*4% processing fee for financing amount between RM1,000 to RM10,000 and 2% processing fee for financing amount between RM10,100 to RM100,000 (Maximum processing fee is capped at RM400).

*All applicable taxes shall be payable by the customer (if any). For further detail please log on to www.aeoncredit.com.my.

*Effective 1st October 2018, AEON Credit Service (M) Berhad will revise the Personal Financing Profit Rate for financing amount of RM1,000 to RM100,000 from 0.66% - 1.50% per month.

*Actual financed amount may vary from the above tables.

*Profit rate (Flat rate): 0.66% per month = 7.92% per year, (Effective rate): 13.57% - 14.31% a year

*Profit rate (Flat rate): 1.50% per month = 18% per year, (Effective rate): 27.46% - 31.72% a year

A. AEON i-Cash Personal Financing is an unsecured Islamic Financing that does not require any collateral.

A. The applicable Shariah concept is Bai Al Inah concept (sell-buy back with installment payment) / Konsep Shariah adalah berasaskan konsep Bai Al Inah (jual-beli semula dengan bayaran ansuran).

A. Minimum facility amount is RM 1,000.00 and the maximum facility amount is RM 100,000.00. Facility amount approved is subject to AEON Credit’s assessment.

A.

• Front & back copy of NRIC
• Latest EPF statement (advise to print at ACS counter or Kiosk), or
• Latest 3 months' Salary slips / 6 months' Salary slips (for non-permanent staff or commission-based) and
• Latest 3 months' / 6 months' (for non-permanent staff or commission-based) bank account statements to confirm income credited into account
• Bank saving account passbook or bank statement (for verification purposes)
• Latest Form BE and Tax payment receipt (optional)

If Self-employed

• Front & back copy of NRIC
• Company Business Registration Certificate (ROC & ROB) / Form 9/24/49 or Form D, and
• Latest 6 months Company's principle current account statement, either or
• Latest update bank saving account passbook or bank statement, either or
• Latest Form B/E and Tax payment receipt

A. There is no security deposit required.

A. The approval for the facility is within 1 to 3 days. However, it is subject to full documentation and information received by AEON Credit Service. Terms and Conditions apply.

Check out our How to Pay section for more details.

A. Customers are required to sign the Sales & Purchase Agreement at the respective AEON Credit’s counter and funds will be transferred to either Savings or Current account of the Bank selected by the customer. Alternatively customer can opt for the funds to be disbursed via the AEON Credit Prepaid MasterCard for up to RM10, 000 and withdraw at any nearest AEON Credit’s Branches using the Automated Teller Machine (ATM) facility.

A. The payment is due on every 2nd of the month.

Payment made after the 2nd but before the 10th: RM18.00
Payment made after the 10th but before the 18th: RM23.00
Payment made after the 18th but before the end of the month: RM40.00
Additional charge for each subsequent month if the account falls under delinquent from the previous month: RM23.00

A. You can contact us via the form on the side of this page or our Customer Service Hotline at 03-2719-9999

A. You can either call our customer service hotline, log in with your username and password or checking out the SMS Enquiries page for more information.

A. Compensation (late payment) will be imposed and the outstanding payment amount will accrue in the event you default in your repayment. If you are facing difficulties in meeting your loan obligations, please contact us in advance to discuss repayment alternatives.