Personal Financing
School fees? Starting a business? Medical costs? With up to RM100,000 financing available, you can provide for the people that matter most.

Monthly repayments as low as RM55.

Loan up to RM100,000.

Enjoy repayment tenure up to 7 years.
Features & Benefits

Fast Approval
You can even get your cash on a Sunday.

High Financing Amount
Finance up to RM100,000

Attractive Rates
As low as 0.66% p.m*

Repayment Tenure up to 84 months
You can select repayment tenure of 6, 9, 12, 15, 18, 24, 30, 36, 48, 60, 72 and 84 months

Simple Documents
Very easy to apply. You just need to have relevant documents ready.

Hassle Free
No guarantor, no collateral & no security deposit.

Based on Shariah Concept of Tawarruq
A Syariah principle involving Cost-Plus Deferred Sale of Commodities. Upon approval of the Facility, AEON Credit will act as the Customer’s sole and exclusive agent in buying and selling the Commodity through the Commodity Murabahah transactions based on the Shariah principle of Tawarruq.
Requirements

Eligibility
- Malaysian citizen only.
- 18 years old until 65 years old
- Minimum gross income of RM1,500 is required
- Minimum loan is RM1,000 with maximum RM100,000

Documents Needed
- The documents required for processing as listed below:


Valid Email Address and Mobile Number
- Personal Financing (PF) applicant is required to have a valid email address and mobile phone number for verification purposes.
- A Verification Code will be sent to applicant for the sole purpose of details verification in order to complete the Personal Financing application process.
- If Personal Financing application is made via the Telemarketing channel, AEON Credit Telemarketing Officer will contact the applicant to confirm on the Verification Code.
Fees & Charges
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Processing Fee
4% of the financing amount ≤RM10,000 2% of the financing amount >RM10,000 Maximum fee is capped at RM400
Stamp Duty
As per the Stamp Act 1949 (Revised 1989)
Wakalah Fee
RM10.60 (Inclusive of 6% SST)
*All applicable taxes shall be payable by the customer (if any). For further detail please log on to www.aeoncredit.com.my.
Stamp Duty
Wakalah Fee
*All applicable taxes shall be payable by the customer (if any). For further detail please log on to www.aeoncredit.com.my.
Instalment Tables (RM1,000 – RM100,000)

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Notes:
*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
*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
Frequently Asked Questions (FAQ)
Q. What is AEON i-Cash Personal Financing?
A. AEON i-Cash Personal Financing is an unsecured Islamic Financing that does not require any collateral.
Q. What is the applicable Shariah concept? / Apakah konsep Syariah yang digunakan?
A. The applicable Shariah concept is Tawarruq concept (Cost-Plus Deferred Sale of Commodities).
Q. What is the minimum and maximum facility amount that customer can apply?
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.
Q. What documents are required to apply for AEON i-Cash?
A.
If Self-employed
- 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
Q. Does email and mobile phone number is required for the application?
A. AEON i-Cash application is required to have valid email address and mobile phone number for verification purposes. A Verification Code will be sent to applicant for the sole purpose of details verification in order to complete the application process.
Q. For AEON i-Cash application under Telemarketing, how does the verification process?
A. AEON Credit Telemarketing Officer will contact the applicant to confirm on the Verification Code in order to complete the application process.
Q. Is there any security deposit required for the facility amount approved?
A. There is no security deposit required.
Q. How long is the approval process?
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.
Q. How do I pay for my AEON i-Cash Personal Financing?
Check out our How to Pay section for more details.
Q. How do I obtain the funds once the facility has been approved?
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.
Q. When is the payment due?
A. The payment is due on every 2nd of the month.
Q. What are the late payment charges?
- If the Customer fail to make any monthly installments or pay any other amount payable when due or the outstanding Deferred Sale Price in full when demanded, the Customer shall pay the Late Payment Charge (“LPC”) to AEON Credit based on the Shariah principle of Ta’widh (compensation) calculated at the LPC rate of one per cent (1 %) per annum on the outstanding payments, from the overdue date until date of full payment during the Tenure or until judgment date (whichever is earlier).
- The LPC shall be calculated based on the LPC rate as follows:- LPC = outstanding monthly installments (or outstanding Deferred Sale Price) x LPC rate /365 days x numbers of days outstanding.
- The LPC will not be compounded. The right to the LPC shall not prejudice any of AEON Credit’s other rights available under the terms of the Facility.
Q. What if I need personal assistance?
A. You can contact us via the form on the side of this page or our Customer Service Hotline at 03-2719-9999
Q. How to I check my outstanding balance?
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.
Q. What are the major risks if I default in my payment?
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.
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