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 Bai Al-Inah
A Syariah principle involving the sale and buy-back transaction of assets by a seller. A seller sells an asset to a buyer on a cash basis and later buys it back on a deferred payment basis where the price is higher than the cash price.
Requirements

Eligibility
- Malaysian citizen only.
- 18 years old until 65 years old
- Minimum gross income of RM1,500 is required effective 1st February 2019
- Minimum loan is RM1,000 with maximum RM100,000

Documents Needed
Salaried Employee
Self-employed
- Original Identity Card (Front & Back)
- Latest EPF statement (Advise to print at ACS counter or i-Akaun).
- Fixed income with minimum 3 months contribution.
- Variable income commission based with minimum 6 months contribution.
- Latest 3 months' salary slips / 6 months' salary slips (For non-permanent or commission-based staff) and
- Latest 3 months' / 6 months' (For non-permanent or commission-based staff) bank account statements to confirm income credited into account
- Bank saving account passbook or bank statement (For Auto Debit purposes)
- Latest Form BE and Tax payment receipt (optional)
Self-employed
- Original Identity Card (Front & Back)
- Company Business Registration Certificate (ROC & ROB) and
- Latest 6 months Company's principle current account statement either, or
- Latest updated bank saving account passbook or bank statement (For Auto Debit purposes) either, or
- Latest Form BE/E form & Tax payment receipt
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
*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.
• 4% of the financing amount ≤RM10,000
• 2% of the financing amount >RM10,000
• Maximum 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.
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 Bai Al Inah concept (sell-buy back with installment payment) / Konsep Shariah adalah berasaskan konsep Bai Al Inah (jual-beli semula dengan bayaran ansuran).
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. 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?
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
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
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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