• Interest Rate (p.a.)

    7.92% - 18.00%

  • Loan Tenure

    6 months - 7 years

  • Approval Duration

    24/7 Approval

  • Min. monthly income

    RM800

Promo

Enjoy Special Profit Rate as low as 0.66% per month

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Loan calculator
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Monthly salaryRM0
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What's so great about AEON i-Cash Personal Financing?
  • Approved financing amount of up to RM100,000
  • Fixed profit rate as low as 0.66% per month
  • Monthly repayment as low as RM 54 based on loan amount and loan tenure
  • No early settlement fee and handling fee

Product Features

Min. financing amountRM1,000
Max.financing amount RM100,000
Min. loan tenure6 months
Max. loan tenure7 years
Islamic/ConventionalIslamic
Interest rateFlat Profit rate of 7.92% – 18.00% per annum
Approval duration24/7 Approval
Debt consolidationNo

Fees & Charges

One time set up
Processing feeMaximum fee is RM400
Stamp duty0.5% stamp duty fee is applicable
Disbursement & misc. feeN/A
Penalties
Early settlementN/A
Late payment chargesRanging from RM18 to RM40

Eligibility

Age requirementAge 18 - 60
Employment eligibilityMalaysian citizens employed as a Government servant, employee of a private sector organization, or self-employed
Min. salary requirementRM800 gross per month
Guarantor / Collateral requirementN/A

Other Requirements

Product Review byiMoney

AEON i-Cash Personal Financing FAQ

What is the maximum amount you can borrow?

Borrowable amount of up to RM100,000 for a maximum financing tenure of seven years.

Applicant must be between the age 18 to 60 above to qualify.

Applicant must be a Malaysian citizen employed as a Government servant, employee of a private sector organization, or self-employed with a minimum gross salary of RM800 per month.

The catch?

Applicant must be a Malaysian citizen only.

Get your cash disbursement anytime 24/7 upon approval.

Based on Shariah principle.

No early settlement fee and handling fee.

What will it cost you and how will you be charged?

One time set-up fee:
  • 0.5% stamp duty fee is applicable as per Stamp Duty Act 1949 (Revised 1989) to be deducted upfront before financing disbursement.
  • Processing Fee:
  • Maximum processing fee to be paid up to RM400.
  • Recurring payments:
  • Monthly payment comprising principal amount and profit charge. For financing tenure of 1 - 7 years, the profit rate ranging from 7.92% to 18.00%.
  • Late penalty charge:
  • In compliant with AEON Credit Service Shariah ruling.

  • Penalties:
  • Late payment charges ranging from RM18 - RM40. Late payment charges will increase your total outstanding financing amount.
  • How long will the application take and what documentations are required?

    Upon completing an application with iMoney, our representative will contact you within the same business day to confirm your application.

    Thereafter, AEON Credit Service will contact you within the same business day and will request you to furnish required documents.

    Customer will be informed on their application status (Approve/Decline) via SMS by AEON Credit Service. If application is approved, AEON representative will contact customer to sign the Sales and Purchase Agreement at the nearest AEON Credit Service branch.

    Funds will be transferred to customers Saving Account or Current Account.

    The decision of providing financing approval is solely from AEON Credit Service.

    You are required to furnish the following documents for your financing application:

    If you are a salaried employee, please prepare the following:

  • Copy of NRIC (front and back)
  • 3 months salary slip
  • Most current EPF Statement with latest 6 month contribution
  • Latest bank saving account passbook or current/savings account statement
  • If you are self-employed, please prepare the following:

  • Copy of NRIC (front and back)
  • Business Registration Certificate (must be at least 1 years in business)
  • Latest 6 months' Company principle Current Account or Latest updated bank statements
  • Most recent Form BE/E and Tax payment receipt from LHDN
  • Can you apply if you have a bad CCRIS/ CTOS/ Credit Record?

    No, you are required to settle all overdue payments before applying. It is advised that you continue repaying your financing on time for another three months before reapplying.


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