AEON i-Cash Personal Financing

  • Profit Rate
    7.92% p.a. ~ 7.92% p.a.
  • Max. Financing Amount
    RM 100,000
  • Approval Duration
    24/7 Approval

Calculate your financing repayment instantly

RM
year(s)
RM
You Pay
RM 89 /mth
Profit Rate
Total Profit Payable
RM 70
Total Repayment
RM 1,070

More details

  • icon Features Features

    Approval Duration
    24/7 Approval
    Min. Financing Amount
    RM 1,000
    Max. Financing Amount
    RM 100,000

  • icon Eligibility/Documents Eligibility/Documents

    Employment Eligibility
    Salaried, self employed, salary by cash
    Age Requirement
    18-60 years old
    Min. Monthly Salary
    RM 1,500

    Other eligibility requirements

    Guarantor Collateral Requirement
    N/A
    NRIC
    Front & back
    Salary slip
    1 months (permanent staff) or 6 months (non-permanent staff)
    EPF statement

  • icon Fees and charges Fees and charges

    Processing Fees
    Maximum fee is RM400
    Stamp Duty
    0.5% stamp duty fee is applicable

    Other Fees and charges

    Early Settlement
    N/A
    Late Payment Charges
    Ranging from RM18 to RM40
    Other Fee
    Wakalah Fees RM10.60 (Inclusive of 6% SST)
Last updated: Aug 25, 2021

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How do you apply for a personal financing online?

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Step 1

Use our personal financing calculator to find the best personal financing based on your requirements and eligibility.

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Step 2

Select the best product that fits your requirements from the list of recommended personal financing products listed and click on the Apply button.

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Step 3

Fill in a form with your details to be submitted for application, and a representative from iMoney or the bank will call you to process the application.

Review by iMoney

AEON i-Cash Personal Financing is an unsecured Shariah-compliant personal financing that offers a financing amount from RM1,000 to RM100,000. It also has a relatively low instalment, decent financing, and fast approval process.

Best for: Personal use including your kid’s education fund, debt consolidation.

Income requirements: Minimum RM1,500/month.

Pros:

  • Lower income requirement (RM1,500)
  • Low instalment (as low as RM55)
  • Low minimum loan amount (RM1,000)
  • Fast approval (1 – 3 days)
  • Wide age range eligibility (18 – 65 years old)

AEON i-Cash Personal Financing FAQ

An unsecured Shariah-compliant personal financing offered by Aeon Credit Service.

  • All you need to do is click on the orange “Apply” button on the top right of your screen. Then fill in your contact details and we will get in touch to get started with your loan application.

  • You can borrow between RM1,000 to RM100,000.

  • 7 years.

  • Income: Minimum gross income of RM1,500. Gross salary means salary before monthly deductions such as income tax and Employees Provident Fund (EPF) contribution. Only fixed income earners are eligible.

    • Malaysian citizen
    • Age: 18 – 65 years old
    • Minimum gross income of RM1,500
    • Minimum loan requirement is RM1,000 with maximum of RM100,000

  • Once you have completed your application with iMoney, you are required to provide the following documents for your application:

    • 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 you are 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

  • AEON Credit Service can approve an application between 1 – 3 days, provided that full documentation and information are submitted.

    To speed up the process, you can apply through iMoney where our Call Centre Consultants will walk you through the eligibility checker, application form, and advise you on the required document submission.

    After we submit your documents and information, AEON Credit Service can approve and disburse to you within 3 days.

  • It normally takes between one (1) to three (3) days for your application to be approved. However, it may be delayed if you have not submitted all the required documents for approval.

  • One-time set-up fee: A stamp duty fee of 0.5% of financing amount

    Processing fee:

    • 4% of financing amount (for financing of RM10,000 and below)
    • 2% of financing amount (for financing above RM10,000)

    * Fee is capped at RM400

    Wakalah fee: RM10.60 (includes 6% SST)

    Late payment charge: 1% per year on the outstanding payment

    For example, the fee is calculated as follow:
    Late payment charge = Outstanding monthly instalment X 1% X number of days outstanding

    * The charges will not be compounded

    Note: There are no upfront charges or additional fees when you apply through iMoney. We will also not request any deposit payment from you.

  • Ranges from 0.66% to 1.50% depending on your financing amount, tenure, as well as your individual risk rating. Some factors that the lender will consult when assessing your individual risk rating include:

    • Credit health
    • Debt-service-ratio

    Check your iMoney CreditScore for free to find out how your credit health is.

  • The AEON i-Cash Personal Financing offers a profit rate of 7.92% p.a.

  • Monthly repayment for this personal financing can be as low as RM55. However, your instalment depends on your financing amount and tenure.

    Use our personal loan calculator above to estimate your monthly repayment.

  • Here you can view and download the AEON table of repayment calculations.

    • Internet banking services (e.g. Maybank2U, CIMB, Public Bank, BSN, AmBank)
    • ATM Transfer
    • AEON Service Centre (Cheque payment or cash deposit machine)
    • Bank Simpanan Nasional counters (Fee: RM1)
    • Interbank Giro (participating banks under MEPS)

  • There are several ways of paying:

    1. AEON service centres
    2. BSN counters
    3. Cash deposit machines (CDM) for Maybank, Public Bank, CIMB, Alliance Bank, BSN
    4. Cheque deposit terminals (CDT) for Public Bank and BSN
    5. ATM transfer for CIMB, BSN, Public Bank, AmBank, Alliance Bank, Maybank
    6. Online bank transfer

  • You can check on the details of your AEON i-Cash Personal Financing by sending an SMS to 63633. You can send the following messages

    AEON STS <Last 4-digit NRIC> – Application Status

    AEON BAKI <Last 4-digit NRIC> – Outstanding Balance

    AEON BAYAR <Last 4-digit NRIC> – Payment Amount

    AEON AKHIR <Last 4-digit NRIC> – Final Payment Date

  • Unfortunately, no. AEON Credit Service will check your credit history as part of their approval process. You are advised to settle all overdue payments before applying and keep a healthy credit record before you apply for any personal financing or loan. We also highly recommend that you continue repaying your loans on time for another three months before reapplying.

    Check your iMoney CreditScore for free to find out how your credit health is.

  • CIMB Bank Cash Plus Personal Loan

    This loan has a low minimum income requirement of only RM2,000. It also comes with a fixed interest rate that starts from 8.20% p.a. and a maximum loan tenure of 5 years.