AEON i-Cash Personal Financing

Pay Profit Rate Max. Financing Amount Total payment
RM 899 / mth 7.92% p.a. RM 100,000 RM 10,792
2.8
2.8 out of 5 stars (based on 12 reviews)
Excellent25%
Very good8%
Average17%
Poor17%
Terrible33%

No Title

December 21, 2024

minta hutang laju sampai block nama customer tak bole apply loan.bila dah settle payment tak reti clear nama orang.service sangat teruk first and last la guna khidm …

Avatar for Lavana
Lavana

No Title

December 21, 2024

Very Fast!!! 100% Recommended AEON Personal Loan!!! BTW Thanks for approval my loan within 3 hours and the staff name of Nurul Izzatie its very supportive and good soul teach and give me understanding the procured of aeon thanks miss nurul izzatie for wonderful service

Avatar for shah mizah
shah mizah

No Title

December 21, 2024

AEON Loan?? Here my personal Reviews : Waited 3 days for money to be received just to know that they disburse it to wrong account. Now have to wait another week. Clown

UPDATE : DAY 3 AFTER I WENT TO THE BRANCH TO FIX THEIR PROBLEM, EMAILED SENT, CALLED ALMOST 5 TIMES A DAY, MONEY STILL NOT REFLECTED INTO ACCOUNT

Conclusion : You make your own choice!!!

Avatar for Sutra
Sutra

No Title

December 15, 2024

I Ada kawan pinjam RM18k, bayaran RM387 sebulan selama 7 tahun. Total RM32,508 bayaran ~ RM14.5k dia telan interest

Avatar for Safwan
Safwan

No Title

December 15, 2024

Jika tiada bank yang luluskan boleh jer(intrest jer la tinggi tapi sama jugak sperti rhb boleh bawak ke 13% per year) untuk cipta rekod ccris selama setahun dan nanti apply untuk bank lain as long payment jangan sangkut. mana2 institusi perbankan pun sama, jaga payment jangan lewat insyALLAH tenteram jiwa.

Avatar for Hamidi
Hamidi

No Title

December 15, 2024

Aeon ok, interest tinggi tu je..ada ctos/criss xboleh… tp sy ada ctos jadinya hari sama kena reject hahaha..rsnya mcm bank jugak kot 3-5 hari utk dptkan kelulusan

Avatar for AZahraria
AZahraria

No Title

December 15, 2024

Aeon mmg senang bunga bkn main tinggi bile ade problem sikit habis jiran sebelah pon dia wasup tuntut hutang mcm lahanat

Avatar for Nursinar
Nursinar

No Title

December 15, 2024

I recently had the pleasure of conducting apply with Ms. Ina Aeon Credit at the Taman Maluri center, and I can confidently say that her customer service was nothing short of excellent. From the moment I walked in, she greeted me with a warm smile and made me feel welcomed.

Ms. Ina was extremely knowledgeable and went above and beyond to address all of my concerns and questions. She was patient, attentive, and took the time to explain everything in detail, ensuring that I had a complete understanding of the credit process.

Not only was Ms. Ina professional and efficient, but her friendly demeanor made the entire experience enjoyable. It is evident that she is truly passionate about helping customers and providing top-notch service.

Overall, my experience with Ms. Ina Aeon at the Taman Maluri credit center was absolutely outstanding. I highly recommend her to anyone in need of credit assistance. Her dedication to customer satisfaction and expertise in her field truly sets her apart. Thank you, Ms. Ina, for your exceptional service!

Avatar for Ragunathan.T
Ragunathan.T

No Title

December 4, 2024

I was young, stupid and broke, it was a hard lesson for me to take this stupid Aeon credit…

Avatar for Zaazuu
Zaazuu

No Title

December 4, 2024

better use credit card 0%… SCB Hong Leong etc… I bought iPhone for my wife… 18 or 24 months I forgot… 0% why not?

Avatar for ramdieslow
ramdieslow

AEON i-CASH Personal Financing Overview

Profit Rates
The profit rates on your loan will vary depending on the financing amount and the repayment period. The rates start from:

Financing Amount Financing Term Minimum Monthly Income Profit Rate
RM1,000 – RM100,000 6 to 84 months RM18,000 7.92% p.a. – 18% p.a.

Fees & Charges

  • Profit Rate / APR: Starting at 7.92% p.a., depending on the loan amount and duration.
  • Processing Fee: Ranges from 2% to 4% of the loan amount, with a cap of RM400.
  • Stamp Duty: As per the Stamp Act 1949 (Revised 1989).
  • Early Termination Fee: No charges for early repayment.
  • Late Payment Fee: 1% of the outstanding balance.

Eligibility Requirements

  • Minimum Annual Income: RM18,000.
  • Age Range: 18 to 65 years old.
  • Eligible Applicants: Malaysian citizens, including salaried employees, self-employed individuals, and government workers.

AEON i-CASH Personal Financing – Your Solution for Financial Flexibility

Need extra funds for children’s education, medical bills, a dream holiday, or home improvements? AEON i-CASH Personal Financing offers an ideal solution with flexible, low-cost financing options to bridge any financial gap.

About AEON i-CASH Personal Financing
This unsecured Islamic financing offers a high financing limit and competitive profit rates. With Shariah compliance, AEON i-CASH requires no security deposit or guarantor. You can apply for loans between RM1,000 to RM100,000 with flexible repayment options ranging from 6 to 84 months.


Who Can Apply?

AEON i-CASH Personal Financing is available to Malaysian citizens who meet the following criteria:

  • Minimum monthly income of RM1,500.
  • Salaried employees, self-employed individuals, and government employees are eligible.

How Fast Can I Get My Money?

  • Instant Access: If you choose to disburse the funds to your AEON Member Plus Visa Card, you can access the financing immediately.
  • Bank Account Transfer: Alternatively, you can transfer the approved amount to your Current/Savings Account, which will take approximately 1 to 3 days.

The entire application process is digital, making it quick and convenient. Once your application is approved, you’ll need to e-sign the Sales & Purchase Agreement or visit a nearby AEON Credit branch before withdrawing the funds.


How to Repay Your Loan?

Repayments are made based on the terms outlined in your agreement. You can pay through various channels, including internet banking, bank kiosks, AEON Wallet, or cheque payment at AEON Credit Service Centers.

Important: A late penalty fee of 1% per annum applies on overdue payments, calculated from the due date until full repayment or the judgment date (whichever comes first).


Costs of AEON i-CASH Personal Financing

  • Processing Fee:
    • 4% for loans below RM10,000.
    • 2% for loans between RM10,001 and RM100,000 (capped at RM400).
  • Wakalah Fee: RM10.80 (inclusive of 8% SST).

Can I Pay Off My Loan Early?

Yes, you can settle your loan early without any penalties. There are no extra charges for early repayment.


Required Documents for Application

To apply for AEON i-CASH Personal Financing, you must be a Malaysian citizen aged 18 and above with a minimum income of RM1,500 per month. Here are the documents you’ll need to provide:

  • Salaried Employees:
    • Copy of your IC (front and back).
    • Latest 1-month payslip or EPF statement.
  • Self-Employed Applicants:
    • Copy of your IC (front and back).
    • Business Registration Certificate (ROC and ROB).
    • Additional supporting documents (e.g., company bank statements, updated BE/E Form, or tax payment receipt).