AEON iCASH Personal Financing

  • Loan amount up to 1k-100k
  • Tenure 6 months -7 Years
  • Age 18-65 Years
  • Min Income 9.6k
  • Gov. Employee, GLC & Private sector
  • A few business days

Borrow RM Monthly Repayment

Interest Rate

How Long
My monthly income
As a

AEON iCASH Personal Financing

This is a simple AEON Personal Financing with express approval and flexible repayments. Pay at low monthly profit rates for up to 7 years!

  • Financing up to RM100k
  • Up to 7 years tenure
  • Islamic Financing


Interest Rates

How much the bank charges you based on your loan amount & loan period


Financing Value             Financing Period     Your Income      Profit Rate

RM1000 – RM4900       6 to 84 months         min. RM9600    14.4% p.a.

RM5000 – RM100000  6 to 84 months         min. RM9600       9.6%p.a.


Fees & Charges

There are always fees but how much are they?


Profit Rate / APR from 9.6% p.a. to 14.4% p.a. , depending on financing amount and period

Late Payment Charge RM18 to RM40, subject to terms and conditions

*inclusive of 6% GST



Are you eligible for this personal financing?

Minimum annual net income - RM9600

Minimum age - 18 years old

Maximum age - 65 years old

Who can Apply - Malaysians


Frequently Asked Questions about AEON iCASH Personal Financing

Things you might want to know


What's the AEON iCASH Personal Financing all about?

Need cash to pay off your children's college fees, expensive medical bills, holiday, or just need money for DIY home improvement? A financing plan like the Shariah compliant AEON iCASH Personal Financing can help you cover your immediate expenses without breaking the bank!


This is a easy to apply personal loan with high financing limit and low monthly profit rates - once you're approved, you can get your cash immediately.


How much money can I get?

AEON iCASH personal financing provides payment terms between 6 and 84 months. You can finance up to RM100,000 depending on your income and bank credit check.


How many years can I take to repay my financing amount?

If you finance below RM2000, you can choose to repay for up to 24 months. If you finance RM2,000 or more, you can take the maximum repayment period of 84 months!


How much do I repay each month?

Your repayment amount depends on your profit rate on approval - you may get a higher or lower rate depending if you're an exisiting AEON credit cardmember or new to the bank.


Financing Amount

AEON Credit Card Members

AEON Express Card Members

Non-Card Members

less than RM4,900     

1.2% per month

1.2% per month

1.5% per month

RM5,000 to RM100,000

0.8% per month

0.84% per month

0.84% per month



But what does that mean for your profit payments to AEON over a whole year? Allow us to explain!


For AEON credit card members, you can get as low as 14.4% p.a. when you finance between RM1,000 and RM4,900 or 9.6% p.a. if you finance from RM5,000 to RM100,000.


For AEON Express card members, you can get as low as 14.4% p.a. when you finance between RM1,000 and RM4,900 or 10.08% p.a. if you finance from RM5,000 to RM100,000.


For non-card members, you'll get as low as 18% p.a. when you finance RM1,000 to RM4,900, or an even lower 10.08% p.a. if you finance between RM5,000 and RM100,000.


How do I get my hands on the money?

You can get your money as you get approved for your AEON iCASH Personal Financing, yes including Sundays!


Typically, fast loan products transfer money to your chosen savings or current account immediately upon approval. Funds can also be withdrawn fromATM or over the counter at most AEON Credit outlets.


If you have the AEON Credit Prepaid MasterCard, you can have your funds transferred to your card for up to RM10,000 and withdraw at your nearest AEON Credit Branch.


How do I pay the money back?

Payments on your loan should be made by the 2nd day of each month. You can pay in person at an AEON Credit outlet, by cheque in the mail, online money transfer, or auto-debit.

Penalty charges apply if you haven’t made your payment by the 10th of each month - that'll be RM18 or a maximum of RM40.


How much does an AEON iCASH Loan cost?

There is a processing fee of 4% for financing amount between RM1,000 and RM10,000.

Planning to finance more than that? Enjoy only 2% processing fee for amount between RM10,100 and RM100,000, capped at RM400. Remember, 6% GSTwill be included!

Can I pay my AEON loan off early?

Of course. You can finish paying your loan as soon as you wish with no charges at all!


What do I need to apply for an AEON iCASH Loan?

No down payment, security deposit or guarantor is required. In order to process an application you must be a Malaysian and provide the following supporting documents:

If you're a Salaried Employee:
Copy of NRIC (front and back)
Latest EPF statement
Salary slip for the last 3 months (1 month for multi national company employees)
Latest monthly bank savings account passbook or current/savings account statement.
and one of the following:
Latest BE form and Tax payment receipt
Latest salary account showing salary credited

If you're Self-Employed:
Copy of NRIC (front and back)
Business Registration Certificate (ROC and ROB)
Last 6 months company's principle current account statements
Latest updated bank saving account passbook or bank statement (for verification purpose)
Latest Form B form and Tax payment receipt