AEON iCash for AEON Express Card Members

A fast application Personal Loan with quick approval for AEON Express Card Holders.

    • Financing up to RM50k
    • Up to 5 years tenure
    • Unsecured Islamic Financing
  • Borrow: RM 
    How Long: years
    My monthly income: RM  

    Monthly repayment: RM-

    Profit rate p.a.: -%

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Profit rates

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

Financing ValueFinancing PeriodYour IncomeProfit Rate
RM1000 - RM49996 to 60 monthsmin. RM1200014.4% p.a.
RM5000 - RM500006 to 60 monthsmin. RM1200010.08% p.a.

Fees & Charges

There are always fees but how much are they?

Profit Rate / APR
from 10.08% p.a. to 14.4% p.a. , depending on financing amount and period
Processing Fee
6.00% of the whole amount
Stamp Duty
0.5% of the whole amount
Late Payment Charge
4% from current outstanding amount


Are you eligible for this personal financing?

Minimum annual income
Minimum age
18 years old
Who can Apply
  • Any nationality
  • Express Card Member

Frequently Asked Questions about AEON iCash for AEON Express Card Members

Things you might want to know

How to apply for an AEON iCash loan

How much money can I borrow?

AEON iCash is an unsecured personal loan offering payment terms between 6 and 60 months. Subject to approval you can borrow up to RM50,000. AEON’s credit limit is calculated on your income, the maximum borrowing amount is 5 x monthly gross salary (after deductions).

How much does an AEON iCash Loan cost?

AEON iCash has no processing fee for loans of RM5,000 and above. Smaller loans are charged a one-off fee of 6% of the borrowed amount.

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

No down payment, security or guarantor is required but you must provide supporting documents with your application:

Salaried Employee

  • Copy of NRIC (front and back)
  • 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 EPF statement
  • Latest BE/E form or Tax payment receipt
  • Latest salary account showing salary credited


  • 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 BE/E form and Tax payment receipt

How do I get my hands on the money?

In most cases AEON iCash loans are approved within one hour of application. This is a quick loan so money may be transferred to your chosen bank account immediately. Funds can also be withdrawn from ATM or over the counter at some AEON Credit outlets.

How do I pay the money back?

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

Penalty charges will apply if you haven’t made your payment by the 10th of each month, it is RM18.

Does AEON iCash comply with Syariah banking standards?

The Bai Al Inah principle defines AEON iCash loans. This loan has been certified by a Syariah Advisor.

Can I pay my AEON loan off early?

You can finish paying your loan whenever you like but you will be charged an Early Termination fee of 0.25% of the total amount you borrowed if you decide to pay everything off early.

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