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AEON iCASH Personal Financing: Express Approval for Fast Cash

By Samantha Lim Last updated April 17, 2024
AEON iCASH Personal Financing

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Loan up to RM100,000, pay it back in 7 Years!

There’s a number of aeon credit personal loans offered by AEON, whether it’s insurance or takaful, AEON has got you covered. But the one we will be talking about today is specifically the AEON iCASH Personal Financing.

Whether it’s to pay for any bills or to come up with any extra money for any means, with this aeon loan; loan up to RM100,000 and to pay it back at your own pace of up to 7 years with AEON iCash!

Table of Profit Rates (RM1,000 – RM100,000)

Profit rate 0.66%

Table 1: Profit Rate 0.66% per month

Profit rate 0.75%

Table 2: Profit Rate 0.75% per month

Profit rate 0.80%

Table 3: Profit Rate 0.80% per month

Profit rate 0.84%

Table 4: Profit Rate 0.84% per month

Profit rate 1.20%

Table 5: Profit Rate 1.20% per month

Profit rate 1.50%

Table 6: Profit Rate 1.50% per month

Please note that the actual financed amount may differ from the tables provided.

*For the profit rate, the flat rate is 0.66% per month, which is equivalent to 7.92% per year. The effective rate ranges from 13.57% to 14.31% per year.

*Alternatively, for a profit rate of 1.50% per month, the flat rate translates to 18% per year. The effective rate falls between 27.46% and 31.72% per year.

Source from: www.aeoncredit.com.my


Features and benefits of AEON iCASH Personal Financing

Benefits & Features:

So you might just be asking yourself the question; “What will I be getting out of this loan?” or even thinking this loan is too good to be true, look no further than the list below of benefits and what you will exactly be getting from this aeon loan.

  • With this personal loan aeon, you can even get your cash on Sundays
  • Loans up to RM100,000
  • You can select repayment tenure of 6, 9, 12, 15, 18, 24, 30, 36, 48, 60, 72 and 84 months
  • Very easy to apply, so long as you have the appropriate documents readied on hand
  • Hassle free with no guarantor, no collateral, and no security deposit needed. 


  • First and Foremost, this aeon credit personal loan is only for Malaysian citizens 
  • The starting applicable age is at 18 years old, up to 65 years old can apply. 
  • Minimum gross income of RM1,500 required
  • Minimum loan is RM1,000 up to RM100,000

Documents Required:

1) Salaried Employee

Source of Income Required Documents
Salaried Employee
Fixed Income Earner – NRIC Copy (Back and Front)
– Latest Salary Slip (1 month) OR
– Latest EPF Statement
Variable Income Earner

Non Commissioned Based

– NRIC Copy (Back and Front)
– Latest Salary Slip (3 month) OR
– Latest EPF Statement
Commissioned Based
– NRIC Copy (Back and Front)
– Latest EPF Statement OR
– Latest Commission Statement  (6 Months)

2) Self-Employed

Source of Income Required Documents
Self-Employed – NRIC Copy (Back and Front)
– Company Business Registration Certificate (ROC or ROB) & any of the supporting documents:
– Latest Company Principle Current Account Statement (6 Months) OR
– Latest Updated Bank Saving Account Passbook / Bank Statement OR
– Latest Updated BE/E Form & Tax Payment Receipt

Fees and Charges:

For this aeon loan there are three types of fees that need to be paid: 

Processing Fee

  • 4% of the financing amount ≤ RM10,000
  • 2% of the financing amount > RM10,000
  • Maximum fee is capped at RM400

Stamp Duty

  • 0.5% of the total amount

Wakalah Fee

  • RM10.60 (Inclusive of 6% SST)

Early Termination Fee

  • None

Late Penalty Fee

  • Subject to restrictions and limitations, prices range from RM18 to RM40.

*The client is responsible for any relevant taxes (if any). Please visit www.aeoncredit.com.my for further information.

*Tips: To learn and know more about what other Best Personal Loans in Malaysia with Low Interest Rates, click here to read at BizTech Community now! 


Frequently Asked Questions

Who can apply for AEON iCASH Personal Financing?

If you are a working Malaysian citizen from ages 18 up to 65, with a minimum earning wage of RM1,500, then you are a valid applicant to this personal loan aeon.  Just provide a valid IC, Email Address and Phone Number, then you can apply for this aeon loan.

How fast can I get my money?

With the fast approval services of this aeon loan, you can get your money at any day, even on a Sunday!

How do I pay my installments?

There are five different options for you to choose from for when you wish to pay for your installments once you’ve registered your personal loan aeon

  1. Internet Banking 
  2. Interbank GIRO
  3. Banking Kiosk (ATM)
  4. Banking Counter 
  5. AEON Credit Service Counter.

Click on through to the link below for further specific guides for your preferred method: 


What is the cost of obtaining AEON iCASH Personal Financing?

The cost, or in this case, the monthly installment all depends on which Profit Rates you are capable of paying; With rates starting as low as 0.66% to as high as 1.5% per month.

What if I miss my payments or I am late for payments?

If you ever miss your payments or are even late for any of your payments for your aeon loan, unfortunately you will have to pay a fee called the late payment charge. 

Can I pay my AEON iCASH Personal Financing off early?

Yes you can, in fact there are no consequences in paying off your aeon loan early. 

No lock period will be imposed, and if you settle your payments earlier than what’s expected of you to do, you are entitled to a rebate on the Deferred Sale Price. 

The rebate shall be calculated in accordance with the following formula:

Rebate =RP x (RP+1)
                  OP x (OP+1)

RP = Remaining Period (In terms of number of months)

OP = Original Period (In terms of number of months set according to the agreement)

What is the applicable Shariah concept?

So for this aeon credit personal loan product, the Shariah concept is based on the principle of Tawarruq, otherwise known as the cost-plus deferred sales of commodities.

Samantha Lim

Samantha Lim, a finance writer from Malaysia, combines her Finance degree and industry experience to offer expert insights on personal...

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