AEON Personal Loan (Islamic Financing)

AEON personal loan is a personal financing scheme in Malaysia. It has a financial product called AEON i-Cash Personal Financing. This financing scheme adheres to Shariah principles, specifically the Bai Al-Inah concept. The financing offers a low-income profit rate of 7.92% per annum, with a maximum financing amount of RM 100,000 with a flexible repayment tenure of up to 7 years. Approvals for this financing are available 24/7, making it a convenient choice for those in urgent need of funds.

AEON personal loan requires no guarantor and collateral, which eases the application process for many individuals. The low interest rates and simple document requirements make it an attractive option for those seeking personal financing. This loan also adheres to Islamic financing principles, making it a suitable choice for Muslim borrowers in Malaysia.

How to apply AEON Personal Loan?

To apply for an AEON personal loan, you can refer to this process:

Eligibility Check

  • Malaysian citizen aged between 18 to 65 years old.
  • Minimum gross income of RM1,500.
  • The minimum loan amount is RM1,000 and the maximum is RM100,000.

Document Preparation

Have the relevant documents ready based on your employment type:

  • Salaried Employee (Fixed Income Earner): NRIC and either the latest salary slip (1 month) or the latest EPF Statement.
  • Salaried Employee (Non Commission based): NRIC and either the latest salary slip (3 months) or the latest EPF Statement.
  • Salaried Employee (Commission based): NRIC and either the latest EPF Statement or the latest Commission Statement (6 months).
  • Self-Employed: NRIC, Company Business Registration Certificate (ROC & ROB), and either the latest Company’s Principle Current Account Statement (6 months), Bank Saving Account Passbook or Bank Statement, or the latest BE/E Form and Tax payment receipt.

Online Application

  • Go to the AEON Credit Service Malaysia Personal Financing Application Page.
  • Choose the language preference and fill in the necessary details.
  • You will need a valid email address and mobile number for verification purposes during the online application process.
  • A verification code will be sent to you for details verification to complete the Personal Financing application process.

Submission and Verification

  • Submit the online application along with the required documents.
  • Upon submission, AEON Credit Service may contact you to verify the details provided.


  • Once the application is approved, you will be notified, and the loan amount will be disbursed as per the terms agreed upon.
  • The approval process is fast, and AEON offers 24/7 approval, ensuring quick access to funds whenever needed.

Loan Disbursement

  • After approval, the loan amount will be disbursed to your bank account as per the terms and conditions of the loan agreement.


  • Repay the loan amount as per the repayment schedule agreed upon during the application process.

It’s advisable to carefully read the terms and conditions, and possibly consult with a financial advisor, before proceeding with the loan application.

How to check AEON personal loan approval status?

To check the approval status of your AEON personal loan, you have a few options:

Online Status Check

  • Visit the Application Status Check page on the AEON Credit Service Malaysia website.
  • Enter your application reference number in the provided field to check the status of your application for Personal Financing, Credit Card, or Product Financing.

Customer Service

  • If you need more information or assistance, you can contact AEON customer service at 03-2719 9999.


  • AEON Credit Service will notify you via an Offer SMS if your AEON i-Cash Personal Financing application is approved when you apply via an AEON Credit Service Branch. You will need to reply to this SMS with ‘Yes’ or ‘No’ to proceed with the commodity transaction.
  • Alternatively, once your application has been reviewed, an AEON Credit personal loan officer may contact you to discuss your loan options. If your loan is approved, you will receive a text or SMS notifying you that you can receive the money.

AEON Credit Online Service

  • Log in to your user’s AEON Credit account on the official AEON Credit portal to check your loan balance, which can indicate the approval and disbursement of your loan.

Make sure to have your application reference number handy, as it’s crucial for checking the status of your loan online.

Where to find AEON personal loan repayment table?

You can find the AEON personal loan repayment table on the official AEON Credit Service Malaysia website under the “Instalment Tables (RM1,000 – RM100,000).” The repayment tables are organized based on profit rates ranging from 0.66% to 1.50% per month. Each link takes you to a different installment table that corresponds to a particular profit rate:

  • Installment Table for 0.66% profit rate
  • Installment Table for 0.75% profit rate
  • Installment Table for 0.80% profit rate
  • Installment Table for 0.84% profit rate
  • Installment Table for 1.20% profit rate
  • Installment Table for 1.50% profit rate

Each table presumably details the monthly repayments for loan amounts ranging from RM1,000 to RM100,000. The actual financed amount may vary from the amounts in the tables provided. For instance, a profit rate of 0.66% per month equals 7.92% per year, with an effective rate of 13.57% – 14.31% a year. Similarly, a profit rate of 1.50% per month equals 18% per year, with an effective rate of 27.46% – 31.72% annually.

Please follow the links provided to view the exact repayment tables on the AEON Credit Service Malaysia website, or use the online calculator for a personalized estimation.

How to check AEON personal loan balance?

To check the balance of your AEON personal loan, you have several options:

AEON Credit Online Service:

  • You can check your loan balance online via the AEON Credit Online Service.
  • Log in to your AEON Credit account on the official AEON Credit portal.
  • Once logged in, your AEON Credit loan balance will be displayed on the main page of the official AEON Credits portal.

Customer Service

  • You can contact AEON Credit Service Malaysia’s customer service at 03-2719 9999 for information regarding your loan balance.

Visit an AEON Credit Branch

  • Visit your nearest AEON Credit branch and request a statement or inquire about your loan balance.

Monthly Statements

  • If AEON Credit Service Malaysia provides monthly statements, you can check your most recent statement for your current loan balance. These statements might be sent to you via mail or email.

Always ensure that you have your account details handy for verification purposes when contacting customer service or visiting a branch.


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