History of Aeon
AEON Credit Service (M) Berhad (AEON Credit or the Company) was incorporated on 6 December 1996 and was converted into a public limited company on 9 February 2007 and listed on the Main Market of Bursa Malaysia Securities Berhad on 12 December 2007. AEON Credit commenced operations in 1997 by providing Easy Payment schemes for purchase of consumer durables through appointed retail merchants and chain stores.
ÆON’S hold to its basic principles:
- Peace: ÆON is a corporate group whose operations are dedicated to the pursuit of peace through prosperity.
- People: ÆON is a corporate group that respects human dignity and values personal relationships
- Community: ÆON is a corporate group rooted in local community life and dedicated to making a continuing contribution to the community
AEON Personal Financing
AEON offers fast approval Personal Financing products for its Credit Card Holder and non-members as well. AEON offers 1 hour approval,lowest 0.8% profit rate, 60 months flexible repayment and monthly installments as low as RM 123.00. Loan amount is a minimum loan of RM 1,000 and a maximum of RM50, 000. You must apply for a loan with a financing duration of minimum 6 months and maximum of 5 years. You can select repayment tenure of 6, 9, 12, 15, 18, 24, 30, 36, 48 and 60 months depending on your financial capacity. This loan requires no collateral or guarantor.
Repayment
To ease you repayment method, AEON will link to repayment to your monthly salary. This method will assure that there will be no late loan repayment which helps you avoid any late payment charges. Other options such as, salary transfer to Hong Leong Bank with Auto-debit Instruction is provided. The loan also includes a Takaful Coverage to insure you and the loan repayment.
Charges
You also must standby for other basic chargers such as Stamp Duty which will be deducted upon approval. For those who apply for loan below RM4, 999 there will be a processing fee of 6% is applicable once the loan is approved. All the services charge and processing fees are also subjected to 6% GST.
Requirements
In order to apply for personal financial here are some basic criteria to fulfill:
- Loan is applicable for Malaysian citizens only
- Minimum income of RM 1,000 is required
Documentations
- Malaysian Identity Card
- Most recent salary slip
Benefits
The benefit of applying with AEON is you will enjoy a profit rate with:
- AEON Credit Card Holder : 0.8% – 1.2% per month
- AEON Express Card : 0.84% – 1.2%
- Non Card : 0.84% – 1.5%
- This loan application is also available on Sunday
To apply for AEON Personal Loan you can directly visit nearest AEON Credit branch with the documents shared for quicker approval. The approval for loans is fast the AEON does not require you to have a guarantor, collateral or security deposit.
AEON Personal Loan repayment table is available below.