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FINANCING SOLUTIONS

Installment Info Hub

Streamline your purchase journey. Check your eligibility, compare transparent plans from trusted partners, and prepare your documents before you visit.

Check Eligibility Compare Plans
Financing Illustration
Partner Overview
Aeon Credit Service
Chailease
JCL Credit
Pre-Qualification

Eligibility Checker

Select your profile to see the specific list of required documents.

Employee Requirements

NRIC (MyKad)
Clear Front and Back copy
Payslip (Latest 1 Month)
Or 3 months if income varies (OT/Commission)
Bank Statement (1 Month)
Must show salary credit matching payslip
Employee Check

Student Requirements

NRIC (MyKad)
Must be 18 years and above (Malaysian Only)
Student ID Card
Valid and active status
Guarantor Details
Parent/Guardian IC & Phone (Optional for some partners)
Student Check

Business Owner Requirements

NRIC (MyKad)
Director / Owner
SSM Certificate
Full set (Business Profile & Cert)
Bank Statement (6 Months)
Company account statements showing cash flow
Business Check
Compare & Choose

Installment Plan Comparison

Evaluate interest rates, tenure, and requirements side-by-side.

Partner Interest Rate (p.a.) Tenure Range Processing Time Deposit Documents
Aeon Credit Service
1.25% 36 Months 2-5 Working Days Low Deposit Full Documents
JCL Credit
10.0% - 12.0% 12 - 24 Months 1-3 Working Days Low / Zero Deposit Minimal
Aeon Credit Service
Interest Rate
1.25%
Tenure
36 Months
Process Time
2-5 Working Days
Deposit
Low Deposit
Documents
Full Documents
JCL Credit
Interest Rate
10.0% - 12.0%
Tenure
12 - 24 Months
Process Time
1-3 Working Days
Deposit
Low / Zero Deposit
Documents
Minimal

Frequently Asked Questions

Common questions about the application process.

Yes! We work with specialized partners (such as JCL and Chailease) who have flexible approval criteria. Unlike standard banks that may reject applications based solely on CCRIS/CTOS scores, our partners evaluate based on your current affordability and income stability. We encourage you to apply so we can match you with the right provider.

The timeline depends on the chosen partner:
  • Instant / Same Day: Grab PayLater, SPayLater, Atomy.
  • 24 - 48 Hours: Chailease, TCS13.
  • 3 - 5 Working Days: Aeon Credit, JCL (depending on document completeness).

It varies. Some plans offer Zero Deposit for qualified applicants (e.g., Government servants or high credit score holders). Generally, a deposit equivalent to 1 month's installment or a small processing fee might be required upon collection of the device. This will be clearly communicated once your application is approved.

Ready to Upgrade?

Now that you're prepared, browse our catalogue and find the perfect device with a plan that fits your budget.

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