Free Delivery within JB when purchase above RM200
AEON Credit

Objective Financing

Whether you need a new music instruments, sound system & recording studio our Objective Financing Scheme makes payment easy.


You can get your application approved in 60 mins.               Flexible tenure up to 36 months                                         Special interest rate as low as 0.85%




Other Features & Benefits

  • Fast approval
    1. AEON Express card holder: 15 - 30 minutes.
    2. Normal Application: 1-2 working days.
  • Attractive monthly interest charge as low as 0.85% per month.
  • Flexible monthly repayment from 6 months up to 48 months.
  • More than 5,000 merchants nationwide.


Product Scheme

Requirements & Documents

Documents Required

Individual Applicant

  • One photocopy of I/C
  • Photocopy of 3 months proof of income
  • Bank statement or savings passbook


  • Form J and Business registration form (Borang A and D)
  • Photocopied I/C of proprietor/partners/directors
  • 6 months bank statement

Applicant's Requirements


  • Malaysian citizen aged 18 years to 65 years old
  • Applicants should be employed for at least 6 months in current employment
  • Minimum monthly gross salary: RM900.00
  • Office telephone number and HP / home telephone number is compulsory
  • One contactable referee
  • Applicant must be contactable


  • Malaysian citizen aged 18 years to 65 years old
  • Self-employed applicants' current employment must be at least 1 year
  • Minimum monthly net pay: RM1000.00
  • Providing office telephone and HP / home telephone number is compulsory
  • One contactable referee
  • Applicant must be contactable


Payment Methods

  • Deduction by Autodebit (Maybank, BSN, CIMB Bank, Public Bank, RHB, Ambank Group, Ambank, Alliance Bank, Bank Muamalat, Standard Chartered)
  • Over the Counter (Available in all AEON Credit Service Branches)
  • Cash Deposit Machine (AEON Credit Service branches, Maybank, CIMB Bank, Public Bank and Alliance Bank)
  • MEPS Interbank GIRO
  • Internet Banking

Frequently Asked Questions

Q. What is Objective Financing?

A. Objective Financing is designed for consumers to purchase consumer durable products at over 5,000 merchants nationwide and pay via flexible monthly instalments.

Q. What documents do I need to submit in order to apply?

Q. Where can I apply?

A. You can apply at our AEON Credit Merchants. For contact and location details, please click here.

Q. What products does the scheme finance?

A. The scheme finances consumer products ranging from electrical products, furniture, car accessories, gold & jewellery, computers, kitchen cabinets, smart phones, smart devices (tablets), cameras (SLR & DSLR), water filters, musical instruments, etc.

Q. What is the repayment tenure for Objective Financing?

A. AEON Credit Service provides flexible repayment tenure of up to a maximum of 48* months.

Q. How long does it take to process a loan?A.

  • AEON Express Card Memeber: 15 - 30 minutes
  • AEON Ez Apply: 60 minutes
  • Normal Application: 3 working days

Q. Do I need to provide any guarantor?

A. No.

Q. How do I make my monthly payments?

A. Payment can be made via monthly deduction by autodebit, ACS Service Counters, Cash Deposit Machines, MEP Interbank GIRO or Internet Banking

Q. Will my personal information be kept confidential

A. Yes. AEON Credit strictly complies with the Personal Data Protection Act 2010 (PDPA) and ISO 27001:2005 Information Security Management System.

Q. If I make an early settlement on my loan, will I enjoy an interest rebate?

A. Yes. For more information, please contact our customer service centre at 03-2719-9999

Q. Where can I find out more information on interest rates and fees etc?