Personal Financing-i

(for Government Employee)

Shariah-Compliant Financing for Government Employees with Fast Approval and e-Signature

General Benefits

Enjoy convenient financing with Personal Financing-i, supporting Government Employees every step of the way.

Affordable Profit Rate

Rate as low as 0.5% per month.

Fast Disbursement

Fast approval and quick fund access.

Hassle-Free Payment

Salary deduction with Biro Perkhidmatan Angkasa (BPA).

Features & Benefits

Convenient & Hassle-Free Payment

e-Signature without visit to branch and monthly payment via salary deduction with Biro Perkhidmatan Angkasa (BPA).

High Financing Amount

Finance up to RM100,000.

Payment Tenure Up To 84 Months

You can select payment tenure of 60, 72 and 84 months.

Islamic Shariah Concept

Using Commodity Murabahah transactions based on the Shariah principle of Tawarruq.

Fast Disbursement

Fast approval and swift payout to your preferred bank account.

Affordable Rates

As low as 0.5% p.m*.

Eligibility & Required Documents

With minimal documents required, AEON Personal Financing-i (for Government Employee) is the perfect financing solution to meet all your needs!

Eligibility

Malaysian citizen only
Government employee
Minimum 1 year in service
18 years old until 60 years old*
Minimum gross income of RM1,500 is required
Minimum finance amount is RM1,000 with maximum RM100,000

*Existing AEON Credit Customer: 18 Years old or above.
*New Customer to AEON Credit: 22 Years old or above
*Age 18 to 60 years old at the end of financing tenure or up to retirement age, whichever earlier (Maximum age to apply is 55 years old).

Documents Needed

The documents required for processing as listed below:

NRIC copy (front & back)
Payslip (Latest 3 Month)
Biro Perkhidmatan Angkasa Form (BPA)
Employment Confirmation Letter / HRMIS

Valid Email Address and Mobile Number

Personal Financing-i (PF) applicant is required to have a valid email address and mobile phone number for verification purposes.
A Verification Code will be sent to applicant for the sole purpose of details verification in order to complete the Personal Financing-i application process.
If Personal Financing-i application is made via the Telemarketing channel, AEON Credit Telemarketing Officer will contact the applicant to confirm on the Verification Code.

Fees & Charges

Processing Fee

4% of the financing amount ≤RM10,000
2% of the financing amount >RM10,000
Maximum fee is capped at RM400
(Applicable to Tax)

Stamp Duty

As per the Stamp Act 1949 (Revised 1989)

Other Fees

Wakalah Fee: RM10.00

Collection Fee by Biro ANGKASA:
2% of monthly payment amount per month**

*All applicable taxes shall be payable by the customer (if any). For further detail please log on to www.aeoncredit.com.my
**This fee is imposed by Biro ANGKASA upon perform the salary deduction.

Payment Tables

Payment tables to guide you for your Personal Financing-i (from RM1,000 to RM100,000)

Table of Profit Rate/Kadar Keuntungan 0.50% per month/sebulan (RM1,000 – RM100,000)

Table of Profit Rate/Kadar Keuntungan 0.60% per month/sebulan (RM1,000 – RM100,000)

Table of Profit Rate/Kadar Keuntungan 0.75% per month/sebulan (RM1,000 – RM100,000)

Table of Profit Rate/Kadar Keuntungan 0.80% per month/sebulan (RM1,000 – RM100,000)

Table of Profit Rate/Kadar Keuntungan 0.84% per month/sebulan (RM1,000 – RM100,000)

Table of Profit Rate/Kadar Keuntungan 1.20% per month/sebulan (RM1,000 – RM100,000)

Table of Profit Rate/Kadar Keuntungan 1.50% per month/sebulan (RM1,000 – RM100,000)

Notes:
*Actual financed amount may vary from the above tables
*Profit rate: 0.50% per month = 6% per year, (Effective Rate): 10.58% - 10.90% per year
*Profit rate: 1.50% per month = 18% per year, (Effective Rate): 27.46% - 31.72% per year

FAQs

Explore our Frequently Asked Questions (FAQ) section to find comprehensive information about AEON Credit Personal Financing (for Government Employee).

What is AEON i-Cash Personal Financing for Government Employee?
This AEON i-Cash Personal Financing is an unsecured Islamic Financing that does not require any collateral and designed specifically for government employees, with monthly payments are automatically deducted from the borrower’s salary via Biro ANGKASA.
What is the applicable Shariah concept?
The applicable Shariah concept is based on the Shariah principle of Tawarruq (Cost-Plus Deferred Sale of Commodities).
What is the minimum and maximum facility amount that customer can apply?
Minimum facility amount is RM 1,000.00, while the maximum facility amount is RM100,000.00. Facility amount approved is subject to AEON Credit’s assessment.
What documents are required to apply for AEON i-Cash Personal Financing for Government Employee?
- NRIC copy (front & back)
- Latest Salary Slip (3 month)
- Complete Biro Perkhidmatan Angkasa Form (BPA Form)
- Employment Letter / HRMIS
Is there any security deposit required for the facility amount approved?
No, there is no security deposit required.
How long is the facility approval process?
The facility approval is within 1 to 3 days. However, it is subject to full documentation and information received by AEON Credit. Terms and Conditions apply.
How do I know if my AEON i-Cash Personal Financing for Government Employee application is approved or not?
If the application is approved:
Customer will receive Enrolment Email & SMS from AEON Credit to complete the e-Mandate* process if his/her application is approved.

*Note: Should e-Mandate is not able to be perform, please reach out to our CSU for assistance to perform paper mandate.

If the application is rejected:
Customer will receive an SMS from AEON Credit on the unsuccessful application.
How do I obtain the funds once the facility has been approved?
Upon completion of e-Mandate and e-Signature, the funds will be transferred to either the AEON Member Plus Card’s (AMP) account, Savings or Current account of the Bank selected by the customer.
How can I get my financing amount & how long does it take?
For disbursement to AEON Member Plus Card (AMP) account:
- The customer will receive the financing amount disbursed directly through the AEON Member Plus Card (if the customer has ticked upfront during the submission input) and the balance will be disbursed into the Customer’s Bank Account (if the Financing Amount has exceeded the AEON ewallet amount).
- Disbursement will process on the same day.
For disbursement to Customer’s Bank Account (CASA):
- The customer will receive the financing amount disbursed directly into the Customer’s Bank Account (CASA).
- Disbursement will be processed within 1-3 working days.
How long is the validity period for approved AEON i-Cash Personal Financing for Government Employee?
It will be 30 days from the approval date.
How do I pay for my AEON i-Cash Personal Financing for Government Employee?
Payments are automatically deducted from your monthly salary by Biro ANGKASA.
When is the payment due?
The payment is due on the 2nd of every month.
When will the first monthly payment starts?
There will be 3 months grace period (depending on the signing date) for the 1st billing of all account under Personal Financing -i (for Government Employees).

Scenario A: Signing date is on 1st February 2026, 1st payment due date on 2nd May 2026.

Scenario B: Signing date is on 20th February 2026, 1st payment due date on 2nd Jun 2026.
What are the major risks if I default on my payment?
Compensation (late payment charge) will be imposed. If you are facing difficulties meeting your loan obligations, please contact us in advance to discuss repayment alternatives.
What are the late payment charges?
If the customer fails to make any monthly instalments or pay any other amount payable when due or the outstanding Deferred Sale Price in full when demanded, the customer shall pay the Late Payment Charge (“LPC”) to AEON Credit based on the Shariah principle of Ta’widh (compensation) calculated at the LPC rate of one percent (1 %) per annum on the outstanding payments, from the overdue date until the date of full payment during the Tenure or until judgement date (whichever is earlier).

The LPC shall be calculated based on the LPC rate as follows:
- LPC = outstanding monthly instalments (or outstanding Deferred Sale Price) x LPC rate /365 days x numbers of days outstanding.The LPC will not be compounded. The right to the LPC shall not prejudice any of AEON Credit’s other rights available under the terms of the Facility.
What if I need personal assistance?
You can contact us via the form on the side of this page or our Customer Service Hotline at 03-2719-9999
How do I check my outstanding balance?
You can either call our Customer Service Hotline, log in with your username and password on ACSM website or check out the SMS Enquiries page for more information. Alternatively, customer may also check their outstanding balance via AEON Wallet App under Financing.
What is e-Mandate?
“e-Mandate” is a Direct Debit portal for customers to authorise auto deductions of AEON Credit Personal Financing from their Current/Savings Accounts. AEON Credit Personal Financing has 17 Panel Banks that customer can choose for Direct Debit enrolment. Direct Debit enrolment is a compulsory action before customer perform e-Signature.
What is e-Signature?

“e-Signature” is a web portal, which consists of the Personal Financing facility details (Eg Financing amount, Purchase Price, Profit Rate, Tenure, Monthly Instalment Amount, Final Instalment Amount, Takaful Deduction Amount, Processing Fee, Stamp Duty Fee, Wakalah Fee and etc). Customer must Electronically Sign on AEON Credit Personal Financing Documents as acknowledgement and acceptance of the AEON Credit Personal Financing.
Can I cancel my Personal Financing Application after I have performed electronic signature or after the completion of a commodity transaction?

No. Customer cannot cancel the Personal Financing Application once he/she has performed electronic signature or after the completion of a commodity transaction, as the system has already completed the auto sales confirmation.
If I apply for PF Tawarruq, is it compulsory for me to have AEON Member Plus Visa Card (AMP)?

It is not compulsory for the customer to have the AMP card. However, if the customer has agreed to disburse the Financing amount into AMP card upfront during the submission input, then the branch staff should assist customer to register and apply for AEON Member Plus Visa Card (AMP).
What are the benefits of having AEON Member Plus Visa Card (AMP)?
The disbursement of the Financing amount of RM 10,000 and below will take only a few minutes to be credited into your AMP account. The balance of the Financing amount will be credited into the customer’s bank account (CASA) within 1 to 3 days.
If I apply for PF Tawarruq, can I have the option of taking the Takaful or not?
The Takaful is an option and depends on customer needs as to whether to take it or not.
Can I review my S&P agreement and Yearly Statement?
Yes, customer may review his/her S&P agreement and yearly statement (hereinafter referred to as “Documents”) at ACSM website. Customer is required to login/ sign up for the first time to access his/her account. Upon signing up/logging in, the customer may click the Personal Financing product under “My Account” and thereafter the “Documents” section to access review and/or download the documents required.
Can I apply for both Personal Financing-i and Personal Financing-i for Government Employees?
No. Each customer is only eligible for one personal financing account.
What is collection fee by Biro ANGKASA?
This Collection Fee is imposed by Biro ANGKASA to process the salary deduction for monthly payment. Collection Fee is 2% of monthly payment, will be imposed upon Biro ANGKASA performs the salary deduction every month.
If I already have a normal AEON i-Cash Personal Financing, can I refinance my existing account with AEON i-Cash Personal Financing for Government Employees?
Yes. You may refinance by providing the required documents related to the AEON i-Cash Personal Financing for Government Employee.
What should I do if I'm no longer employed by the government, and how can I continue making payments?
If you resigned from government while having an active AEON i-Cash Personal Financing for Government Employee, your salary deduction via Biro ANGKASA will stop. In this case, you must switch to an alternative repayment method(s) to continue fulfilling your monthly instalments.

Here’s what you should do:
- Notify AEON Credit Immediately inform AEON Credit Service by writing or contact our Customer Service Hotline at 03-2719-9999 about your resignation to avoid missed payments and penalties.
- Switch to Direct Debit or Manual Payment.
You can arrange for:
- Direct debit from your bank account.
- Online banking transfers to AEON Credit’s designated account.
- Payments via AEON Credit branches or authorised payment channels.
Note:
1. The charges listed above are excluding any applicable taxes.
2. Direct Debit monthly billing fee will be charged in the monthly payment amount. Example: If the monthly payment amount is RM100.00, Direct Debit monthly billing fee amounting RM1.00 will be charged in which the total amount payable is RM101.00.
3. Payment via AEON Member Plus Visa Card can only be made by using a valid and active AEON Member Plus Visa Card.
4. For online payment via FPX, it requires valid and active current account / savings account (CASA) in Malaysia.
5. All the fees charged will be subjected to change from time to time, please get advice from respective bank for the latest charges.