Product DisclosureSheet (PDS)
Complete transparency on our personal loan product as required by Bank Negara Malaysia
Personal Loan Product Details
Last Updated: 20 April 2026
Product Features
| Product Name | Aeon-Credit Services Personal Loan |
| Loan Amount | RM 5,000 to RM 1,000,000 (Subject to approval and affordability assessment) |
| Repayment Period | 6 to 108 months |
| Monthly Interest Rate | 0.66% per month (Fixed) |
| Annual Percentage Rate (APR) | Approximately 7.92% per annum* |
| Effective Interest Rate (EIR) | Approximately 8.97% per annum* |
* APR and EIR calculations are approximate and may vary based on loan amount, tenure, and fees. These rates are provided for comparison purposes.
Fees & Charges
| CTOS Credit Check Fee | RM 30.00 (One-time, non-refundable) |
| Processing Fee | Nil |
| Stamp Duty | As per Stamp Act 1949 (borne by borrower) |
| Early Settlement Fee | Subject to terms in loan agreement |
| Late Payment Charge | As specified in loan agreement (subject to regulatory limits) |
Representative Example
Illustrative calculation based on standard loan parameters
Example 1: RM 10,000
Example 2: RM 50,000
Important Information
Approval Conditions
All loan applications are subject to credit assessment, income verification, and internal approval processes. Approval is not guaranteed and final terms may differ from illustrations provided.
Right to Refuse
We reserve the right to reject any application without providing reasons. Applicants will be notified of the decision within a reasonable timeframe.
Responsible Borrowing
Before applying, assess your ability to repay. Consider your income, existing obligations, and financial commitments. Borrowing beyond your means may lead to financial difficulties.
Credit Bureau Reporting
Your credit information will be reported to CTOS and CCRIS. Late payments or defaults will negatively affect your credit score and future borrowing ability.
Early Settlement
You may settle your loan early. Early settlement terms and any applicable fees will be clearly stated in your loan agreement. Contact us for the latest settlement amount.
Late Payment Consequences
Late payment charges will apply as per your loan agreement. Persistent late payments may result in legal action and negatively impact your credit record.
Disclaimer
The information in this Product Disclosure Sheet is accurate as of the date stated above and is subject to change without prior notice. This document is for general information purposes only and does not constitute a contract or offer to lend.
Final loan terms, conditions, interest rates, fees, and charges will be detailed in the formal loan agreement. Please read all loan documentation carefully before signing. If you have any questions, please contact our customer service team.