Lump-sum personal financing
AEON and Boost release a lump sum, but Boost’s salary-deduction eligibility is narrower. Compare written offers for the same net cash and tenure.
AEON Bank Personal Financing-i
Public application route · subject to approval
Unsecured Islamic cash financing. Under Tawarruq, the bank buys a Shariah-compliant commodity, sells it to you at cost plus agreed profit on deferred payment, then acts for you to sell it to a third party for cash. Wakalah is that agency appointment; its fee is RM1.
Official product or application page · Read the provider profile
- Amount and tenure
- RM1,000–RM100,000 · 3–84 months
- Rate and pricing basis
- 3.88%–18% p.a. flat profit rate; published equivalent EPR range 5.81%–31.76%. Risk-based pricing.
- Who can apply?
- Malaysian citizens aged 18–55, gross monthly income RM2,500+. Gig and commission income can be considered. An AEON Savings Account-i is required.
- How do you apply?
- In the AEON Bank app, open Personal Financing-i, tap “Let’s get started”, enter your details, amount and tenure, upload the requested documents, review and submit. If approved, review and accept the offer after the push notification; the cash is then credited to Savings Account-i.
- Documents and information
- Salaried applicants: latest EPF statement showing at least six months of contributions. Self-employed or commission earners: latest six months of bank statements.
- What money do you receive?
- Paid to your AEON Savings Account-i after approval and acceptance. The current FAQ identifies a RM1 Wakalah deduction: RM5,000 approved means RM4,999 credited under that example. Confirm any other applicable deductions in your offer.
- How do repayments work?
- Fixed monthly instalments. The bank auto-debits Savings Account-i on the due date, takes available funds if insufficient, and retries the remaining amount. A partial debit does not satisfy the full instalment.
- Fees and deductions
- RM1 Wakalah agency fee. The terms also make stamp duty and legal/enforcement costs payable where applicable; ask for the stamp-duty amount and any waiver in your offer.
- Insurance, takaful and security
- Unsecured; the terms require no guarantor or collateral. Official takaful wording conflicts: the 31 December 2025 PDS says cover is optional and recommends an external Personal Financing Takaful Plan for death or total and permanent disability, while terms clause 34.1 says there is no option to take takaful for this financing. Ask whether external cover is accepted and obtain its premium, beneficiary and exclusions.
- Can you repay early?
- The official documents conflict. The PDS requires one month’s prior written notice and says the bank “may” grant ibra’. Terms clauses 12.1–12.2 say full settlement may be made at any time in-app and bar partial prepayment; clause 13.1 says the bank “shall” grant ibra’ for early settlement. Ibra’ reduces unearned profit in the settlement bill; it is not cash paid to you. Request a dated quotation showing the rebate and any settlement charge.
- What happens if you miss a payment?
- During the tenure, actual compensation is capped at 1% p.a. on overdue scheduled payments. After maturity, the prevailing daily overnight Islamic Interbank Money Market rate prescribed by BNM applies to outstanding principal plus accrued profit; after judgment, that benchmark applies to the defined judgment balance. Recall, legal action, credit-record effects and set-off are possible. Cross-default can include debt to another financial institution or an obligation as another party’s guarantor.
Illustration from AEON’s PDS, not your quote: RM100,000 over 84 months at 6.88% flat (11.97% EPR) has a stated total sale price of RM148,160 and a rounded monthly instalment of RM1,763.81. The RM1 deduction and any other charges must be assessed separately. Do not substitute the lowest advertised rate for an approved offer.
What still needs care?
The PDS and terms disagree about both takaful availability and the wording of the early-settlement rebate. Ask AEON Bank to resolve both in writing for your offer.
Contact the bank without app access · Bank profile · Back to the overview
Boost Personal Loan with salary deductions
Public application route · confirm employer eligibility
Unsecured personal cash borrowing repaid through Angkasa salary deductions, without collateral or a guarantor. It is separate from Boost’s motorbike and SME products.
Official product or application page · Read the provider profile
- Amount and tenure
- RM1,000–RM200,000 · 1–10 years
- Rate and pricing basis
- Advertised from 4.7% p.a. flat. Linked terms use reducing-balance wording; obtain reconciled pricing and EIR.
- Who can apply?
- Malaysian citizens aged 21–59, gross monthly salary RM1,500+, eligible for Angkasa deductions. Headline eligibility includes government, GLC and statutory-body employees, but the FAQ/PDS say eligible civil servants. Confirm the specific employer. The FAQ excludes MyTentera and self-employed applicants and requires maturity at least a year before retirement.
- How do you apply?
- Complete the application form on Boost’s product page. Boost reviews the submission and, if successful, emails the next steps. Review and sign the agreement, accept the terms, and check the final deductions before the approved funds are sent to your designated bank account.
- Documents and information
- NRIC or other requested identification, latest salary slip and proof of civil-service employment. Boost says it may request additional supporting documents. Because the headline also mentions GLC and statutory-body staff while the FAQ/PDS say civil servants, confirm employer eligibility before sending documents.
- What money do you receive?
- The approved amount goes to your designated bank account. Ask for net proceeds after stamp duty and any elected insurance; the public documents do not establish the exact deduction timing for every offer.
- How do repayments work?
- Monthly salary deduction. The PDS says “Agency fee: 2% of the repayment amount, deducted by Angkasa” but does not define the fee base or cadence, or say whether the sample instalment or stated totals include it. Ask for a schedule separating the loan instalment, Angkasa fee, total salary deduction and total payable. If employment changes, notify Boost: the terms permit full repayment demands or revised pricing and repayments.
- Fees and deductions
- 0.5% stamp duty; RM0 processing fee. The 2% Angkasa fee remains unresolved as described under repayment.
- Insurance, takaful and security
- Unsecured; no collateral or guarantor. The PDS says insurance/takaful “may be offered” but does not establish availability for every package, whether it is optional, its premium, cover or beneficiary. Obtain those details before accepting.
- Can you repay early?
- Published terms permit full settlement only after a lock-in: three years for tenures of six years or more, otherwise half the tenure. They require two months’ written notice and state no early-settlement fee. Extra payments count towards future instalments, without reducing principal/total interest. Confirm the applicable agreement and rebate in writing.
- What happens if you miss a payment?
- 1% p.a. on overdue sums, calculated daily without compounding into principal. Salary deduction is not a guarantee of successful payment. Set-off, legal action and damage to creditworthiness are possible; contact Boost if deductions fail or income stops.
Official sources do not reconcile. In the same PDS dated 15 May 2026, both language sections use RM100,000 over nine years, 7.98% p.a., 14.11% EIR and RM1,590.93 monthly. English page 1 states RM172,020 total; Malay page 3 states RM170,020—a RM2,000 difference. Multiplying 108 instalments by RM1,590.93 gives RM171,820.44, which matches neither total and still does not resolve the separate Angkasa fee. Do not use any of these as a quotation.
What still needs care?
Pricing methodology also conflicts: the current page calls the advertised rate flat, the PDS calls the facility fixed-rate, and undated terms clause 3.4 says interest is calculated on outstanding principal on a reducing-balance basis. Confirm employer eligibility and obtain a corrected, personalised schedule showing net cash, every deduction, total payable and early-settlement terms.
Contact the bank without app access · Bank profile · Back to the overview
Purchase credit
Purchase credit pays a merchant. Its credit limit is not cash in your savings account.
Ryt Credit
Public in-app application route · 24 months only for selected customers
Pays for goods/services through approved merchant DuitNow QR and Ryt Card channels. Use the approved purchase channels; ask the bank separately about any cash-access facility. Older pages may call it Ryt PayLater.
Official product or application page · Read the provider profile
- Amount and tenure
- Limit up to RM100,000 · 3, 6, 9, 12 or selected 24-month instalments
- Rate and pricing basis
- 0% for qualifying full statement repayment; instalments: 31.72% p.a. EIR from 23 September 2026.
- Who can apply?
- An activated Ryt Savings Account in good standing; Malaysian citizen resident in Malaysia, aged 18–60, not bankrupt. The product FAQ also specifies employed or self-employed status.
- How do you apply?
- Apply in the Ryt Bank app, complete the requested checks, review the approved limit and accept it or choose a lower limit. Activate Ryt Credit within 30 days. Enable it as the Ryt Card funding source if you want card purchases charged to the facility.
- Documents and information
- The PDS describes a limit up to RM1,499 without an income document. For a higher limit—advertised up to RM100,000, subject to approval—the product page requires an EPF statement and document check. Ryt may request further information; no higher limit is guaranteed.
- What money do you receive?
- No cash paid into savings for a purchase. The September PDS describes a BNPL limit up to RM1,499 without income documents; the product page requires an EPF document check for a higher limit, up to RM100,000. Neither limit is guaranteed.
- How do repayments work?
- The repayment date is four calendar days after the statement date. The 0% claim applies only when you manually repay the entire current Statement Balance before that deadline; merely leaving money in Savings does not make the one-off payment. Otherwise the balance converts to your selected or bank-assigned interest-bearing instalment plan, with the first instalment due on the same repayment date and instalments auto-debited.
- Fees and deductions
- No stamp duty, disbursement fee or late-payment charge in the September PDS. Instalment interest still applies and is calculated daily on a reducing balance using a 360-day year. Ordinary card and foreign-currency charges can still apply.
- Insurance, takaful and security
- Unsecured. No compulsory insurance is identified in the reviewed 23 September 2026 PDS; confirm any offered add-on before accepting.
- Can you repay early?
- No early-settlement penalty. Paying an upcoming instalment early does not save its interest; full settlement limits interest to the settlement date. The PDS allows either an early instalment payment or full settlement in one billing cycle, not both: after paying that cycle’s instalment, full settlement reopens next cycle. Check the available settlement option before paying.
- What happens if you miss a payment?
- If payment remains unpaid one day after the repayment date, the PDS says the credit line may be suspended. Interest, credit-record effects, collection or legal action remain possible despite zero late fees. A merchant refund does not cancel scheduled obligations: follow the updated statement and keep paying amounts due until the bank confirms the adjustment. Already-paid interest is not refunded under the terms.
Illustration: a statement dated 20 October has a 24 October repayment date under the PDS rule. With RM1,000 of new purchases and no earlier debt, manually pay that RM1,000 before the deadline for 0% on those purchases. If converted to instalments, obtain the app’s monthly amounts and total; RM1,000 divided by the number of months would omit interest.
What still needs care?
Check the conversion tenure and full repayment schedule offered in your app. The September 2026 PDS restricts full settlement in a cycle when you have already paid an instalment; check the available option before paying.
Contact the bank without app access · Bank profile · Back to the overview
Motorbike hire purchase
Compare the vehicle’s cash price, deposit, total financing and insurance costs. The vehicle can be repossessed after default.
Boost Bank Motorbike Loan
Public partner-dealer application route · subject to approval
New moped motorbikes below 250cc through participating dealers; the purchased vehicle is the asset at risk.
Official product or application page · Read the provider profile
- Amount and tenure
- Up to 90% of value · 12–60 months
- Rate and pricing basis
- From 0.833% per month; this is not a disclosed annual EIR.
- Who can apply?
- Malaysian citizens resident in Malaysia with MyKad, aged at least 18 and no more than 60 at maturity, earning RM1,500+ gross monthly. Approval and the qualifying bike/dealer must be confirmed before paying a deposit.
- How do you apply?
- Submit Boost’s online enquiry form. Boost will identify a recommended partner dealer; visit that dealer, submit the application, then complete loan acceptance in the Boost Bank mobile app.
- Documents and information
- Valid MyKad and “income details”. The public page does not identify a more specific income-document list, so confirm what the dealer will accept before visiting.
- What money do you receive?
- Finances the qualifying vehicle purchase, not a cash loan to use freely. Budget for the unfunded price and other purchase costs. Illustration: 90% financing on an eligible RM8,000 bike leaves RM800 of the price to fund yourself, before insurance and other charges.
- How do repayments work?
- Monthly hire-purchase instalments, with AutoDebit from the registered account. Get the cash price, financed amount, deposit, EIR, instalment schedule and total including mandatory insurance from the dealer/bank before signing.
- Fees and deductions
- Published charges include RM10 stamp duty, RM2 e-Hakmilik, RM7.80 first postage and RM0.70 for redelivery. Do not treat the deposit as the complete upfront cost.
- Insurance, takaful and security
- Comprehensive motor insurance is compulsory throughout the tenure. No guarantor is required. The motorcycle remains the bank’s legal property until full settlement; default may lead to repossession and a sale or voluntary return can leave a shortfall you still owe.
- Can you repay early?
- Extra payments are advances, not automatic interest savings. Boost publishes an early-settlement goodwill discount from 1 June 2026 for eligible existing hire-purchase customers. Its conditions exclude accounts more than 90 days in arrears, active repossession/legal action and restructuring/rescheduling. Request a dated settlement quote through the app or customer service; it should show the remaining balance, statutory rebate and any goodwill discount. No fixed discount is promised.
- What happens if you miss a payment?
- Published late interest is 8% p.a. on overdue instalments. Default can lead to repossession, and returning the bike may leave a debt to pay. Contact the bank promptly if you cannot pay.
What still needs care?
No universal repayment quote is shown: risk-based pricing, vehicle price and insurance affect the cost. Current agreement-specific settlement calculation remains to be confirmed.
Contact the bank without app access · Bank profile · Back to the overview
Business financing
Keep business borrowing separate from household borrowing. Check legal liability and the cash flow available to repay even if customers pay late.
Boost Bank Biz Loan
Public business application route · subject to approval
A one-off business amount with scheduled repayments, such as funding equipment or working capital. Not the salary-deduction personal loan.
Official product or application page · Read the provider profile
- Amount and tenure
- Up to RM1.5 million · up to 36 months
- Rate and pricing basis
- From 9.9% p.a. flat, risk-based. Obtain the approved EIR.
- Who can apply?
- Malaysian-resident applicant aged 18+, Malaysian-registered business operating at least one year and at least 51% Malaysian ownership. A company director must hold at least 15%. The FAQ also includes sole proprietors, private limited companies and small-cap listed entities; confirm how the criteria apply to your entity.
- How do you apply?
- Use the application at sme-loan.myboostbank.co, linked from Boost’s official product page. Boost’s Business Development team will follow up. Confirm the entity-specific criteria and final document list during that contact.
- Documents and information
- Latest six months’ bank statements and latest management account; latest audited report for a Sdn Bhd; individual income-tax Form B for a sole proprietor.
- What money do you receive?
- To a registered bank account. Obtain a written list of deductions; the publicly linked PDS permits stamp duty, legal and other applicable costs.
- How do repayments work?
- Scheduled monthly repayment. Request an offer with EIR, net cash, all instalments and total cost; the minimum advertised rate is not a quote for your business.
- Fees and deductions
- The linked PDS lists stamp duty, legal costs and taxes unless exempted or waived. The current page also mentions guarantee fees, while the indicative PDS lists them as not applicable; obtain the offer-specific amount.
- Insurance, takaful and security
- No asset collateral is listed, but the current page says joint-and-several guarantees and the indicative PDS says they apply “if required”. The public material says Boost may take legal action against guarantors, but does not publish each guarantee’s cap or allocation. Identify every guarantor and obtain the maximum amount and enforcement terms before signing. Insurance is optional; no public cover, premium or beneficiary is stated.
- Can you repay early?
- The page advertises no lock-in. The linked PDS requires two months’ written notice for full settlement; prepayments are advances towards the next instalment. No lock-in does not mean immediate settlement without notice.
- What happens if you miss a payment?
- The PDS describes an additional 1% p.a. above the lending rate on overdue amounts, plus possible set-off, legal action and claims against guarantors.
What still needs care?
The currently linked PDS is internally inconsistent: page 1 says “As of 01-OCT-2024” while its final page says the information is effective “as of 1 June 2024”. It also calls itself indicative and non-binding. Request the current binding offer, fees, guarantee and settlement terms before accepting.
Contact the bank without app access · Bank profile · Back to the overview
Check application availability
The following products have a service disruption, an enquiry-only route or unconfirmed application availability. Confirm access before relying on new financing. Existing borrowers should continue following their repayment schedule.
Personal revolving credit
A reusable limit can create several separate instalment commitments. Compare the total monthly outflow from all active draws, not just the latest one.
GXBank FlexiCredit
Application disruption notice · confirm service restoration
An unsecured reusable credit limit. Only the amount you draw becomes an instalment loan; repaid principal restores available credit. An unused limit incurs no interest or maintenance fee.
Official product or application page · Read the provider profile
- Amount and tenure
- Limit up to RM150,000 · each loan 6–60 months
- Rate and pricing basis
- From 3.78% p.a. flat; advertised EIR from 6.45%. Approved rate can differ.
- Who can apply?
- Malaysian citizen resident in Malaysia with MyKad, aged 21–64, employed or self-employed, monthly income RM1,500+ and a GX Account. Students, homemakers and retirees are excluded on the product page.
- How do you apply?
- Applications were temporarily unavailable when checked. When restored, existing users can open the FlexiCredit banner under Home / “For you today” or Discover. New users first create a GX Savings Account and enable credit-product-offer consent. Follow the guided details and upload steps. After approval, activate the limit; for each drawdown select the amount, tenure and repayment date, then review the schedule before confirming.
- Documents and information
- Salaried applicants: unedited PDF of the latest two years’ EPF statements showing six recent consecutive contributions. Self-employed applicants: six months of unedited business-bank statements downloaded from the bank’s official portal. PDFs must be under 3 MB; screenshots or scans are not accepted.
- What money do you receive?
- Drawdown is credited to your GX Account. The PDS lists no stamp duty or disbursement fee. A RM3,000 drawdown therefore has no deduction for either of those items.
- How do repayments work?
- Choose amount, tenure and repayment date for each drawdown; review the schedule before confirming. A separate first payment can cover odd-day interest between drawdown and the first repayment date. Regular and final instalments can differ because of rounding. Auto-repayment settings are under Manage in the app.
- Fees and deductions
- RM0 processing and early-settlement fees; no stamp duty/disbursement fee in the June PDS. Interest is charged on utilised loans, not the unused limit.
- Insurance, takaful and security
- Unsecured; no guarantor or collateral. No compulsory insurance is identified in the 3 June 2026 PDS; confirm any offered add-on before accepting.
- Can you repay early?
- Full settlement through the app without penalty. The PDS does not allow monthly instalment overpayments. Obtain the settlement figure; do not send extra money expecting it to reduce future interest automatically.
- What happens if you miss a payment?
- 1% p.a. on overdue amounts from the overdue date until payment. The bank may set off deposit balances, use collection agents or take legal action; creditworthiness may be affected. Contact GXBank early to discuss repayment alternatives.
Official PDS illustration, not today’s personalised rate: RM3,000 for one year at 5.99% flat / 10.88% EIR. Two odd days cost RM1.79, followed by 11 payments of RM264.98 and a final RM264.92. Total RM3,181.49. The example shows why the first and last amounts belong in a comparison.
What still needs care?
The product page carries an application-disruption notice. Check that new applications have resumed before planning around this facility. Existing borrowers should continue following their repayment schedule.
Contact the bank without app access · Bank profile · Back to the overview
Business financing
Keep business borrowing separate from household borrowing. Check legal liability and the cash flow available to repay even if customers pay late.
GXBank Biz FlexiLoan
Biz Account opening-disruption notice · confirm access
Working capital or capital expenditure for sole proprietors, bundled with a GX Biz Account. Up to ten outstanding drawdowns; this is separate from personal FlexiCredit.
Official product or application page · Read the provider profile
- Amount and tenure
- Up to RM350,000 · public page says up to 24 months; PDS appendix differs
- Rate and pricing basis
- From 3.8% p.a.; advertised EIR from 7%. Obtain the drawdown’s actual EIR and daily-rest schedule.
- Who can apply?
- Malaysian sole proprietor aged 18+ with active SSM registration and a valid 12-digit Business Registration Number.
- How do you apply?
- Biz Account openings were temporarily unavailable when checked, so confirm access first. When available, open Business Banking in the GXBank app, enter the business details, verify identity with MyKad, enter the 12-digit SSM registration number and tap “Get Both” to accept the bundled Biz Account and offered credit line.
- Documents and information
- MyKad, active SSM registration / 12-digit Business Registration Number, and the latest six months of business or personal bank statements from a bank other than GXBank.
- What money do you receive?
- Credited to your GX Biz Account. Ask for net proceeds and applicable stamp duty for the drawdown; the PDS permits stamp-duty charges and does not give one universal net amount.
- How do repayments work?
- Each drawdown has its own monthly schedule. Daily-rest pricing means early repayment can reduce subsequent interest. A CGC-guaranteed offer can include a guarantee premium within interest; compare the combined EIR.
- Fees and deductions
- September PDS: annual unused-line commitment fee currently waived, with 1% potentially imposed on notice; stamp duty may apply. Any guarantee premium already charged is not refundable. The webpage’s “no fees” claim should not be read as a permanent waiver of every listed cost.
- Insurance, takaful and security
- Collateral-free and no personal guarantor, but a sole proprietor’s liability automatically extends to the individual owner. A CGC-backed offer is a third-party guarantee supporting the bank’s exposure, not insurance that removes the borrower’s debt. The guarantee premium is included in interest, charged daily on the utilised outstanding amount and is not refundable once charged. Compare the combined EIR.
- Can you repay early?
- No lock-in or early-settlement penalty. On full settlement, further interest and guarantee premium stop. Check the bank’s quote and allocation of any partial payment.
- What happens if you miss a payment?
- 1% p.a. on overdue amounts on a daily-rest basis; set-off, accelerated repayment, legal action and credit-record effects are possible. The page also restricts new draws when a loan is 15 days past due.
What still needs care?
The page advertises up to 24 months; the 1 September 2026 PDS appendix permits 2–84 months or another bank-specified period. The PDS calls the facility flat-rate but describes daily-rest interest and EIR examples. Confirm the tenure, rate basis and actual fee waivers in the offer. Do not assume the personal-loan rules apply.
Contact the bank without app access · Bank profile · Back to the overview
Boost Bank Revolving Credit
Public enquiry route · confirm whether applications are open
Short-term working capital while waiting for customer payments. Interest-only servicing leaves principal outstanding; rollover requires bank consent.
Official product or application page · Read the provider profile
- Amount and tenure
- Up to RM1.5 million · draw/rollover 7–180 days; facility up to 24 months
- Rate and pricing basis
- Advertised from 1.5% per month. Do not compare this directly with an annual personal-loan rate.
- Who can apply?
- Malaysian-resident applicant aged 18+, Malaysian-registered business operating at least one year and at least 51% Malaysian ownership. A company director must hold at least 15%. The FAQ also includes sole proprietors, private limited companies and small-cap listed entities; confirm how the criteria apply to your entity.
- How do you apply?
- Use the enquiry / registration route on Boost’s official Revolving Credit page; it currently offers a page enquiry and an official WhatsApp contact rather than an instant credit decision. Boost’s Business Development team will follow up. Confirm that applications are open before sending documents.
- Documents and information
- Latest six months’ bank statements and latest management account; latest audited report for a Sdn Bhd; individual income-tax Form B for a sole proprietor.
- What money do you receive?
- Drawdown goes to the registered bank account. Net proceeds depend on applicable duty/legal charges and the final offer.
- How do repayments work?
- Interest is payable at the rollover date, with principal and other amounts due at the end unless the bank agrees to renewal. The limit is uncommitted and can be reduced or recalled; do not assume another rollover will fund repayment.
- Fees and deductions
- Linked PDS: 1% p.a. commitment fee on unused credit, payable monthly in arrears, plus applicable stamp duty, legal costs and taxes. The current page also mentions guarantee fees, while the indicative PDS lists them as not applicable; obtain the offer-specific amount and any waiver in writing.
- Insurance, takaful and security
- No asset collateral is listed, but the current page says joint-and-several guarantees and the indicative PDS says they apply “if required”. The public material says Boost may take legal action against guarantors, but does not publish each guarantee’s cap or allocation. Identify every guarantor and obtain the maximum amount and enforcement terms before signing. Insurance is optional; no public cover, premium or beneficiary is stated.
- Can you repay early?
- The indicative PDS requires two months’ written notice for full settlement. Partial payments are treated as advances and do not reduce interest during the current tenure under that document.
- What happens if you miss a payment?
- The PDS adds 1% p.a. above the lending rate for overdue amounts and allows set-off/legal action, including against guarantors.
What still needs care?
The page says flat pricing from 1.5% monthly; the linked PDS describes daily interest on utilised balances and fixed or variable facilities. That PDS is internally inconsistent: page 1 says “As of 01-OCT-2024” while its final page says effective “as of 1 June 2024”; it is also indicative and non-binding. Request current binding pricing, EIR, fee waivers, guarantee and the full repayment/rollover schedule.
Contact the bank without app access · Bank profile · Back to the overview
KAF: financing availability is unconfirmed
KAF’s help page describes financing as a planned service. Its public personal-product directory currently provides savings and debit-card documents. Ask KAF whether financing applications or invitations are available and request the current product disclosure.
For any invitation, confirm the legal lender, product name, eligibility, total cost and official application route. Products from partners or other KAF companies have their own terms.
If you cannot pay, or cannot access the app
Contact the lender before the due date where possible. Give the loan reference, instalment due/date, what changed in your income and what you can afford. Ask for the authorised payment route if app access is lost, and a written explanation of assistance options, added costs and any credit-record effect. A request for help does not itself change your payment schedule.
Useful wording: “My payment of RM___ is due on ___. My income has changed because ___. I can currently pay RM___. Please explain repayment-assistance options, the revised total cost, and how I should pay while I cannot access the app.”
GXBank
GXBank official support source · Contact details reviewed 8 October 2026. GXBank hours and channel notes
AEON Bank
+603 4816 8888
customer.support@aeonbank.com.my
AEON Bank official support source · Contact details reviewed 8 October 2026. AEON Bank hours and channel notes
Boost Bank
+603 8658 3000
support@myboostbank.co
Boost Bank official support source · Contact details reviewed 8 October 2026. Boost Bank hours and channel notes
KAF Digital Bank
+603 8744 3331
General enquiries only: hello@kaf.com.my. Use the hotline, official WhatsApp or secure in-app route for an account-specific financing matter.
KAF Digital Bank official support source · Contact details reviewed 8 October 2026. KAF Digital Bank hours and channel notes
Ryt Bank
+603 5115 5115
support@rytbank.my
Ryt Bank official support source · Contact details reviewed 8 October 2026. Ryt Bank hours and channel notes
Keep the repayment schedule, receipts, deduction records and support case reference. Send documents only through a channel the bank verifies; Rize does not collect loan applications or account documents. For unresolved complaints, use our complaint and escalation guide.
The bank disclosures also point to Agensi Kaunseling dan Pengurusan Kredit (AKPK) for money-management, credit counselling and debt-restructuring help. Check AKPK’s service eligibility directly. Taking a new loan to cover every difficult month can increase the problem; assess assistance and your budget before adding a commitment.
For an existing loan, use your agreement and request a written bank response about any terms you need clarified.