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 cash financing under a Tawarruq arrangement. This is AEON Bank’s product, not a similarly named non-bank lender.
- 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. Salaried applicants provide the latest EPF statement with six months of contributions; self-employed/commission earners provide 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, deductions and cover
- RM1 Wakalah fee. Takaful is optional under the PDS. 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.
- Can you repay early?
- Full settlement is available through the app; the PDS requires one month’s written notice. Partial early settlement is not allowed. Extra payments are advances and do not reduce principal, tenure or profit. The terms provide ibra’ for unearned profit, less any applicable settlement charge: it reduces the settlement bill, not a cash reward. Request a dated quotation before paying.
- What happens if you miss a payment?
- During the tenure, the PDS states 1% p.a. on overdue instalments. After maturity or the specified default/judgment circumstances, the prevailing overnight IIMM rate or another BNM-approved rate applies to the relevant outstanding balance. Set-off, legal action, credit-record effects and cross-default are possible.
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 describe the early-settlement rebate differently. Request a dated quote showing outstanding principal, the ibra’ rebate and any settlement charges.
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.
- 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.
- 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, with a 2% Angkasa agency fee on repayment. Confirm the total deduction including that fee, first deduction date and backup payment route. If employment changes, notify Boost: the terms permit full repayment demands or a revised loan with different pricing.
- Fees, deductions and cover
- 0.5% stamp duty; RM0 processing fee. Angkasa agency charge is 2% of repayment. Insurance/takaful may be offered; request its price and whether your specific package makes it optional.
- 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.
What still needs care?
Published repayment totals and pricing terms differ. Confirm employer eligibility and obtain a personalised schedule showing net cash, monthly deductions including agency fees, total repayment 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.
- 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/self-employed status. Apply in-app, provide requested information, review and accept an approved limit (or choose lower), then activate credit within 30 days. Enable Ryt Credit as the card funding source if using the card.
- 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?
- PDS: repayment date is four calendar days after the statement date. To keep new purchases at 0%, manually repay the full current statement amount from savings into Ryt Credit before the deadline. Leaving money in savings does not perform that one-off repayment. Unpaid purchases convert to your chosen or bank-assigned instalment plan; the first instalment is due on that same repayment date and instalments are auto-debited.
- Fees, deductions and cover
- No stamp duty, disbursement fee or late-payment charge in the September PDS. Instalment interest still applies. The terms calculate it daily on a reducing balance using a 360-day year. Ordinary card/foreign-currency charges can still apply. No compulsory insurance is identified in the reviewed credit PDS.
- 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.
- 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.
- 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, deductions and cover
- Comprehensive insurance is mandatory. 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.
- 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.
- 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?
- The page includes sole proprietors and companies, Malaysian ownership of at least 51% and at least one year operating. Its company-director criteria include 15% shareholding. Confirm how the criteria apply to your entity; prepare six months’ statements and applicable accounts/tax documents.
- 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, deductions and cover
- The linked PDS lists stamp duty, legal costs and taxes unless exempted/waived. Insurance is optional. A joint-and-several guarantee may be required even though no asset collateral is listed.
- 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 bank links an indicative PDS with conflicting 2024 dates. Request the current offer, fees 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.
- 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 resident with MyKad, aged 21–64, employed/self-employed, income RM1,500+ monthly and a GX Account. Salaried evidence: two years’ EPF statements with six recent consecutive contributions; self-employed: six months’ business statements. Students, homemakers and retirees are excluded on the product page.
- 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, deductions and cover
- 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. No compulsory insurance is identified in that PDS; ask before accepting any optional add-on.
- 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.
- 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+, active SSM registration and six months of external business/personal bank statements. No collateral or personal guarantor is required by the PDS, but sole-proprietor liability extends to the individual owner.
- 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, deductions and cover
- 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.
- 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.
- 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?
- Published criteria include Malaysian ownership of at least 51%, a year in business and relevant owner/director qualifications. Provide bank statements, accounts and applicable tax evidence. A joint-and-several guarantee may be required; verify the entity-specific conditions.
- 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, deductions and cover
- Linked PDS: 1% p.a. commitment fee on unused credit, payable monthly in arrears, plus applicable stamp duty/legal costs and taxes. Insurance is optional. Obtain any waiver in writing.
- 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. The PDS also carries conflicting 2024 dates. Request current pricing, the EIR, fee waivers 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
Official support source · Contact details reviewed 1 October 2026. Hours and channel notes
AEON Bank
+603 4816 8888
customer.support@aeonbank.com.my
Official support source · Contact details reviewed 1 October 2026. Hours and channel notes
Boost Bank
+603 8658 3000
support@myboostbank.co
Official support source · Contact details reviewed 1 October 2026. Hours and channel notes
KAF Digital Bank
+603 8744 3331
hello@kaf.com.my
Official support source · Contact details reviewed 1 October 2026. Hours and channel notes
Ryt Bank
+603 5115 5115
support@rytbank.my
Official support source · Contact details reviewed 1 October 2026. 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 AKPK for money-management and debt counselling. Check its 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.