AEON Credit Service

Flexi Payment Plan

Apply and Buy your dream device via Flexible Monthly Instalments

  • Flexible & Low Repayment Tenure

    Up to 36 monthly repayments*

  • Low Interest Rate

    Special interest rate as low as 1% per month

  • Easy Payment

    No credit card & deposit needed.

Choose Your Favourite Devices.

Click on individual devices to see the price list.

Model Capacity 12 mo. 24 mo. 36 mo.
iPhone 17 256GB RM378 RM211 -
iPhone 17 512GB RM472 RM264 RM194
iPhone 17 Pro 256GB RM519 RM290 RM214
iPhone 17 Pro 512GB RM614 RM343 RM253
iPhone 17 Pro 1TB RM708 RM395 RM291
iPhone 17 Pro Max 256GB RM566 RM316 RM233
iPhone 17 Pro Max 512GB RM661 RM369 RM272
iPhone 17 Pro Max 1TB RM755 RM422 RM311
iPhone 17 Pro Max 2TB RM944 RM527 RM388
iPhone Air 256GB RM472 RM264 RM194
iPhone Air 512GB RM566 RM316 RM233
iPhone Air 1TB RM661 RM369 RM272
iPhone 16 Plus 128GB RM378 RM211 -
iPhone 16 Plus 256GB RM425 RM237 RM175
iPhone 16 128GB RM331 RM185 -
iPhone 16e 128GB RM283 RM158 -
iPhone 16e 256GB RM331 RM185 -
iPhone 16e 512GB RM425 RM237 RM175
iPhone 15 128GB RM255 RM143 -
iPhone 15 256GB RM302 RM169 -
iPhone 14 128GB RM208 RM116 -
iPhone 14 256GB RM255 RM143 -
iPhone 13 128GB RM180 RM101 -
Model Size 12 mo. 24 mo. 36 mo.
Apple Watch Ultra 2, GPS + Cellular 49mm RM319 RM180 RM134
Apple Watch Series 10, GPS | Aluminium Case 42mm RM151 RM85 RM64
Apple Watch Series 10, GPS | Aluminium Case 46mm RM165 RM94 RM70
Apple Watch Series 10, GPS + Cellular | Aluminium Case 42mm RM199 RM113 RM84
Apple Watch Series 10, GPS + Cellular | Aluminium Case 46mm RM213 RM121 RM90
Apple Watch Series 10, GPS + Cellular | Titanium Case, Sport Band 42mm RM272 RM154 RM114
Apple Watch Series 10, GPS + Cellular | Titanium Case, Sport Band 46mm RM296 RM167 RM125
Apple Watch SE, GPS | Aluminium Case 40mm RM81 - -
Apple Watch SE, GPS | Aluminium Case 44mm RM94 RM54 -
Apple Watch SE, GPS + Cellular | Aluminium Case 40mm RM104 RM59 -
Apple Watch SE, GPS + Cellular | Aluminium Case 44mm RM118 RM67 RM50
Model 12 mo. 24 mo. 36 mo.
MacBook Air 13-inch (M4 chip with 10-core CPU and 8-core GPU, 16GB, 256GB SSD) RM389 RM220 RM164
MacBook Air 13-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 512GB SSD) RM470 RM266 RM198
MacBook Air 13-inch (M4 chip with 10-core CPU and 10-core GPU, 24GB, 512GB SSD) RM537 RM298 RM218
MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 256GB SSD) RM456 RM258 RM192
MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 16GB, 512GB SSD) RM523 RM290 RM212
MacBook Air 15-inch (M4 chip with 10-core CPU and 10-core GPU, 24GB, 512GB SSD) RM602 RM334 RM244
MacBook Pro 14-inch (M4 Pro chip, 24GB, 512GB SSD) RM794 RM440 RM322
MacBook Pro 14-inch (M4 Pro chip, 24GB, 1TB SSD) RM980 RM543 RM397
MacBook Pro 14-inch (M4 Max chip, 36GB, 1TB SSD) RM1,307 RM724 RM529
MacBook Pro 16-inch (M4 Pro chip, 24GB, 512GB SSD) RM1,027 RM569 RM416
MacBook Pro 16-inch (M4 Pro chip, 48GB, 512GB SSD) RM1,186 RM657 RM480
MacBook Pro 16-inch (M4 Max chip, 36GB, 1TB SSD) RM1,428 RM791 RM578
MacBook Pro 16-inch (M4 Max chip, 48GB, 1TB SSD) RM1,634 RM905 RM662
Mac mini (M4 chip, 16GB, 256GB SSD) RM240 RM136 RM101
Mac mini (M4 chip, 16GB, 512GB SSD) RM321 RM182 RM135
Mac mini (M4 chip, 24GB, 512GB SSD) RM403 RM228 RM170
Mac mini (M4 Pro chip, 24GB, 512GB SSD) RM560 RM310 RM227
iMac 24-inch, Standard Glass (M4 chip, Two ports, 16GB, 256GB SSD) RM542 RM300 RM220
iMac 24-inch, Standard Glass (M4 chip, Four ports, 16GB, 256GB SSD) RM626 RM347 RM254
iMac 24-inch, Standard Glass (M4 chip, Four ports, 16GB, 512GB SSD) RM705 RM391 RM286
iMac 24-inch, Standard Glass (M4 chip, Four ports, 24GB, 512GB SSD) RM784 RM434 RM318
iMac 24-inch, Nano-Texture Glass (M4 chip, Four ports, 16GB, 256GB SSD) RM705 RM391 RM286
Mac Studio (M4 Max chip, 36GB, 512GB SSD) RM840 RM465 RM340
Mac Studio (M3 Ultra chip, 96GB, 1TB SSD) RM1,680 RM930 RM680
Model Capacity 12 mo. 24 mo. 36 mo.
iPad 11-inch (A16, 2025), Wi-Fi 128GB RM131 RM74 RM55
iPad 11-inch (A16, 2025), Wi-Fi 256GB RM169 RM96 RM71
iPad 11-inch (A16, 2025), Wi-Fi 512GB RM255 RM145 RM108
iPad 11-inch (A16, 2025), Wi-Fi + Cellular 128GB RM198 RM112 RM83
iPad 11-inch (A16, 2025), Wi-Fi + Cellular 256GB RM236 RM134 RM100
iPad 11-inch (A16, 2025), Wi-Fi + Cellular 512GB RM322 RM182 RM136
iPad Air 11-inch (M3, 2025), Wi-Fi 128GB RM202 RM114 RM85
iPad Air 11-inch (M3, 2025), Wi-Fi 256GB RM240 RM136 RM101
iPad Air 11-inch (M3, 2025), Wi-Fi 512GB RM326 RM185 RM137
iPad Air 11-inch (M3, 2025), Wi-Fi 1TB RM412 RM233 RM174
iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular 128GB RM269 RM152 RM113
iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular 256GB RM307 RM174 RM129
iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular 512GB RM393 RM223 RM166
iPad Air 11-inch (M3, 2025), Wi-Fi + Cellular 1TB RM480 RM271 RM202
iPad Air 13-inch (M3, 2025), Wi-Fi 128GB RM288 RM163 RM121
iPad Air 13-inch (M3, 2025), Wi-Fi 256GB RM326 RM185 RM137
iPad Air 13-inch (M3, 2025), Wi-Fi 512GB RM412 RM233 RM174
iPad Air 13-inch (M3, 2025), Wi-Fi 1TB RM486 RM269 RM197
iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular 128GB RM355 RM201 RM149
iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular 256GB RM393 RM223 RM166
iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular 512GB RM480 RM271 RM202
iPad Air 13-inch (M3, 2025), Wi-Fi + Cellular 1TB RM551 RM305 RM223
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi 128GB RM173 RM98 RM73
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi 256GB RM211 RM120 RM89
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi 512GB RM297 RM168 RM125
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular 128GB RM240 RM136 RM101
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular 256GB RM278 RM158 RM117
iPad mini (7th gen, A17 Pro, 2024), Wi-Fi + Cellular 512GB RM365 RM206 RM154
iPad Pro 11-inch (M5, 2025), Wi-Fi, Standard Glass 256GB RM432 RM244 RM182
iPad Pro 11-inch (M5, 2025), Wi-Fi, Standard Glass 512GB RM504 RM279 RM204
iPad Pro 11-inch (M5, 2025), Wi-Fi, Standard Glass 1TB RM672 RM372 RM272
iPad Pro 11-inch (M5, 2025), Wi-Fi, Standard Glass 2TB RM839 RM465 RM340
iPad Pro 11-inch (M5, 2025), Wi-Fi, Nano-Texture Glass 1TB RM710 RM393 RM288
iPad Pro 11-inch (M5, 2025), Wi-Fi, Nano-Texture Glass 2TB RM878 RM486 RM356
iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 256GB RM504 RM279 RM204
iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 512GB RM588 RM326 RM238
iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 1TB RM756 RM419 RM306
iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 2TB RM924 RM512 RM374
iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Nano-Texture Glass 1TB RM794 RM440 RM322
iPad Pro 11-inch (M5, 2025), Wi-Fi + Cellular, Nano-Texture Glass 2TB RM961 RM533 RM390
iPad Pro 13-inch (M5, 2025), Wi-Fi, Standard Glass 256GB RM542 RM300 RM220
iPad Pro 13-inch (M5, 2025), Wi-Fi, Standard Glass 512GB RM626 RM347 RM254
iPad Pro 13-inch (M5, 2025), Wi-Fi, Standard Glass 1TB RM794 RM440 RM322
iPad Pro 13-inch (M5, 2025), Wi-Fi, Standard Glass 2TB RM962 RM533 RM390
iPad Pro 13-inch (M5, 2025), Wi-Fi, Nano-Texture Glass 1TB RM831 RM460 RM337
iPad Pro 13-inch (M5, 2025), Wi-Fi, Nano-Texture Glass 2TB RM999 RM553 RM405
iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 256GB RM626 RM347 RM254
iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 512GB RM710 RM393 RM288
iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 1TB RM878 RM486 RM356
iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Standard Glass 2TB RM1,046 RM579 RM424
iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Nano-Texture Glass 1TB RM915 RM507 RM371
iPad Pro 13-inch (M5, 2025), Wi-Fi + Cellular, Nano-Texture Glass 2TB RM1,083 RM600 RM439

Applicants' Requirements

Individual:

  1. Malaysian citizen aged 18 years to 65 years old.
  2. Applicants should be employed for at least 6 months in current employment.
  3. Minimum monthly gross salary: RM1000.00.
  4. Office telephone number and HP / home telephone number is compulsory.
  5. One contactable referee.
  6. Applicant must be contactable.
  7. No records of blacklist, CCRIS or CTOS.

Self-Employed:

  1. Malaysian citizen aged 18 years to 65 years old.
  2. Self-employed applicants' current employment must be at least 1 year.
  3. Minimum monthly net pay: RM1000.00.
  4. Providing office telephone and HP / home telephone number is compulsory.
  5. One contactable referee.
  6. Applicant must be contactable.
  7. No records of blacklist, CCRIS or CTOS.

Valid Email Address and Mobile Number is compulsory. Terms and conditions apply

Documents Needed

Individual:

  1. One photocopy of I/C (front and back).
  2. Latest photocopy 3 months proof of income or EPF statement.
  3. Latest photocopy 3 months proof of salary account bank statement.
  4. Bank proof (Applicant's Personal Savings Account for Auto Debit purpose).

Self-Employed:

  1. Business Registration Form.
  2. Photocopy I/C of proprietor/partners/directors (front and back).
  3. Latest 3 months company bank statement.
  4. Bank proof (Applicant's Personal Savings Account for Auto Debit purpose).

No applicants with past records of blacklist, CCRIS or CTOS. Terms and conditions apply

  • Step 1

    Chat with our customer service team HERE and ask about AEON Credit Service.

  • Step 2

    Ready needed documents and provide them to our customer service team.

  • Step 3

    You will be notified via email and SMS upon approval.

  • Step 4

    Visit Urban Republic to sign agreement and collect device!

Frequently Asked Questions

What is flexi-payment ?

It is a payment option that enable customer to apply and purchase the products and pay via flexible monthly instalments.

What products does the scheme finance?

The scheme finances consumer products ranging from Smartphone, Computers, Tablets, Smart Watch, Accessories and etc.

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

For iPhone >

New AEON Customer: 1.25%
AEON Express / AEON Credit Cardholder: 1.10%


For Apple Watch, iPad and Mac >

RM5,000 & Below:

New AEON Customer: 1.25%
AEON Express / AEON Credit Cardholder: 1.25%

RM5,001 & Above:

New AEON Customer: 1.10%
AEON Express / AEON Credit Cardholder: 1.00%

Do I need to provide any guarantor?

No.

Will my personal information be kept confidential?

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

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

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

Any fee do I need to pay during collection of product?

A fixed processing fee of RM50 (inclusive of 8% SST) and a stamping fee (0.5% of the total financing amount, e.g., RM10, RM15, RM20, RM25, RM30, RM35, RM40, RM45, RM50, etc.) will be imposed on every customer for each approved case. These fees are to be paid at the outlet during the signing and collection of the product.

How do I make my monthly payments?

Payment can be made via monthly deduction by Autodebit (Maybank, BSN, CIMB Bank, Public Bank, RHB, Ambank Group, Ambank, Alliance Bank, Bank Muamalat, Standard Chartered).

Why should I buy my dream device from Urban Republic?

We are the largest Apple Premium Reseller in Malaysia and the products sold by Urban Republic are all genuine products, follow RRP set by Apple Malaysia.