AEON Credit

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.

iPhone

iPad

Mac

Apple Watch

Model	Capacity	12M	24M	36M
iPhone 18 Pro	256GB	RM580	RM328	RM244
iPhone 18 Pro	512GB	RM676	RM382	RM384
iPhone 18 Pro	1TB	RM868	RM491	RM365
iPhone 18 Pro	2TB	RM1155	RM653	RM486
iPhone 18 Pro Max	256GB	RM628	RM355	RM264
iPhone 18 Pro Max	512GB	RM724	RM409	RM305
iPhone 18 Pro Max	1TB	RM916	RM518	RM385
iPhone 18 Pro Max	2TB	RM1203	RM680	RM506
iPhone 17e	256GB	RM316	RM179	RM133
iPhone 17e	512GB	RM412	RM233	RM173
iPhone 17	256GB	RM412	RM233	RM173
iPhone 17	512GB	RM508	RM287	RM213
iPhone 17 Pro	256GB	RM527	RM298	RM221
iPhone 17 Pro	512GB	RM623	RM352	RM262
iPhone 17 Pro	1TB	RM719	RM406	RM302
iPhone 17 Pro Max	256GB	RM575	RM325	RM242
iPhone 17 Pro Max	512GB	RM671	RM379	RM282
iPhone 17 Pro Max	1TB	RM767	RM433	RM322
iPhone 17 Pro Max	2TB	RM958	RM542	RM403
iPhone Air	256GB	RM508	RM287	RM213
iPhone Air	512GB	RM604	RM341	RM254
iPhone Air	1TB	RM795	RM450	RM334
iPhone 16e	128GB	RM230	RM130	RM97
iPhone 16	128GB	RM335	RM190	RM141
iPhone 15	128GB	RM307	RM173	RM129
iPhone 14	128GB	RM201	RM114	RM85
iPhone 14	256GB	RM249	RM141	RM105
iPhone 13	128GB	RM182	RM103	RM76

Model	Capacity	12M	24M	36M
iPad Pro 11-inch (M5 \| Standard Glass \| 2025) Wi-Fi	256GB	RM527	RM298	RM221
iPad Pro 11-inch (M5 \| Standard Glass \| 2025) Wi-Fi	512GB	RM613	RM347	RM258
iPad Pro 11-inch (M5 \| Standard Glass \| 2025) Wi-Fi	1TB	RM786	RM444	RM330
iPad Pro 11-inch (M5 \| Nano-Texture Glass \| 2025) Wi-Fi	1TB	RM824	RM466	RM346
iPad Pro 11-inch (M5 \| Standard Glass \| 2025) Wi-Fi	2TB	RM997	RM563	RM419
iPad Pro 11-inch (M5 \| Nano-Texture Glass \| 2025) Wi-Fi	2TB	RM1035	RM585	RM435
iPad Pro 11-inch (M5 \| Standard Glass \| 2025) Wi-Fi + Cellular	256GB	RM613	RM347	RM258
iPad Pro 11-inch (M5 \| Standard Glass \| 2025) Wi-Fi + Cellular	512GB	RM699	RM395	RM294
iPad Pro 11-inch (M5 \| Standard Glass \| 2025) Wi-Fi + Cellular	1TB	RM872	RM493	RM366
iPad Pro 11-inch (M5 \| Nano-Texture Glass \| 2025) Wi-Fi + Cellular	1TB	RM910	RM515	RM383
iPad Pro 11-inch (M5 \| Standard Glass \| 2025) Wi-Fi + Cellular	2TB	RM1083	RM612	RM455
iPad Pro 11-inch (M5 \| Nano-Texture Glass \| 2025) Wi-Fi + Cellular	2TB	RM1121	RM634	RM471
iPad Pro 13-inch (M5 \| Standard Glass \| 2025) Wi-Fi	256GB	RM652	RM368	RM274
iPad Pro 13-inch (M5 \| Standard Glass \| 2025) Wi-Fi	512GB	RM738	RM417	RM310
iPad Pro 13-inch (M5 \| 2025) Wi-Fi + Standard Glass	1TB	RM910	RM515	RM383
iPad Pro 13-inch (M5 \| Nano-Texture Glass \| 2025) Wi-Fi	1TB	RM949	RM536	RM399
iPad Pro 13-inch (M5 \| Standard Glass \| 2025) Wi-Fi	2TB	RM1121	RM634	RM471
iPad Pro 13-inch (M5 \| Nano-Texture Glass \| 2025) Wi-Fi	2TB	RM1159	RM655	RM487
iPad Pro 13-inch (M5 \| Standard Glass \| 2025) Wi-Fi + Cellular	256GB	RM738	RM417	RM310
iPad Pro 13-inch (M5 \| Standard Glass \| 2025) Wi-Fi + Cellular	512GB	RM824	RM466	RM346
iPad Pro 13-inch (M5 \| Standard Glass \| 2025) Wi-Fi + Cellular	1TB	RM997	RM563	RM419
iPad Pro 13-inch (M5 \| Nano-Texture Glass \| 2025) Wi-Fi + Cellular	1TB	RM1035	RM585	RM435
iPad Pro 13-inch (M5 \| Standard Glass \| 2025) Wi-Fi + Cellular	2TB	RM1207	RM682	RM507
iPad Pro 13-inch (M5 \| Nano-Texture Glass \| 2025) Wi-Fi + Cellular	2TB	RM1246	RM704	RM524
iPad 11-inch (A16 \| 2025) Wi-Fi	128GB	RM196	RM111	RM83
iPad 11-inch (A16 \| 2025) Wi-Fi	256GB	RM235	RM133	RM99
iPad 11-inch (A16 \| 2025) Wi-Fi	512GB	RM321	RM181	RM135
iPad 11-inch (A16 \| 2025) Wi-Fi + Cellular	128GB	RM263	RM149	RM111
iPad 11-inch (A16 \| 2025) Wi-Fi + Cellular	256GB	RM302	RM171	RM127
iPad 11-inch (A16 \| 2025) Wi-Fi + Cellular	512GB	RM388	RM219	RM163
iPad Air 11-inch (M4 \| 2026) Wi-Fi	128GB	RM335	RM190	RM141
iPad Air 11-inch (M4 \| 2026) Wi-Fi	256GB	RM374	RM211	RM157
iPad Air 11-inch (M4 \| 2026) Wi-Fi	512GB	RM460	RM260	RM193
iPad Air 11-inch (M4 \| 2026) Wi-Fi	1TB	RM584	RM330	RM246
iPad Air 11-inch (M4 \| 2026) Wi-Fi + Cellular	128GB	RM402	RM227	RM169
iPad Air 11-inch (M4 \| 2026) Wi-Fi + Cellular	256GB	RM411	RM249	RM185
iPad Air 11-inch (M4 \| 2026) Wi-Fi + Cellular	512GB	RM527	RM298	RM221
iPad Air 11-inch (M4 \| 2026) Wi-Fi + Cellular	1TB	RM652	RM368	RM274
iPad Air 13-inch (M4 \| 2026) Wi-Fi	128GB	RM422	RM238	RM177
iPad Air 13-inch (M4 \| 2026) Wi-Fi	256GB	RM460	RM260	RM193
iPad Air 13-inch (M4 \| 2026) Wi-Fi	512GB	RM546	RM309	RM230
iPad Air 13-inch (M4 \| 2026) Wi-Fi	1TB	RM671	RM379	RM282
iPad Air 13-inch (M4 \| 2026) Wi-Fi + Cellular	128GB	RM489	RM276	RM205
iPad Air 13-inch (M4 \| 2026) Wi-Fi + Cellular	256GB	RM527	RM298	RM221
iPad Air 13-inch (M4 \| 2026) Wi-Fi + Cellular	512GB	RM613	RM347	RM258
iPad Air 13-inch (M4 \| 2026) Wi-Fi + Cellular	1TB	RM738	RM417	RM310
iPad mini (7th Gen \| A17 Pro \| 2024) Wi-Fi	128GB	RM259	RM146	RM109
iPad mini (7th Gen \| A17 Pro \| 2024) Wi-Fi	256GB	RM297	RM168	RM125
iPad mini (7th Gen \| A17 Pro \| 2024) Wi-Fi	512GB	RM326	RM184	RM137
iPad mini (7th Gen \| A17 Pro \| 2024) Wi-Fi + Cellular	128GB	RM364	RM206	RM153
iPad mini (7th Gen \| A17 Pro \| 2024) Wi-Fi + Cellular	256GB	RM383	RM217	RM161
iPad mini (7th Gen \| A17 Pro \| 2024) Wi-Fi + Cellular	512GB	RM450	RM255	RM189

Model	12M	24M	36M
iMac 24" 4.5K Retina (Nano-Texture \| M4 \| 10/10 Core \| 16GB + 256GB)	RM805	RM455	RM338
iMac 24" 4.5K Retina (Standard Glass \| M4 \| 10/10 Core \| 24GB + 512GB)	RM891	RM504	RM375
iMac 24" 4.5K Retina (Standard Glass \| M4 \| 8/8 Core \| 16GB + 256GB)	RM623	RM352	RM262
iMac 24" 4.5K Retina (Standard Glass \| M4 \| 10/10 Core \| 16GB + 256GB)	RM719	RM406	RM302
iMac 24" 4.5K Retina (Standard Glass \| M4 \| 10/10 Core \| 16GB + 512GB)	RM805	RM455	RM338
Mac mini (M5 Pro \| 15/16 Core \| 24GB + 512GB)	RM719	RM406	RM302
Mac mini (M6 \| 12/12 Core \| 24GB + 512GB)	RM537	RM303	RM226
Mac mini (M6 \| 12/12 Core \| 16GB + 512GB)	RM450	RM255	RM189
Mac mini (M6 \| 12/12 Core \| 16GB + 256GB)	RM364	RM206	RM153
Mac Studio (M5 Ultra \| 30/64 Core \| 96GB + 1TB)	RM2396	RM1354	RM1007
Mac Studio (M5 Max \| 18/32 Core \| 36GB + 512GB)	RM1054	RM596	RM443
MacBook Air 13" (M5 \| 10/8 Core \| 16GB + 512GB)	RM527	RM298	RM221
MacBook Air 13" (M5 \| 10/10 Core \| 16GB + 1TB)	RM656	RM371	RM276
MacBook Air 13" (M5 \| 10/10 Core \| 24GB + 1TB)	RM743	RM420	RM312
MacBook Air 15" (M5 \| 10/10 Core \| 16GB + 512GB)	RM604	RM341	RM254
MacBook Air 15" (M5 \| 10/10 Core \| 16GB + 1TB)	RM733	RM414	RM308
MacBook Air 15" (M5 \| 10/10 Core \| 24GB + 1TB)	RM819	RM463	RM344
MacBook Neo 13" (A18 Pro \| 6/5 Core \| 8GB +256GB)	RM287	RM162	RM121
MacBook Neo 13" (A18 Pro \| Touch ID \| 6/5 Core \| 8GB + 512GB)	RM326	RM184	RM137
MacBook Pro 14" (M5 \| 10/10 Core \| 32GB + 1TB)	RM834	RM471	RM350
MacBook Pro 14" (M5 \| 10/10 Core \| 16GB + 1TB)	RM671	RM379	RM282
MacBook Pro 14" (M5 \| 10/10 Core \| 24GB + 1TB)	RM752	RM425	RM316
MacBook Pro 14" (M5 Pro \| 15/16 Core \| 24GB + 1TB)	RM987	RM558	RM415
MacBook Pro 14" (M5 Pro \| 18/20 Core \| 24GB + 2TB)	RM1294	RM731	RM544
MacBook Pro 14" (M5 Max \| 18/32 Core \| 36GB + 2TB)	RM1687	RM953	RM709
MacBook Pro 14" (M5 Pro \| 15/16 Core \| 24GB + 2TB)	RM1203	RM680	RM505
MacBook Pro 14" (M5 \| 10/10 Core \| 32GB + 1TB)	RM926	RM463	RM309
MacBook Pro 16" (M5 Pro \| 18/20 Core \| 24GB + 1TB)	RM1198	RM677	RM503
MacBook Pro 16" (M5 Pro \| 18/20 Core \| 48GB + 1TB)	RM1457	RM823	RM612
MacBook Pro 16" (M5 Max \| 18/32 Core \| 36GB + 2TB)	RM1773	RM1002	RM745
MacBook Pro 16" (M5 Max \| 18/40 Core \| 48GB + 2TB)	RM2012	RM1137	RM846

Model	Size	12M	24M	36M
Apple Watch Ultra 4 (GPS + Cellular \| Natural Titanium Case + Natural Titanium Milanese Loop)	49mm	RM402	RM227	RM169
Apple Watch Ultra 4 (GPS + Cellular \| Black Titanium Case + Black Titanium Milanese Loop)	49mm	RM402	RM227	RM169
Apple Watch Ultra 4 (GPS + Cellular \| Natural/Black Titanium Case + Trabslucent Ocean Band)	49mm	RM354	RM200	RM149
Apple Watch Ultra 4 (GPS + Cellular \| Natural/Black Titanium Case + Alpine Loop)	49mm	RM354	RM200	RM149
Apple Watch Ultra 4 (GPS + Cellular \| Natural/Black Titanium Case + Trail Loop)	49mm	RM354	RM200	RM149
Apple Watch Series 12 (GPS \| Aluminium Case + Sport Band)	42mm	RM172	RM97	RM72
Apple Watch Series 12 (GPS \| Aluminium Case + Milanese Loop)	42mm	RM196	RM111	RM83
Apple Watch Series 12 (GPS \| Aluminium Case + Sport Band)	46mm	RM196	RM111	RM83
Apple Watch Series 12 (GPS \| Aluminium Case + Milanese Loop)	46mm	RM220	RM125	RM93
Apple Watch Series 12 (GPS + Cellular \| Aluminium Case + Sport Band)	42mm	RM220	RM125	RM93
Apple Watch Series 12 (GPS + Cellular \| Aluminium Case + Milanese Loop)	42mm	RM244	RM138	RM103
Apple Watch Series 12 (GPS + Cellular \| Titanium Case + Sport Band)	42mm	RM316	RM179	RM133
Apple Watch Series 12 (GPS + Cellular \| Titanium Case + Milanese Loop)	42mm	RM340	RM192	RM143
Apple Watch Series 12 (GPS + Cellular \| Ceramic Case + Sport Loop)	42mm	RM388	RM219	RM163
Apple Watch Series 12 (GPS + Cellular \| Aluminium Case + Sport Band)	46mm	RM244	RM138	RM103
Apple Watch Series 12 (GPS + Cellular \| Aluminium Case + Milanese Loop)	46mm	RM268	RM152	RM113
Apple Watch Series 12 (GPS + Cellular \| Titanium Case + Sport Band)	46mm	RM340	RM192	RM143
Apple Watch Series 12 (GPS + Cellular \| Titanium Case + Milanese Loop)	46mm	RM364	RM206	RM153
Apple Watch Series 12 (GPS + Cellular \| Ceramic Case + Sport Loop)	46mm	RM412	RM233	RM173
Apple Watch SE 3 (GPS \| Aluminium Case + Sport Band)	40mm	RM101	RM57	RM42
Apple Watch SE 3 (GPS \| Aluminium Case + Sport Band)	44mm	RM115	RM65	RM48
Apple Watch SE 3 (GPS + Cellular \| Aluminium Case + Sport Band)	40mm	RM124	RM70	RM52
Apple Watch SE 3 (GPS + Cellular \| Aluminium Case + Sport Band)	44mm	RM139	RM78	RM58

User Registration Requirements

Have the following prepared before applying and follow the steps below.

Applicants' Requirements

Individual:

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

Self-Employed:

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

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

Documents Needed

Individual:

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

Self-Employed:

Business Registration Form.
Photocopy I/C of proprietor/partners/directors (front and back).
Latest 3 months company bank statement.
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

How To Shop With Aeon Credit?

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.

UR Run 2026 is here! Join our 6KM Fun Run in George Town on 27 Dec –

Flexi Payment Plan ⊹ ࣪ ˖

Flexible & Low Repayment Tenure

Low Interest Rate

Easy Payment