Terry KS AEON Bank has strengthened its Personal Financing-i offering to help Malaysians manage heightened expenses during peak festive and back-to-school periods. The fully digital, Shariah-compliant facility provides flexible financing with inclusive eligibility and competitive rates.
MALAYSIA, 26 DECEMBER 2025 – As Malaysians prepare for increased financial commitments during the year-end holidays, back-to-school period and a convergence of festive seasons, AEON Bank (M) Berhad has reinforced its commitment to financial inclusion with its Personal Financing-i (PF-i). As Malaysia’s first digital Islamic bank, AEON Bank aims to provide accessible and Shariah-compliant financing solutions to help households better manage short-term liquidity needs.
From December 2025 through March 2026, spending pressures typically intensify for many families. Recognising this challenge, AEON Bank positions PF-i as a flexible and hassle-free financing facility that can be accessed entirely through its digital banking app, removing the need for physical paperwork or branch visits.
The PF-i facility leverages a Risk-Based Pricing framework to offer competitive and personalised profit rates. Eligible applicants include Malaysian citizens aged between 18 and 55 with a minimum monthly gross income of RM2,500, covering salaried employees, self-employed individuals, freelancers and gig economy workers. This broad eligibility underscores the bank’s focus on inclusivity within the evolving workforce landscape.
Aligned with Shariah principles, PF-i offers financing amounts ranging from RM1,000 to RM100,000, with flexible repayment tenures between 3 and 84 months. The facility features a flat profit rate starting from 3.88 per cent per annum, alongside a nominal Wakalah fee of RM1 upon acceptance, allowing customers to better align repayments with their personal budgets.
Applications and fund disbursement are handled fully online via the AEON Bank app. Customers are required to activate a Savings Account-i, complete an eligibility check, select their preferred financing amount and tenure, and upload supporting documents such as EPF statements or bank statements. Approved funds are disbursed directly into the Savings Account-i, with repayments automatically deducted through monthly auto-debit.
Designed to address a wide range of needs, PF-i provides Malaysians with Shariah-compliant financing support for emergencies, family budget constraints, home improvements, vehicle repairs or temporary cash flow gaps, reinforcing AEON Bank’s role in advancing accessible digital Islamic banking.