Hi all ,

May I ask if Aeon credit's recognized retail price is higher than recommend Retail price from manufacturers ? For example the bike costs 35k but loan amount for Aeon is 38k. Is this the practice in the market ?

Sorry new to this.

Thanks !

This post has been edited by minde: Aug 7 2017, 12:21 PM

well... thats the interest add on your bike price from aeon.
and aeon is infamous for high interest.

This post has been edited by Sadru: Jul 29 2017, 12:40 PM

i believe actually rrp is rm38k

rm35k is discounted price by shops

Ok make sense if included interest. So the base/principal loan will still be the same

35k is indeed the rpp inclusive of gst. Looking at z650

This post has been edited by minde: Jul 29 2017, 01:56 PM

Might be including on the road cost as well

Just called them ... yes all insurance charges etc

AEON vs personal loan... do compare. Sometime it's cheaper to get personal loan, way cheaper if you're government staff.

AEON allows some variation in the selling price by diff retailers, meaning they allow u to hutang a bit more to accommodate the various sticker prices at diff shops.

But hutang is still hutang. It doesn't mean extra free cash for u.

Always aim for the least amount of hutang.

Motor RM35k tapi kau sengaja balun hutang RM38k just because AEON lets you... then kau yg rugi, AEON yg untung.

agreed to take less. paying about 30-40% down payment. just i saw the list from the motorcycle shop is RM38k instead of RM35k.

The RM38K include all the others like insurance, road tax etc. If add all up in cash price i think is RM37.5k. RM500 bucks for Aeon processing fee and all.

May consider personal loan since less hassle with bike registration etc.

This post has been edited by minde: Jul 31 2017, 11:47 AM

Loan for nothing - with interest sumo more.


Exactly. Sometime, there's good personal loan promotion. Cheaper than AEON, less hassle. Pay slip, sign here & there, done.

btw if aeon's profit rating for example is 0.4% per month. Do we just simple multiply 12 to get the effective annual rate?

btw, what's the best company to take a motorcycle loan ? out of curiosity.

Rusty math... not sure how to calculate. As for me, total to pay & monthly payment matters.


Do shop around & compare. They have variable interest rates according to bike cc, special promotions, its not fix.

Another option is by flexi loan offered by credit card. Interest is very low but the length of loan is also short, i.e. longest 3 years. If u can suit your repayment into the 3yrs repayment then this is the best option. Furthermore, you don't have to pay the processing fee charged by AEON.

Credit card loan = low interest?

Setahu aku cuma loan MBf yg zero interest.

I bought my bike using credit card with 36 monthly repayment. Interest was calculated at 2.3%p.a.

I bought my scooter with my cc, 0% interest, but 18 months only. Truly interest free.

Yup for flexi payment not more than 18 months

if you get motorcycle loan, is the bike registered under your name or the banks? is it difficult to sell the bike after ?

It will be registered under your name but with "Tuntutan hak milik ...." clause attach.

anyone had experience with BSNC leasing loan before? How's their service like. Interest rates seems low

I go for BMW Credit recently, got interest 4.3 per annum, not bad consider this is a finance, not bank loan.

AEON recently got promotion for lowest (fine print hahaha) 4.5% PA for big bikes only (iinm 500cc above, limited to certain brands somemore)

seriously? which shop u went and which card u swipe? lol

Yup... Not joking...

Hiap Aik Speed Motor Enterprise Sdn. Bhd. Bought Ego LC Fi for RM6k (on the road price) March 2015. Monthly RM333.33 per month for 18 months. I used my Maybank credit card. Any Maybank credit card can be used.

Why pay RM6k cash straight away. Better to put it somewhere for short term return

This post has been edited by haturaya: Aug 20 2017, 01:02 PM

means only maybank credit card? ... look interesting.... hahaha

If my memory serves me right, yes only Maybank credit card. Not sure now. That was 3 ++ years ago.

i saw in fb... is only maybank card... perhaps should go see if have nvx... hehehe

They should have. NVX

Actually, if your cc provide zero % flexi payment, you can swap at any shop then only the credit card company will convert the amount swapped into flexi repayment. Any shop will accept

But this is totally no charge.. If u call to covert flexi payment will have a few % charges

Totally 0 charge for the conversion. U can call up your cr4edit card company to find out more.

so basically buying a car and buying a motor is different ? in term of bank loan,interest & etc etc.. im thinking to get a mt09 yamaha, able to pay 20% deposit but not sure hows the AEON credit works. my credit card credit limit not enough to swipe a 50k bike

Aeon got promo until end of nov i guess, 3.6 per annum

only certain model/brand..

What I know XMax they offered 4.5 p.a.

I think 500cc above is 3.6 p.a

Might be, I remember Honda Big Wing Setapak offer 3.8 p.a. for Honda Rebel from AEON before..

how about loan tenure ? maximum 7 years only ?