Cash? Loan? Credit card?

I noticed motorbike loan mostly from AEON and is sibeh taik punya interest. Has anyone bought using credit card before?

Ayam looking at less than 20k bike, so maybe 5k down payment and the rest credit card and settle within a year. Got any easy payment plan? Can ah?

Some shops have CC machine and can do 0% interest installment. but u go ask those kedai la..

Naiseeee I guess have to physically go ask la
Otherwise online almost everyone keep pushing for AEON loan wtf, I guess they probably get some commission kot

i tot all /k 20 a month? no need epp lohh

kedai ada installment kan? tengok awak bagaimana settle je

spaylater

loan kedai is oso normal

Of course, they get to mark up the bike's price.

kesian.

please work hard and reduce time sosial media.

bought a rm9k bike before using aeon credit with rm1 down-payment several years ago. the loan is for 5 years. when I calculate the interest is very high (if u follow the payment schedule). After 5 months get my bonus & paid lump sum. if I'm not mistaken I did save about rm6k+ when I reduced the loan tenure from 60 months to just 6 months.

the only good thing about aeon credit for me is just rm1 down payment (no need to fork out too many cash). then u just need to pay more every month. don't follow the schedule. just pay x3 or x4 of the installment if u can afford it. in the end, its way more cheaper than *loan kedai* (with many hidden costs + vague interest calculation).

Loan kedai is how? With the shop? Monthly pay cash? How does it work actually?

That's why dowan AEON loan, because after calculation you pay almost double kot

Cash.. never eber go with Aeon
Loan kedai interest lagi tinggi, usually for blacklist people or problem to get normal loan approved

This post has been edited by darkLapland: Oct 25 2021, 02:42 PM

yup..this is far normal compared to aeoncredit

got mine with cash. If u want to slowly pay with cc also can but it depends on the shop and card

kedai is the creditor

monthly online transfer/cash to kedai. lower interest rate than aeon too

loan kedai require high DP to lower the risk

any motoshop will charge u 2% if u using card. this one konfem. only cash will save u from riba

yes. this is true. even though BNM said cannot charge the 2%, 10/10 kedai motor u go will charge u the 2% transaction fee. lol

Thought 2% supposed illegal? Lol

their shop, their rights