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

loan kedai is oso normal

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).

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

If settle 1 year might as well save up and buy your bike next year. No different 1 year

Go to shopee, find bike shop nearest to you (for self pick-up) that offer 0% interest. you could get max 18 months zero interest from Maybank

Find boss James.

Can ask the seller itself how, I'm not too sure how.

But these sellers got good rating so don't think they out to cheat you.

Here's example:
https://s.lazada.com.my/s.WvRkn

Modified

https://s.lazada.com.my/s.WvjBb

I thought once you establish credit history... If credit score good, they give smoll interest? No meh?

Fuck.
Anyway I bought mine on loan with aeon.

5 years @rm682