Game Now.
Pay Later.

No, a credit card is not required. AEON Credit Financing is approved directly through EMARQUE as an appointed AEON Credit Merchant, with tenures from 6 to 36 months. AhaPay, Shopee SPayLater, PayLater by Grab, and Atome are also card-free Buy Now Pay Later (BNPL) options that run on your account limits with each provider. Credit card instalment from 15 Malaysian banks is also available if you prefer that route.

We support credit card instalment from 15 Malaysian banks: Maybank, Public Bank, AEON Credit Card, CIMB, AmBank, Affin, Alliance, BSN, Citibank, Hong Leong, RHB, HSBC, Standard Chartered, OCBC, and UOB. Pick tenures of 6, 12, 18, 24, or 36 months at checkout. American Express (AMEX) instalment is also accepted for in-store purchases.

Yes — a one-time processing fee applies for the instalment facility. Exact amount depends on your chosen tenure and card-issuing bank, confirmed by our sales team and included in your payment link total before you commit. No hidden charges. AEON Credit Financing, AhaPay, and Atome BNPL are separate products with their own terms disclosed by the partner before approval.

AEON Credit Financing costs depend on your approved tenure (6 to 36 months) and credit profile, set by AEON’s underwriting at application time. Your monthly payment and total cost are disclosed during the application and you can decline before committing. WhatsApp us on +6014 398 1914 to walk through your specific case, or see AEON’s published terms at aeoncredit.com.my before applying.

Credit card instalment is instant — your card-issuing bank confirms the instalment plan in real-time based on your available credit limit when you pay. Shopee SPayLater is instant and selectable directly at our online checkout if your account is active. AhaPay, PayLater by Grab, and Atome are also instant if your account is in good standing — our sales team sends you a payment link configured for your chosen method. AEON Credit Financing typically takes 5–7 working days subject to AEON’s review and provided all documentation is complete and verifiable. For high-priority builds, we will fast-track communication with AEON on your behalf.

It depends on the method. Credit card instalment has no fixed maximum, your card limit applies. AEON Credit Financing for a PC purchase is underwritten against your income, current liabilities and debt-service-ratio rules — final amount and approval rest with AEON. AhaPay is capped at RM 3,500. Atome is typically RM 3,000 (debit) to RM 5,000 (credit). PayLater by Grab depends on your Grab account limit. For larger builds (RM 10K+), we can structure split payments across multiple methods to meet your total amount — see the combining-methods question below.

Yes — AEON Credit Financing accepts self-employed applicants per its published criteria: Malaysian citizen aged 18 to 65, at least 1 year in current business, and minimum monthly net pay of RM 1,000. Required documents include business registration (SSM / ROC / ROB), front and back of NRIC, and latest 3 months of company bank statements. Gig workers and freelancers without formal business registration generally don’t qualify under AEON’s Objective Financing — talk to us before applying so we can flag the best route for your situation. Credit card holders can use instalment plans regardless of employment status. Shopee SPayLater, Atome, AhaPay, and PayLater by Grab all run on your existing account limit, so employment is not directly assessed.

AEON Credit’s Objective Financing requirements depend on employment type. Salaried applicants: front and back copy of NRIC (MyKad), 1 month proof of income OR EPF statement, and your latest bank statement. Self-employed applicants: front and back copy of NRIC, Business Registration Form (SSM / ROC / ROB), and latest 3 months of company bank statements. All applicants must be Malaysian citizens aged 18 to 65, with an active mobile number and one contactable referee. Salaried applicants need a minimum 6 months in current employment and minimum monthly gross income of RM 1,300; self-employed applicants need at least 1 year in current business with minimum monthly net pay of RM 1,000. Our team checks documents before submission to AEON to maximize first-pass approval.

Yes, every PC configurable on our custom builder at build.emarque.co qualifies for the same six financing methods listed on this page. Once your build is finalised and you check out via the EMARQUE storefront, choose your financing method at the cart. For custom builds over RM 10,000 we typically recommend AEON Credit Financing (longest tenure) or credit card instalment from 15 supported Malaysian banks.

Yes — you can combine multiple financing methods to meet your total amount. For example, part of the build paid via AEON Credit Financing and the balance via credit card instalment, or any other mix across our six methods. This works well for higher-value builds (RM 10K+) where you want to maximise instalment tenure on one portion while keeping the deposit smaller and faster to process. WhatsApp us on +6014 398 1914 and our sales team will structure the split — typically 15 minutes to confirm the breakdown and generate the payment links.

Both work. WhatsApp us on +6014 398 1914, walk into our HQ, or visit our Johor Bahru or Penang collection points. Our sales team confirms your configuration, applies the one-time processing fee, and sends a secure payment link via WhatsApp or email — you pay with any of our 15 supported banks’ credit cards from anywhere. AMEX is accepted for in-store payment only. Once you pay, your card-issuing bank confirms the instalment tenure with you directly.