Two million Malaysians cannot all be wrong

Spend a few minutes chatting with riders at a mamak, outside an office, at a petrol station, basically anywhere and surely you will quickly hear someone bringing up AEON Credit’s Motorcycle Financing (HP-i) in a conversation. How can you not? AEON says two million Malaysians have used it to purchase their two wheelers.

From daily commuters to food delivery riders and weekend tourers, Motorcycle Financing (HP-i) has become one of the most popular ways to own a motorcycle in Malaysia, especially for those who want a Shariah-compliant option.

Now, AEON is taking the same idea and pairing it with something very modern: a fully digital way to unlock that financing without stepping into a branch or digging through old files for documents. It is called FinPlus, and it sits inside the AEON Wallet app in your phone.

Put together, Motorcycle Financing (HP-i) and FinPlus form a simple story. One product helps you get the bike you need, the other makes the whole process a lot less ‘leceh’.

Motorcycle Financing (HP-i)

A familiar name for two million riders

For years, AEON Credit Service has been one of the go-to names for motorcycle ownership in Malaysia. The Motorcycle Financing (HP-i) product is designed for riders who want predictable monthly payments and a Shariah-compliant structure that aligns with their values.

Instead of juggling personal loans or dipping into hard-earned savings, riders can spread out the cost of a new bike in a way that fits their income. Whether it is your first kapchai to get to work, a scooter to battle city traffic, or a bigger bike for inter-state trips, HP-i is built to cater to different types of riders and budgets.

The fact that it has already supported around two million riders is not just a marketing line. It signals something more important: trust. People have tested this product in real life, across different jobs and income levels, and it has become part of the everyday ownership journey for many Malaysian bikers.

Meet FinPlus

Access Motorcycle Financing without stepping into a branch

Traditionally, applying for financing means filling up paperwork, planning a trip to a branch, collecting physical documents, and waiting for calls or messages. FinPlus aims to strip away most of that hassle.

FinPlus lives inside the AEON Wallet Malaysia app. Instead of walking into an ACS branch, you open the app, tap a few times, and let the system do the heavy lifting in the background. No physical forms, no printing out payslips just to scan them again.

Here is how the flow works, based on the FinPlus journey in the app:

1. Download AEON Wallet
   Start by downloading the AEON Wallet Malaysia app and heading to the My Finance tab. This is where FinPlus sits together with other AEON financial services.
2. Complete e-KYC once
   If you have already done e-KYC (an online process for digitally verifying a customer's identity,) on AEON Wallet, this step is skipped. If not, you verify your identity digitally in the app. No counter, no queue number.
3. Fill out your details
   You only need to provide key information such as your gross and net monthly salary, then tap Submit. AEON uses this info to understand your affordability and risk profile.
4. Get your tier and credit limit in about 5 minutes
   This is where FinPlus becomes interesting. Instead of waiting days, you can receive a tier and conditional credit limit in as little as 5 minutes. Once that is done, you know instantly what range of products and financing amounts are open to you, including Motorcycle Financing (HP-i).
5. Apply for your desired product
   With your conditional credit limit ready, you can pick from eligible products, as long as they fit within that limit, and apply before the offer expires. That includes HP-i for motorcycle ownership, all without printing a single document or visiting an ACS branch.

Why this combo matters for riders

Pairing Motorcycle Financing (HP-i) with FinPlus does not just make the journey more digital. It changes how riders can plan their upgrades and purchases.

• You know your options upfront
  Instead of going to a shop, falling in love with a bike, then only discovering whether you qualify, FinPlus lets you see your credit limit first. You walk into the dealership already knowing roughly what you can afford.
• Less friction for gig workers and busy riders
  Many riders juggle long shifts and multiple jobs. Taking time off just to visit a branch can mean losing income. With FinPlus, most of the process happens on your phone, in between deliveries or during a quick break.
• Shariah-compliant peace of mind
  For riders who specifically look for Islamic financing, HP-i checks that box. You get the reassurance that the structure follows Shariah principles, without having to compromise on convenience or speed.
• A familiar name with a more modern process
  AEON’s motorcycle financing has been around long enough to earn real-world credibility. FinPlus simply gives that existing product a digital front door.

A more practical way to get on two wheels

In a time when many things are getting more complicated, buying a bike can feel like a big decision. Having a financing product that has already served around two million riders, and that is Shariah-compliant on top of that, can make the choice a little easier.

FinPlus adds another layer of practicality. You get to check your eligible credit limit and explore the range of motorcycle financing options available to you directly from your AEON Wallet, allowing you to plan your motorcycle purchase in advance, with minimal paperwork and no visit to a branch at this stage.

This early visibility helps you plan with more confidence before proceeding with your Motorcycle Financing (HP-i) application through the appropriate channels

If you are already thinking about your next motorcycle, or you know your current one is reaching the end of its useful life, this combination is worth a look. Update or download the AEON Wallet app, tap into FinPlus, and see what kind of financing options open up for you. Then all that is left is to choose the bike that will carry you through your next chapter on the road.