Free RM1,500*Open Moomoo AccountA SM Sport 110E listed at RM4,000 with a 10% deposit over 60 months at 0.833% per month works out to about RM89.99 per month. Adjust the deposit, rate and tenure below to match your own offer — or switch to Shopee SPayLater for 0% deposit, with the 1 and 3-month plans at 0% interest.
Enter your deposit, rate and tenure to see the monthly instalment.
Hire purchase through a licensed financier is cheaper, but needs income documents and a credit assessment.
Listed on Shopee at RM4,000 · August 2026. Edit if your dealer quoted a different price.
AEON Credit finances up to 90% for qualified applicants (10% deposit).
Motorcycle financing in Malaysia is quoted per month, not per year.
Monthly instalment
RM89.99
60 months · deposit RM400
Loan amount
RM3,600
Total interest
RM1,799
Total payable
RM5,399
Seller confirms final spec, registration status and delivery.
Flat-rate hire purchase: total interest = loan amount x monthly rate x months. Estimate only — the financier's final offer depends on your credit assessment.
| Tenure | Monthly | Total interest | Total payable |
|---|---|---|---|
| 12 months (1 yr) | RM329.99 | RM360 | RM3,960 |
| 24 months (2 yr) | RM179.99 | RM720 | RM4,320 |
| 36 months (3 yr) | RM129.99 | RM1,080 | RM4,680 |
| 48 months (4 yr) | RM104.99 | RM1,439 | RM5,039 |
| 60 months (5 yr) | RM89.99 | RM1,799 | RM5,399 |
| 72 months (6 yr) | RM79.99 | RM2,159 | RM5,759 |
| 84 months (7 yr) | RM72.85 | RM2,519 | RM6,119 |
Based on the RM4,000 price listed on Shopee as at August 2026. Rate band from AEON Credit Motorcycle Financing HP-i. Source: AEON Credit.
“Loan kedai” is credit arranged by the motorcycle shop itself rather than a licensed financier. It is often faster to approve, but the rate is quoted per month and is usually higher. On a RM4,000 SM Sport 110E over 60 months with a 10% deposit, the difference compounds:
| Route | Rate/month | Monthly | Total interest |
|---|---|---|---|
| AEON Credit HP-i (published) | 0.833% | RM89.99 | RM1,799 |
| Typical shop credit (higher band) | 1% | RM96.00 | RM2,160 |
| Higher shop credit | 1.2% | RM103.20 | RM2,592 |
AEON Credit rate is published (source: AEON Credit). The shop-credit rows are illustrative comparison rates, not quotes — always ask any shop for its rate per month in writing before signing.
Yes, if the amount fits within your SPayLater limit. SPayLater is far easier to qualify for — a MyKad, age 18 to 65, and no payslip or CCRIS check — which is why it is the realistic route for buyers who cannot clear a financier’s credit assessment. The trade-off is the rate: 1.5% per month against 0.833% per month on hire purchase. Compared over 48 months, the SPayLater maximum:
| Route | Rate/month | Deposit | Monthly | Total charge |
|---|---|---|---|---|
| Hire purchase (AEON Credit HP-i) | 0.833% | RM400 | RM104.99 | RM1,439 |
| Shopee SPayLater | 1.5% | None | RM143.33 | RM2,880 |
SPayLater terms source: Shopee Malaysia Help Centre, verified August 2026. Plans of 18 months and above are offered to selected users, with a minimum spend of RM1000 on the 36 and 48-month plans. Late payment charge is RM10 or the bill amount, whichever is lower. The 1-month plan carries no profit-rate charge.
Source: AEON Credit Motorcycle Financing HP-i, verified August 2026.
Quote in 2 minutes. Road tax included. Buy Now Pay Later — no upfront lump sum.
| Instalment plan | You pay |
|---|---|
| Pay in 3 months | RM167/month |
| Pay in 6 months | RM84/month |
| Pay in 12 months | RM42/month |
Based on RM500 policy · no pre-selection required
*Instalment via BNPL providers at checkout. Prices vary by vehicle, NCD, and region.
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