Free RM1,500*Open Moomoo AccountA Yamaha Y16ZR listed at RM13,000 with a 10% deposit over 60 months at 0.833% per month works out to about RM292.46 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 RM13,000 · 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
RM292.46
60 months · deposit RM1,300
Loan amount
RM11,700
Total interest
RM5,848
Total payable
RM17,548
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) | RM1,072.46 | RM1,170 | RM12,870 |
| 24 months (2 yr) | RM584.96 | RM2,339 | RM14,039 |
| 36 months (3 yr) | RM422.46 | RM3,509 | RM15,209 |
| 48 months (4 yr) | RM341.21 | RM4,678 | RM16,378 |
| 60 months (5 yr) | RM292.46 | RM5,848 | RM17,548 |
| 72 months (6 yr) | RM259.96 | RM7,017 | RM18,717 |
| 84 months (7 yr) | RM236.75 | RM8,187 | RM19,887 |
Based on the RM13,000 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 RM13,000 Yamaha Y16ZR over 60 months with a 10% deposit, the difference compounds:
| Route | Rate/month | Monthly | Total interest |
|---|---|---|---|
| AEON Credit HP-i (published) | 0.833% | RM292.46 | RM5,848 |
| Typical shop credit (higher band) | 1% | RM312.00 | RM7,020 |
| Higher shop credit | 1.2% | RM335.40 | RM8,424 |
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% | RM1,300 | RM341.21 | RM4,678 |
| Shopee SPayLater | 1.5% | None | RM465.83 | RM9,360 |
At RM13,000, the Yamaha Y16ZR sits above the limit most SPayLater users are given, so the full amount may not go through. Shopee does not publish a maximum limit — it is set from your repayment history at Shopee’s discretion.
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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