iPhone X from RM185/month

Looking for the easiest way to own iPhone? With U MicroCredit, you can take home
iPhone X from as low as RM185/month, no deposit or credit card required!

Low monthly instalments
Easy to apply
Flexible repayment tenure of up to 36 months
No deposit, no collateral, no credit card required
Attractive interest rates

Choose your loan amount

With U MicroCredit, you decide how much you want to borrow.
Take a full loan, or get a partial one and pay for the balance via cash or credit card.

U MicroCredit

  • Full loan
  • Pay the entire device price via U MicroCredit
  • Monthly repayment from as low as RM62

Flexi U MicroCredit

  • Partial loan
  • Borrow between RM1,000 - RM5,250 and pay the balance via cash or credit card
  • Monthly repayment from as low as RM48

How to apply

Fill in the application form and submit the required documents.

Wait for the confirmation SMS.

Complete your payment and collect your iPhone at the appointed location.

Note:
Applications are subject to receipt of complete documentation required. You will be informed about the status of your application once processing is complete.
Applicants are also required to submit one (1) contactable referee who is not staying with them in the application form.
The above does not constitute an offer of credit. All applications are subject to credit evaluation.
Check the status of your application here.

Amount due upon registration

Select Phone Model
-
Device price RM2925.60
Select Loan Amount
-
For a complete loan, please choose Full Financing.
Select Repayment Tenure
-
Total amount due:
RM2661.40

Monthly repayment

Select Plan
-
iPlan fee
(after rebate)
RM60.00
U MicroCredit
instalments
RM31.80
Total monthly
repayment
RM91.80

Self-Employed


  • Identification card
  • Bank statement showing name AND account number from banks listed below *
  • Business registration form
  • Form B and tax payment receipt OR bank statement showing 6 months transaction

Employed

Monthly Repayment Amount: RM160 and below

  • Identification card
  • Bank statement showing name AND account number from banks listed below *

Monthly Repayment Amount: Above RM160

  • Identification card
  • Bank statement showing name AND account number from banks listed below *
  • Latest one month salary slip
  • Latest 3 months EPF statement OR bank account showing monthly salary

* List of banks for auto debit


  • Malayan Banking Berhad
  • AmBank (M) berhad
  • CIMB Bank Berhad
  • Bank Muamalat Malaysia Berhad
  • Alliance Bank Malaysia Berhad
  • Public Bank Berhad
  • RHB Bank Berhad
  • Standard Chartered Bank
Document Description Employed Self-Employed
Monthly Repayment Amount RM160 and below Above RM160
Identification card
Bank statement showing name AND account number from banks listed below *
Latest one month salary slip
Latest 3 months EPF statement OR bank account showing monthly salary income
Business Registration Form
Form B and Tax Payment Receipt OR bank statement showing 6 months transaction
* List of banks for auto debit
  • Malayan Banking Berhad
  • AmBank (M) berhad
  • CIMB Bank Berhad
  • Bank Muamalat Malaysia Berhad
  • Alliance Bank Malaysia Berhad
  • Public Bank Berhad
  • RHB Bank Berhad
  • Standard Chartered Bank

Credit Provider:
-
Select Bank:
-
Select Bank:
-
Maybank
Payment methods
  • Auto debit
  • Internet banking
  • Cash deposit machine
  • Over-the-counter
  • Inter-bank GIRO
Public Bank
Payment methods
  • Auto debit
  • Internet banking
  • Cash deposit machine
  • Over-the-counter
  • ATM
  • Cheque deposit terminal
  • Inter-bank GIRO
RHB
Payment methods
  • Auto debit
  • Over-the-counter
  • Inter-bank GIRO
AmBank Group
Payment methods
  • Auto debit
  • Internet banking
  • Over-the-counter
  • Cheque deposit machine
  • Inter-bank GIRO
Alliance Bank
Payment methods
  • Auto debit
  • Internet banking
  • Cash deposit machine
  • Over-the-counter
  • ATM
  • Cheque deposit machine
  • Inter-bank GIRO
Bank Muamalat
Payment methods
  • Auto debit
  • Over-the-counter
  • Inter-bank GIRO
Standard Chartered
Payment methods
  • Auto debit
  • Over-the-counter
  • Inter-bank GIRO
AEON
Payment methods
  • Over-the-counter
CIMB Bank
Payment methods
  • Auto debit
  • Internet banking
  • Cash deposit machine
  • Over-the-counter
  • Cheque deposit terminal
Bank Islam
Payment methods
  • Auto debit
Bank Rakyat
Payment methods
  • Auto debit
Bank of America Merrill Lynch
Payment methods
  • Auto debit
Citibank
Payment methods
  • Auto debit
Deutsche Bank
Payment methods
  • Auto debit
Hong Leong Bank
Payment methods
  • Auto debit
HSBC
Payment methods
  • Auto debit
J.P.Morgan
Payment methods
  • Auto debit
Maybank
Payment methods
  • Auto debit
OCBC Bank
Payment methods
  • Auto debit
Public Bank
Payment methods
  • Auto debit
RHB
Payment methods
  • Auto debit
Standard Chartered
Payment methods
  • Auto debit
JCL
Payment methods
  • Over-the-counter

iPhone X dari RM185/sebulan

Mencari cara termudah untuk memiliki iPhone? Dengan U Microcredit, anda boleh membawa pulang iPhone X dari harga serendah RM185 sebulan, tiada deposit atau kad kredit diperlukan!

Ansuran bulanan yang rendah
Mudah untuk memohon
Pembayaran balik fleksibel sehingga 36 bulan
Tiadadeposit, tiada cagaran, Tiada kad kredit diperlukan
Kadar faedah menarik

Pilih jumlah pinjaman anda

Dengan U MicroCredit, anda boleh memilih jumlah yang anda mahu pinjam.
Pilih antara pinjaman penuh atau separa pinjaman dan bayar baki pinjaman menggunakan wang tunai atau kad kredit.

U MicroCredit

  • Pembiayaan penuh
  • Bayar jumlah peranti sepenuhnya menggunakan U MicroCredit
  • Pembayaran bulanan serendah RM62 sebulan

Flexi U MicroCredit

  • Separa pinjaman
  • Pinjam antara RM1,000 – RM5,250 dan bayar baki menggunakan wang tunai atau kad kredit
  • Pembayaran bulanan serendah RM48

Cara memohon

Isi borang U MicroCredit dan muat naik salinan dokumen yang diperlukan.

Anda akan menerima emel/SMS kelulusan permohonan.

Kunjungi kami di lokasi temujanji pilihan anda. iPhone anda boleh diambil selepas bayaran dibuat.

Nota:
Permohonan hanya akan diproses setelah dokumen yang diperlukan diterima. Anda akan dimaklumkan status permohonan anda setelah ia diproses.
Pemohon juga harus memberi nombor seorang penjamin yang boleh dihubungi yang tidak tinggal bersama pemohon.
Pinjaman U MicroCredit dan Flexi U MicroCredit tidak bukan tawaran kredit. Semua permohonan tertakluk pada penilaian kredit.
Periksa status permohonan anda disini.

Jumlah yang perlu dijelaskan ketika pendaftaran

Pilih Model Telefon
-
Harga peranti ialah RM2925.60
Pilih Jumlah Pinjaman
-
Bagi pinjaman sepenuhnya, sila pilih Pembiayaan Penuh.
Pilih Tempoh Bayaran Balik
-
Jumlah yang perlu dibayar:
RM2661.40

Bayaran Bulanan

Pilih Pelan
-
Yuran bulanan iPlan
(selebas rebat)
RM60.00
Ansuran Bulanan
U Microcredit
RM31.80
Jumlah bayaran
bulanan
RM91.80

Bekerja Sendiri


  • Kad Identifikasi
  • Penyata bank yang menunjukkan nama DAN nombor akaun daripada senarai bank di bawah *
  • Borang Pendaftaran Perniagaan
  • Borang B dan Resit Pembayaran Cukai ATAU penyata bank yang menunjukkan transaksi selama 6 bulan

Bekerja

Jumlah bayaran bulanan: RM160 dan kebawah

  • Kad Identifikasi
  • Penyata bank yang menunjukkan nama DAN nombor akaun daripada senarai bank di bawah *

Jumlah bayaran bulanan: Lebih RM160

  • Lebih RM160
  • Penyata bank yang menunjukkan nama DAN nombor akaun daripada senarai bank di bawah
  • Slip gaji sebulan terbaru
  • 3 bulan penyata EPF terbaru atau akaun bank yang membuktikan kemasukan gaji bulanan

* Senarai bank untuk tujuan auto debit


  • Malayan Banking Berhad
  • AmBank (M) berhad
  • CIMB Bank Berhad
  • Bank Muamalat Malaysia Berhad
  • Alliance Bank Malaysia Berhad
  • Public Bank Berhad
  • RHB Bank Berhad
  • Standard Chartered Bank
Huraian Dokumen Bekerja Bekerja Sendiri
Jumlah bayaran bulanan Jumlah bayaran bulanan Lebih RM160
Kad Identifikasi
Penyata bank yang menunjukkan nama DAN nombor akaun daripada senarai bank di bawah *
Slip gaji sebulan terbaru
3 bulan penyata EPF terbaru atau akaun bank yang membuktikan kemasukan gaji bulanan
Borang Pendaftaran Perniagaan
Borang B dan Resit Pembayaran Cukai ATAU penyata bank yang menunjukkan transaksi selama 6 bulan
* Senarai bank untuk tujuan auto debit
  • Malayan Banking Berhad
  • AmBank (M) berhad
  • CIMB Bank Berhad
  • Bank Muamalat Malaysia Berhad
  • Alliance Bank Malaysia Berhad
  • Public Bank Berhad
  • RHB Bank Berhad
  • Standard Chartered Bank

Credit Provider:
-
Pilih Bank:
-
Pilih Bank:
-
Maybank
Penyedia Perkhidmatan Kredit
  • Debit Automatik
  • Perbankan Internet
  • Mesin Deposit Tunai
  • Perkhidmatan di Kaunter
  • GIRO antara bank
Public Bank
Cara bayaran
  • Debit Automatik
  • Perbankan Internet
  • Mesin Deposit Tunai
  • Perkhidmatan di Kaunter
  • ATM
  • Terminal deposit cek
  • GIRO antara bank
RHB
Cara bayaran
  • Debit Automatik
  • Perbankan Internet
  • GIRO antara bank
AmBank Group
Cara bayaran
  • Debit Automatik
  • Perbankan Internet
  • Perkhidmatan di Kaunter
  • Terminal deposit cek
  • GIRO antara bank
Alliance Bank
Cara bayaran
  • Debit Automatik
  • Perbankan Internet
  • Mesin Deposit Tunai
  • Perkhidmatan di Kaunter
  • ATM
  • Terminal deposit cek
  • GIRO antara bank
Bank Muamalat
Cara bayaran
  • Debit Automatik
  • Perkhidmatan di Kaunter
  • GIRO antara bank
Standard Chartered
Cara bayaran
  • Debit Automatik
  • Perkhidmatan di Kaunter
  • GIRO antara bank
AEON
Cara bayaran
  • Perkhidmatan di Kaunter
CIMB Bank
Cara bayaran
  • Debit Automatik
  • Perbankan Internet
  • Mesin Deposit Tunai
  • Perkhidmatan di Kaunter
  • Terminal deposit cek
Bank Islam
Cara bayaran
  • Debit Automatik
Bank Rakyat
Cara bayaran
  • Debit Automatik
Bank of America Merrill Lynch
Cara bayaran
  • Debit Automatik
Citibank
Cara bayaran
  • Debit Automatik
Deutsche Bank
Cara bayaran
  • Debit Automatik
Hong Leong Bank
Cara bayaran
  • Debit Automatik
HSBC
Cara bayaran
  • Debit Automatik
J.P.Morgan
Cara bayaran
  • Debit Automatik
Maybank
Cara bayaran
  • Debit Automatik
OCBC Bank
Cara bayaran
  • Debit Automatik
Public Bank
Cara bayaran
  • Debit Automatik
RHB
Cara bayaran
  • Debit Automatik
Standard Chartered
Cara bayaran
  • Debit Automatik
JCL
Cara bayaran
  • Perkhidmatan di Kaunter

Get iPhone X from RM 167/month

With UPackage instalment plan

Learn More

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