Big Bike Financing
Let yourself to the indulgence once more

Flexible
Financing Tenure


Repayment period
up to 84 months

Low
Rates


Profit rate
at 9% per annum

Convenience


Simple & fast
application process
Documents & Requirements
Employed Self Employed
• Copy of NRIC
• Latest Salary Statement
• Latest EPF Statement (if any)		 • Copy of NRIC
• Latest 3 Months Bank Statement
• Business Registration Forms

        Basic Application Requirement
  • Malaysia citizen only
  • Above 18 years old of age.
  • In employment of 6 months above / In business of above 1 year

       Note: SHENMA Credit reserves the right to request for additionally supporting documents if necessary.

Other Features & Benefits
  • Big bike financing refers to motorcycle capacity between 200cc-500cc
  • It comes with a flexible financing period of up to 84 months
  • Enjoy the annual profit rate of 9%. • High margin of financing of 90%
  • Convenience online banking repayment • Statutory rebate on early settlement of financing.
  • No hidden cost.
Instalment Payment Channels
How do I make my monthly instalment repayment to SHENMA Credit Sdn Bhd?

We have few convenient channels to make your repayment, as listed below;

No. Channel Note
01. Internet Banking
  • Bank: AmBank
  • Beneficiary Name: SHENMA CREDIT SDN BHD
  • Select Instant Transfer/DuitNow
  • Your AmBank Collection Account No.: Get it here

  Our Transaction Fee:  Free,  Bank Charges if any still applies. 
02. AmBank
  • AmBank ATM/CDM (cash or cheque) / AmBank Branch Over-the-Counter
  • Beneficiary Name: SHENMA CREDIT SDN BHD
  • Your AmBank Collection Account No.: Get it here

   Our Transaction Fee:  Free,  Bank Charges if any still applies. 
03. ATM Transfer
  • Bank account holder’s bank ATM
  • Beneficiary Name: SHENMA CREDIT SDN BHD
  • Your AmBank Collection Account No.: Get it here

   Our Transaction Fee:  Free,  Bank Charges if any still applies. 
04. x-Kiosk. A self service kiosk for bill payment.
  • The kiosk accept cash, credit card / debit card and e-wallet (Touch n Go) as payment. Key in your financing agreement  or vehicle registration number and make your payment. A small service fee is chargeable to each transaction, as listed below. Collect and keep the payment receipt as reference. Payment via X-Kiosk is realtime and your financing will be repaid as long as you complete your payment.
  • Service Fees
    No Payment Mode Service Fees
    1. Cash RM1.00
    2. Credit Card/Debit Card RM3.00
    3. eWallet (TnG) RM3.00
    x-Kiosk locations
05. Pay@Merchant
  • The service is available at SHENMA Credit appointed motorcycle shop; you can find it at shenmacredit.com.my/merchants with the indicative symbol “$$$” at the shop name.
  • At the shop counter, provide your financing agreement or vehicle registration number and make your payment. Collect and keep the payment receipt as reference. Payment is realtime and your financing will be repaid as long as you complete your payment.

  Our Transaction Fee:  Free,  Bank Charges if any still applies. 
06. SHENMA Mobile
  • Register for SHENMA Mobile and repay your financing using FPX online banking or TnG eWallet.
  • For registration instruction, please visit shenmacredit.com.my/shenma-mobile.

  Our Transaction Fee:  Free,  Bank Charges if any still applies. 
07. JomPAY   To make your payment using JomPAY:
  1. Logon to your Internet or Mobile Banking and select JomPAY
  2. Choose Biller Code: 199430 (Shenma Credit Sdn Bhd)
  3. Input Ref-1 : 12-Digits Agreement Number
  4.           Ref-2 : Your handphone number 
  5. Enter the payment details and confirm payment

  Our Transaction Fee:  Current / Savings Account - RM0.50; Credit Card - RM 1.50

08.
DuitNow AutoDebit		 With DuitNow AutoDebit, you only need to make a one time consent to allow us to collect your financing repayments on a recurring monthly basis from your Current Account / Savings Account (CASA) or Credit Card (CC).

How to apply for DuitNow AutoDebit
• The customer must have an online banking account.
• Upon taking up financing, SHENMA Credit will make a request for the consent registration indicating the bank and the bank account for deduction.
• Customer will be prompted at Customer's selected bank, Online Banking.
• Customer to approve the consent at Customer's selected Bank, Online Banking following the procedure of the selected Bank.
• Upon successful approval, SHENMA Credit would then be authorized to raise monthly debit request for any due and payable amount. If the financing account do not has any due and payable amount or has excess balance, debit request will not be raised.


This service is currently available to account holders of;
1.    Bank Muamalat
2.    Bank Islam
3.    AmBank
We will update the participating banks list from time to time as more banks join DuitNow AutoDebit service.

Our Transaction Fee:  Enrolment Fee:  RM0.20,     AutoDebit Fee:  RM 1 (CASA) & RM2 (CC).

We may expand more repayment channel in future, please get the update from time to time at our website; www.shenmacredit.com.my

Note: Please always quote your financing account number correctly and keep the receipt or record whenever you made the payment.
Product Disclosure Sheet
Kindly download Our Product Disclosure Sheet here.