|Package||Profit Rate||Maximum Loan Margin|
|Small Bike Financing (<200cc)||10% p.a.||90%|
|Big Bike Financing (200 – 500cc)||9% p.a.||90%|
|Super Bike Financing (>501cc)||8% p.a.||90%|
We have made available multiple convenient payment channels for you to make your monthly repayment, please visit www.shenmacredit.com.my/how-to-pay for more information.
A police report shall be made in the event of theft, accidental damage etc. within the next 24 hours. Prepare the following document and submit to your insurance agent;
01.Obtain and fill in the insurance claim form from the relevant insurance company.
02. Prepare the following documents:
- Copy of NRIC
- Copy of valid license
- Original copy of road tax
- Original copy of police report
- Copy of vehicle registration card / Vehicle Ownership Certificate
- Copy of insurance cover note
- Copy of Hire Purchase Agreement
Note: Even the motorcycle has been stolen or damage, you have to serve the monthly instalment or any outstanding balance, if any.
Q: Can I download and registered to SHENMA Mobile once I collected my motorcycle from the merchant?A: Yes, after your motorcycle loan account has been activated in two weeks.
Q: How to get my motorcycle loan agreement number?A: The SHENMA Credit Islamic Hire Purchase Agreement will be posted to you via registered mail. You will find your loan agreement number at the top right corner of the Agreement. OR you may contact us at email@example.com.
Q: Can I use either SHENMA Mobile or the Customer Portal?A: Yes.
Q: Any specific mobile phone that are not allowed to use SHENMA Mobile?A: Any mobile devices that are operating in Apple iOS, Android 6.0 and above or HarmonyOS, will be able to use SHENMA Mobile.
Q: If I do not have a mobile phone, how can I access to my loan account?A: You can manage your loan account using our customer portal at https://e-shenma.com.my/portal/
Q: How to update my personal profile with SHENMA Credit if the information has changed?A: You can update your personal details at SHENMA customer portal at https://e-shenma.com.my/portal/
Q: How to change my 6 digits PIN?A: You can delete the device in “My Devices” on SHENMA Mobile or uninstall and then re-install the SHENMA Mobile application for that purpose.
Q: How can I check the payment made to my loan account?A: Your payment will be listed in details in your loan account which includes any payment made from Online Bank Transfer, ATM, Payment at Merchant and X-Kiosk
Q: How can I reset my forgotten password?A:
- Login to our customer portal (https://e-shenma.com.my/portal/) and enter your username.
- Confirm your security image and security phrase.
- Click “ Forgotten your password” link.
- Re-enter your username.
- An OTP will be send to your mobile phone.
- Reset your password.