Small Bike Financing
Your next destination begins here

Flexible
Loan Tenure


Repayment period
up to 60 months

Profit
Rate


Profit rate
at 10% 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 Requirements
  • Malaysia citizen only
  • Above 18 years of age
  • In employment of  above 6 months  /  In business of above 1 year
        Note: SHENMA Credit reserves the right to request for additional supporting documents if necessary.
Other Features & Benefits
  • Small bike financing are refers to motorcycle capacity below 200cc.
  • It comes with a flexible financing period of up to 60 months.
  • Minimum downpayment of 10% • High margin of financing of 90%
  • Convenience online banking repayment • Statutory rebate on early settlement of loan.
  • 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 loan 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 loan 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 loan agreement  or vehicle registration number and make your payment. Collect and keep the payment receipt as reference. Payment is realtime and your loan will be repaid as long as you complete your payment.

   Our Transaction Fee:  Free,  Bank Charges if any still applies.

06. 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

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 loan account number correctly and keep the receipt or record whenever you made the payment.
Product Disclosure Sheet
Kindly download Our Product Disclosure Sheet here.