Buy Now Pay Later with myIOU

Shop for what you want, when you want, without breaking the bank. Split your purchases into affordable monthly instalments (up to 6 months) with ZERO interest to pay!

With myIOU, you can always ‘buy now’ and ‘pay later’.
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Registration Requirement

Paying Instalments has never been easier

ZERO Interest

Split your payment into 2, 3 or 6 months¹ upon checkout with absolutely 0% interest.²

0% interest
instant approval

Instant credit approval up to RM1,000

Complete the registration and get instant credit approval up to RM1,000 and as high as RM10,000 with myIOU Credit+

Pay with Debit or Credit Card

Payment will be automatically charged to your card every month. Just sit back, relax and enjoy your purchase.
Debit Card

 1. Tenure for instalment plan is predetermined by respective merchants.

 2. Late payment fees of RM5 or 1% on outstanding amount (whichever higher) will be incurred for overdue payment.

3. Instant approval of RM1,000 credit limit will be granted between 9am – 10pm (including Sat, Sun & public holidays). Credit limit will be RM0 between 10pm-9am and will be approved within 48 hours. Subject to terms & conditions.

How myIOU Works


Select myIOU when shopping online or scan QR code with myIOU app at in-store merchants.


Confirm transaction details and complete your initial payment*. Remaining balance of total purchase will be split into monthly instalments.


Your card binded to myIOU will be charged automatically every month for the remaining instalments.


myIOU Credit+
Need more credit limit?
Sign-up for myIOU Credit+ today to increase credit limit up to MYR10,000 !
Up To


In myIOU app, submit:
Up To


In myIOU app, submit:

*myIOU Credit+ is only for existing myIOU consumer.
**Request made before 12pm will be processed on same business day and request made after 12pm will be processed by next business day. Subject to terms & conditions.

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