Credit Plus - myIOU myIOU Credit Plus - myIOU
INCREASE your myIOU credit limit up to RM10,000 today!
We understand that sometimes things cost a bit more. With myIOU's Credit+, you can now buy more while still paying absolutely ZERO interest!

Upgrade to

RM3,500

In myIOU app, submit:

Latest one (1) month full income crediting bank statement

Latest one (1) proof of residential address (Eg: Utility bill or proof of delivery with valid shipping address from any E-commerce platform)

Upgrade to

RM10,000

In myIOU app, submit:

Latest one (1) month full credit card statement

Latest one (1) month full income crediting bank statement

Latest one (1) proof of residential address (Eg: Utility bill or proof of delivery with valid shipping address from any E-commerce platform)

  1. Only consumer who has signed up for myIOU is eligible to apply for Credit+.
  2. Application made before 12pm will be processed on same business day and application made after 12pm will be processed by next business day.
  3. Terms & conditions apply.

Why choose myIOU?

Flexible monthly payments

Split your purchase into 2, 3 or 6 monthly payments¹.

Absolutely 0% interest

Only pay the exact amount of what you purchase².

Instant credit approval of RM1,000

Get up to RM1,000 credit instantly after registration³.

Pay with Debit or Credit Card

Your bind card will be charged automatically every month.

Learn more

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

2. Late payment fees of MYR5 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 2 business days.

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