from
RM
167
/month
- Deposit RM 450 (5%)
- Repayment tenure 60 months
- Rate 3.50% flat p.a.
- Total charges RM 1,496
Cash price RM 8,999
Own it from RM 84 /month
- Deposit RM 225 (5%)
- Repayment tenure 60 months
- Rate 3.50% flat p.a.
- Total charges RM 748
Starting with the Modenas Kriss 110 · 110 cc
Tanuki Credit
Hire purchase governed by the Hire Purchase Act 1967
CLIENT TO SUPPLY
Work out your monthly instalment
Move the deposit and pick a tenure. The monthly figure updates as you go.
5%
· RM 225
5%
50%
A larger deposit lowers the monthly figure.
Monthly instalment
RM
84
/month
- Deposit RM 225 (5%)
- Repayment tenure 60 months
- Rate 3.50% flat p.a.
- Total charges RM 748
- Cash price
- RM 4,499
- Amount financed
- RM 4,274
- Total payable
- RM 5,247
Indicative only. Final terms subject to the financier's approval.
On the floor
from
RM
143
/month
- Deposit RM 385 (5%)
- Repayment tenure 60 months
- Rate 3.50% flat p.a.
- Total charges RM 1,280
Cash price RM 7,698
from
RM
110
/month
- Deposit RM 295 (5%)
- Repayment tenure 60 months
- Rate 3.50% flat p.a.
- Total charges RM 981
Cash price RM 5,899
Will I qualify?
The questions we are asked most, answered straight. We cannot promise an outcome — no dealer can — but we can tell you what the financier actually looks at.
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I'm self-employed with no payslip
Six months of bank statements, an EPF statement or tax records stand in for payslips. What matters is income the financier can verify and see repeated, not the form it arrives in.
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This is my first ever financing
An empty credit file is not a bad one. It means the financier leans harder on income, how long you have been in the job, and your deposit. A larger deposit does more work here than anywhere else.
-
I already have other commitments
Existing commitments count against you, they do not rule you out. The financier compares your total monthly payments to your income. A longer tenure or a bigger deposit lowers this bike's share of it.
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I'm a foreign worker with a valid permit
Some financiers on our panel accept applications on a valid work pass with enough time left to run. If none of them fit your situation we will tell you early rather than let you spend time on it.
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I defaulted on something before
A past default shows in the check, but so does its age and whether it was settled. Something cleared years ago reads very differently from something still open. Tell us up front — it changes which financier we take you to.
About the CTOS credit check
-
Every hire purchase application is checked
A CTOS check is a routine part of every hire purchase assessment in Malaysia. It is not a sign that anyone doubts you.
-
It cannot happen without your consent
No check is made until you tick the consent box and verify your mobile number. Until that moment nothing at all is recorded against your credit file.
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What happens to your data
Your information is used to assess this application and nothing else, held under the Personal Data Protection Act 2010, and you can ask for a copy or a correction at any time.
Nothing on this page is an offer or a decision. The financier assesses and decides every application.
How it works
-
Pick your bike
2 minFilter by monthly budget rather than cash price. Move the deposit and tenure until the figure fits.
-
Check eligibility
3 minYour details, your job and your income. Four stages, saved as you go, and you can stop and pick it up later.
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Your decision
Once you give consent the application is assessed and a decision usually comes back within minutes.
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Documents, then ride away
Upload your documents after the decision, sign with the financier, and collect your bike.
Where you stand legally
The financier owns the bike during the term
In a hire purchase the financier buys the motorcycle and lets it to you. Ownership passes to you when the final instalment and the ownership fee are paid. We are the dealer: we carry out the negotiation and hand over the bike, we do not lend you the money.
You get the statutory statement before you sign
Before any hire purchase agreement is entered into we serve you the written statement required by Part I of the Second Schedule to the Hire Purchase Act 1967. It sets out the cash price, the amount financed, the charges, the instalments and their dates. Read it before you sign anything.
The statutory wording in full
[LEGAL COPY — CLIENT TO SUPPLY]
Frequently asked questions
No. The calculator on this site makes no enquiry at all. A formal application does record an enquiry against your file, which is normal for any credit application and is not, by itself, an adverse entry.
Your NRIC, three months of payslips and three months of bank statements. The exact list is shown on each product page and again at the upload step.
Within one business day of you accepting the offer, to the account you nominate.
A credit officer reads it, usually within four working hours. If anything needs clarifying they will call you. You are told the outcome by email and SMS either way.
Yes, at any time. You receive a rebate on unearned profit, calculated by the rule stated in your letter of offer. There is no penalty.
Yes. We hold a moneylending licence and are a registered subscriber of CTOS Data Systems, which is what permits us to obtain a credit report with your consent.
Talk to a real person
Send a message and one of us will come back to you. This form does not start a credit enquiry.