Buy Now Pay Later NO Interest 0% Same Day Delivery Available within KL/Klang Valley

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 with ZERO interest to pay!



What do I need to apply for IOU?

  • At least 18 years old and above

  • A Malaysian NRIC (MyKad)

  • Credit/debit card issued by Malaysian financial institutions

  • Malaysian mobile number and email address

ZERO Interest

Split your payment into 3 months upon checkout with absolutely 0% interest.**


Instant credit approval up to MYR1,000

Complete the registration and get instant credit approval up to MYR1,000 and as high as MYR10,000 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.

  • Tenure for instalment plan is predetermined by respective merchants.

** Late payment fees of MYR5 or 1% on outstanding amount (whichever higher) will be incurred for overdue payment.

*** Instant approval of MYR1,000 credit limit will be granted between 9am – 10pm (including Sat, Sun & public holidays). Credit limit will be MYR0 between 10pm-9am and will be approved within 48 hours.



Need more credit limit?

Sign-up for myIOU Credit+ today to increase credit limit up to MYR10,000 !

*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.



How myIOU Works

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

  2. Confirm transaction details and complete your initial payment*. Remaining balance of total purchase will be split into monthly instalments.\
  3. Your card binded to myIOU will be charged automatically every month for the remaining instalments.


myiOU Credit + Up to 3500                              myiOU Credit + Up to 10,000