AHA Smart Cash

Your reusable limit up to RM 20,000

Flexible financing for whatever life brings
50020,000

Use it. Repay.

It's ready again

Not a one-time financing. Use what you need, make your monthly payment, and your limit refills automatically

  • RM 100 to RM 20,000

    Take only what you need. The rest stays available, ready to use

  • Your limit refills after each payment

    We recalculate your limit after each payment. No application needed

  • Pay on the 7th — right after your salary

    One fixed date. Plan your monthly payments around your salary — simple and predictable

Full disclosure

You see the full amount before you confirm

Shariah-compliant

Certified 
by Masryef

Ethical financing

One fixed profit rate. 
No riba

Payment schedule

14 micro payments, same date every month

How to apply

  • Apply in minutes

    Fill in your details and upload your MyKad

  • Take any amount

    Money is sent seamlessly to your account

  • Repay & use again

    Pay on time and reuse without reapplication

Security, clarity,
and control

  • KPKT-licensed and sharia-certified

    You're fully protected under Malaysian law

  • Your data is protected

    Bank-grade encryption. Your information stays private

  • Payment reminders

    We notify you before every due date so you stay on track

FAQ

Everything you need to know before you apply

  • AHA Smart Cash by Wawasan Cojaya Sdn. Bhd. ("we", "us" or "our") is a Shariah-compliant digital financing solution that provides customers with greater financial flexibility to meet their needs. Under this product, a financing limit is approved for the customer, within which the customer may request and enter into Shariah-compliant transactions. The product is structured as a Commodity Murabahah arrangement, where the customer requests us to facilitate the purchase and sale of commodities through a commodity trading platform for each financing request made within the approved limit.

  • Yes. The Shariah concept applied is Commodity Murabahah via Tawarruq arrangement. The product is structured as a Commodity Murabahah arrangement, where you request us to facilitate the purchase and sale of commodities through a commodity trading platform for each request of AHA Smart Cash financing.

  • The fixed profit rate is: 3.00% per month for financing between RM100 to RM20,000

  • This is due to upfront deductions that are financed as part of your total financing amount. For a full breakdown of all charges components, please refer to the Product Disclosure Sheet.

  • Currently, the maximum financing amount offered is RM20,000. This amount may be revised in the future based on internal policy or customer payment history.

  • The financing is available for a fixed term for 14 months. You must pay the full amount by the due date.

  • 10% per annum of overdue outstanding installment. This fee is imposed upon payment in the event of late payment.

  • Yes. You may pay early at any time. Any rebate (ibra') for early partial or full payment is provided at our discretion.

  • Yes. We report to relevant credit reporting agencies. Prompt payment will positively impact your credit profile, while late or non-payment may affect your ability to obtain future financing.

    • Malaysian citizen aged between 18 to 60 years
    • Minimum income (subject to internal policy)
    • Valid identification (MyKad)

  • Yes, approval is subject to internal credit assessment.

  • MyKad only.

  • Upon approval and availability of your Financing Limit, you can withdraw any amount between RM100-RM20,000

  • The disbursed amount will be credited to your bank account once the application is approved and commodity trading transactions are completed.

  • You can withdraw funds as often as you like, as long as you have an available Financing limit. There are no restrictions on the number of Financing requests.

  • Payment can be made using the following methods:

    • Online banking
    • FPX payment link
    • E-wallet

  • After each payment, your available Financing limit is recalculated based on your credit history and current financial obligations.