AHA Smart Cash

Love Grab? Meet AHA Smart Cash

Financing just as fast, easy, and reliable
50020,000

Love Grab?

Meet AHA Smart Cash — a financial service with the same speed, convenience, and reliability

Your reusable limit up to RM 20,000

Flexible financing for whatever life brings
50020,000

Your reusable limit up to RM 20,000

Flexible financing for whatever life brings

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

Full disclosure

You see the full amount before you confirm

Licensed and sharia-certified

You're protected 
under Malaysian law

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

  • 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.