Machines Easy Financing

Machines Easy Financing

An easier way to own the Apple devices you want.

Get selected Apple devices with monthly instalments over 24, 36 or 48 months, with a simple application process by Affordable Machines.

Apple products available with Machines Easy Financing

Why Machines Easy Financing?

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Up to 48 months financing
Choose from 24, 36 or 48 months, subject to eligibility.
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No processing fee
No programme registration fee.
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No early settlement penalty
Settle your financing early without an early settlement penalty.
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Own more of what you love
Get the latest Apple devices with flexible monthly payments.

Who can apply?

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Malaysian citizens aged 18-65 with a minimum net monthly income of RM1,500 may apply, subject to eligibility and credit assessment.
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Students can apply too
Financing available for 24 or 36 months, subject to eligibility

How to register?

STEP 1
Select your Apple device and preferred financing tenure.
STEP 2
Submit your application and required information.
STEP 3
Credit assessment takes approximately 3 working days.
STEP 4
Review and accept your financing offer.
STEP 5
Complete the required steps and make your first payment at your selected Machines outlet.
Apply now

View pricing of the devices

Enjoy the latest iPhone from as low as RM110 per month with our 24-month or 36-month flexible installment plans. Upgrade your Apple device at no charge once you've completed 13 payments* on your installment plan.

Device Capacity 24/mo. 36/mo. 48/mo.
iPhone 17e 256GB RM179 RM133 RM110
512GB RM233 RM174 RM144
iPhone 17 256GB RM233 RM174 RM144
512GB RM288 RM214 RM177
iPhone 17 Pro 256GB RM266 RM198 RM164
512GB RM320 RM238 RM197
1TB RM374 RM278 RM230
iPhone 17 Pro Max 256GB RM293 RM218 RM180
512GB RM347 RM258 RM214
1TB RM401 RM299 RM247
2TB RM510 RM379 RM314
iPhone Air 256GB RM201 RM149 RM124
512GB RM255 RM190 RM157
1TB RM363 RM270 RM224
Device Capacity 24/mo. 36/mo. 48/mo.
iPad (A16)
Wi-Fi		 128GB RM111 RM83 RM69
256GB RM133 RM99 RM82
512GB RM182 RM135 RM112
iPad (A16)
Wi-Fi + Cellular		 128GB RM149 RM111 RM92
256GB RM171 RM127 RM105
512GB RM220 RM164 RM135
iPad mini (A17 Pro)
Wi-Fi		 128GB RM147 RM109 RM90
256GB RM168 RM125 RM104
512GB RM217 RM162 RM134
iPad mini (A17 Pro)
Wi-Fi + Cellular		 128GB RM185 RM137 RM114
256GB RM206 RM154 RM127
512GB RM255 RM190 RM157
iPad Air 11-inch (M4)
Wi-Fi		 128GB RM190 RM141 RM117
256GB RM212 RM158 RM130
512GB RM260 RM194 RM160
1TB RM331 RM246 RM204
iPad Air 11-inch (M4)
Wi-Fi + Cellular		 128GB RM228 RM170 RM140
256GB RM250 RM186 RM154
512GB RM298 RM222 RM184
1TB RM369 RM274 RM227
iPad Air 13-inch (M4)
Wi-Fi		 128GB RM239 RM178 RM147
256GB RM260 RM194 RM160
512GB RM309 RM230 RM190
1TB RM380 RM282 RM234
iPad Air 13-inch (M4)
Wi-Fi + Cellular		 128GB RM277 RM206 RM170
256GB RM298 RM222 RM184
512GB RM347 RM258 RM214
1TB RM418 RM311 RM257
iPad Pro 11-inch (M5)
Wi-Fi		 256GB RM298 RM222 RM184
512GB RM347 RM258 RM214
iPad Pro 11-inch (M5)
Wi-Fi + Cellular		 256GB RM347 RM258 RM214
512GB RM396 RM294 RM244
iPad Pro 13-inch (M5)
Wi-Fi		 256GB RM298 RM222 RM184
512GB RM347 RM258 RM214
iPad Pro 13-inch (M5)
Wi-Fi + Cellular		 256GB RM418 RM311 RM257
512GB RM466 RM347 RM287
Device Spec 24/mo. 36/mo. 48/mo.
MacBook Neo
(A18 Pro)		 8GB + 256GB RM163 RM121 RM100
8GB + 512GB RM185 RM137 RM114
MacBook Air
(13-inch | M5)		 16GB + 512GB RM298 RM222 RM184
16GB + 1TB RM371 RM276 RM229
16GB + 1TB RM420 RM313 RM259
MacBook Air
(15-inch | M5)		 16GB + 512GB RM342 RM254 RM210
16GB + 1TB RM415 RM309 RM255
16GB + 1TB RM464 RM345 RM285
MacBook Pro
(14-inch | M5)		 16GB + 1TB RM450 RM335 RM277
MacBook Pro
(14-inch | M5 Pro)		 24GB + 1TB RM558 RM415 RM344
24GB + 2TB RM680 RM506 RM419
MacBook Pro
(16-inch | M5 Pro)		 24GB + 1TB RM678 RM504 RM417
48GB + 2TB RM824 RM613 RM507
iMac 24-inch
(M4 | Two Ports)		 16GB + 256GB RM353 RM262 RM217
iMac 24-inch
(M4 | Four Ports)		 16GB + 256GB RM407 RM303 RM250
16GB + 512GB RM455 RM339 RM280
24GB + 512GB RM504 RM375 RM310
Mac mini
(M6)		 16GB + 256GB RM206 RM154 RM127
16GB + 512GB R255 RM190 RM157
24GB + 512GB RM304 RM226 RM187
Mac mini
(M5 Pro)		 24GB + 512GB RM407 RM303 RM250
Mac Studio
(M5 Max)		 36GB + 512GB RM596 RM444 RM367
Mac Studio
(M5 Max)		 96GB + 1TB RM1,355 RM1,007 RM834
Device Size 24/mo. 36/mo. 48/mo.
Apple Watch SE 3
GPS		 40mm RM57 RM42 RM35
42mm RM65 RM48 RM40
Apple Watch SE 3
GPS + Cellular		 40mm RM70 RM52 RM43
42mm RM78 RM58 RM48
Apple Watch Ultra 3
GPS + Cellular		 49mm RM174 RM129 RM107
Apple Watch Ultra 3
GPS + Cellular | Milanese Loop		 49mm RM201 RM149 RM124

Frequently Asked Questions

  1. What is Machines Easy Financing?
    Machines Easy Financing is a financing programme by Affordable Machines that lets eligible customers purchase selected Apple devices with monthly instalments over 24, 36 or 48 months.
  2. What products can I finance under Machines Easy Financing?
    Machines Easy Financing is available for selected Apple devices. The eligible product list may be revised from time to time.
  3. What financing tenures are available?
    You may choose a financing tenure of 24, 36 or 48 months, subject to eligibility.
  4. What is the interest rate?
    The applicable interest rate is fifteen percent (15%) flat per annum. The total financing charge is calculated based on your financing tenure and spread evenly across your monthly instalments.
  5. Are there any processing or registration fees?
    No. There are no processing or programme registration fees for Machines Easy Financing.
  1. Who is eligible for Machines Easy Financing?
    Machines Easy Financing is available to Malaysian citizens aged 18 to 65 years old with a minimum net monthly income of RM1,500, subject to eligibility and credit assessment.
  2. Can foreigners apply for Machines Easy Financing?
    No. Machines Easy Financing is currently available to Malaysian citizens only.
  3. Can salaried employees apply?
    Yes. Salaried employees may apply if they have been working with their current employer for at least one month and meet the applicable eligibility requirements.
  4. Can self-employed individuals apply?
    Yes. Self-employed individuals may apply, subject to the applicable eligibility and credit assessment requirements. You will need to provide your latest one-month bank statement and either your latest one-month payslip or EPF statement.
  5. Can freelancers apply?
    Yes. Freelancers may apply, subject to the applicable eligibility requirements. You will need to provide your latest one-month bank statement together with your latest EPF statement or an approved alternative supporting document for verification.
  6. Can retired individuals apply?
    Yes. Retired individuals may apply, subject to the applicable eligibility and credit assessment requirements. The minimum monthly income requirement does not apply to retired applicants. You will need to provide your latest EPF statement and latest one-month bank statement for verification.
  7. Can students apply?
    Yes. Students may apply for a financing tenure of 24 or 36 months, subject to the applicable eligibility requirements. The 48-month tenure is not available to student applicants.
  8. Are there any occupations that are not eligible for Machines Easy Financing?
    Yes. The following occupations are currently not eligible to apply:
    • Army or military personnel
    • Security guards
    • Food delivery riders
    • E-hailing or delivery drivers
  9. Will meeting the eligibility requirements guarantee approval?
    No. Meeting the eligibility requirements does not guarantee approval. All applications are subject to credit assessment and approval.
  1. How do I apply for Machines Easy Financing?
    You can apply for Machines Easy Financing at any Machines retail outlet or online through the Machines website.
  2. How long does the credit assessment take?
    Credit assessment may take approximately three (3) working days, provided all required information has been submitted and successfully verified.
  3. Can I reapply if my application is rejected?
    Yes. You may submit a new application after your previous application has been assessed and the outcome has been confirmed.
  4. Can I submit another application while my current application is still under assessment?
    No. You can only have one application under assessment at a time. Please wait until your current credit assessment is completed before submitting a new application.
  5. Can I change my application after submitting it?
    No. Once your application has been submitted, you cannot make changes to it. If you need to make any changes, you can cancel your application through the Affordable Machines Customer Portal and submit a new application.
  6. How will I know if my application is approved or rejected?
    You will receive a WhatsApp notification once your credit assessment is completed, informing you of your application status.
  1. What is E-KYC?
    E-KYC, or Electronic Know Your Customer, is an online process used to verify your identity when you apply for Machines Easy Financing.
  2. What is an e-Mandate and why do I need to complete it?
    An e-Mandate is an electronic authorisation that allows Affordable Machines to automatically collect your monthly instalments from your nominated bank account according to your payment schedule. This means you do not need to make a manual payment every month.
  3. Do I need to complete E-KYC again if I apply again?
    If you have completed E-KYC previously, you will not need to complete it again if you reapply within its six-month validity period, subject to system verification and eligibility.
A. After Approval 
  1. What happens after my application is approved?
    Once your application is approved, you will receive a WhatsApp notification to review your financing offer. Log in to the Affordable Machines Customer Portal to review and accept the offer.
  2. What information will I receive in my financing offer?
    Your financing offer will include the financing amount, financing tenure, interest rate, monthly instalment and total amount payable.
  3. How long do I have to accept the financing offer?
    You have ten (10) days from the date of credit approval to accept the offer through the Affordable Machines Customer Portal.
  4. What happens if I don't accept the offer within 10 days?
    Your financing offer will expire, and you will need to submit a new application.
B. Device Collection
  1. When can I collect my device?
    After accepting your financing offer, you can select your preferred collection date and time through the Affordable Machines Customer Portal. Collection is generally available approximately 3 days after accepting the offer, subject to stock availability.
  2. Where can I collect my device?
    You can collect your device from the selected Machines retail outlet.
    For example, if you submitted your application at Machines 1 Utama, you will need to return to the Machines 1 Utama outlet for device collection.
  3. How will I know when my device is ready for collection?
    You will receive a WhatsApp notification with your collection details after scheduling your collection date and time through the Customer Portal. If your selected device is unavailable, the Affordable Machines team will contact you.
  4. What do I need to bring when collecting my device?
    Please bring your original MyKad for identity verification.
  5. What happens during device collection?
    At the outlet, your identity will be verified using your original MyKad. You will then review and sign your financing agreement and make your first payment through the Affordable Machines Customer Portal. Your device will be handed over once the required steps have been completed.
  6. When do I make my first payment?
    Your first payment is made after signing the financing agreement and must be completed before your device is handed over.
C. Monthly Payments
  1. How are my monthly instalments collected?
    Once your e-Mandate is activated, your monthly instalments will be automatically collected from your nominated bank account on the 1st day of each month.
  2. Can I change my payment date?
    No. Your monthly instalments will be collected on the 1st day of each month, and the payment date cannot be changed.
  3. Can I change the bank account used for my monthly instalments?
    Your nominated bank account generally cannot be changed after your financing agreement is completed. If you need to change your bank account due to special circumstances, please contact Affordable Machines Customer Service for assistance.
D. Failed & Late Payments
  1. What happens if my monthly payment fails?
    If your monthly payment is unsuccessful, the payment may be re-attempted according to the applicable payment collection process. You may also receive a notification regarding the failed payment. Please ensure there are sufficient funds in your nominated bank account to avoid late payment charges.
  2. Is there a late payment charge?
    Yes. Late payment charges are calculated daily at a rate of 5% per annum on the outstanding amount due, in accordance with applicable law.
    For example, if the outstanding amount is RM1,000, the daily late payment charge would be approximately RM0.14:
    (RM1,000 × 5%) ÷ 365 days = RM0.14 per day
  3. Can I change the bank account used for my monthly instalments?
    Your nominated bank account generally cannot be changed after your financing agreement is completed. If you need to change your bank account due to special circumstances, please contact Affordable Machines Customer Service for assistance.
  1. Can I settle my financing early?
    You may request for early settlement by contacting Affordable Machines Customer Service. Your request will be reviewed by our Credit and Accounts Teams. Once approved, we will calculate the settlement amount and provide you with a quotation.
  2. Is there a penalty for early settlement?
    No. There is no early settlement penalty.
  3. How is my early settlement amount calculated?
    Your early settlement amount will be calculated based on the outstanding amount as of the settlement date. Any future interest that has not yet accrued will not be charged. No separate early settlement rebate or refund applies.
  4. How much do I need to pay for early settlement?
    Your early settlement amount will depend on the outstanding amount under your financing agreement. Please contact Affordable Machines Customer Service for your settlement quotation.
  5. Can I cancel my financing agreement?
    You may cancel before signing the financing agreement. Once you have signed the financing agreement and collected your device, the financing can no longer be cancelled.
  1. What is the iPhone upgrade benefit? 
    The iPhone upgrade benefit allows eligible customers to upgrade their financed iPhone after completing the required number of monthly payments, subject to payment status, device condition, inspection, stock availability and approval.
  2. When can I upgrade my iPhone?
    You may request an upgrade after completing:
    • At least 13 monthly payments for a 24- or 36-month financing tenure
    • At least 15 monthly payments for a 48-month financing tenure
  3. Is my upgrade guaranteed once I've completed the required payments?
    No. Completing the required number of monthly payments makes you eligible to request an upgrade. The upgrade is still subject to your payment status, device condition, inspection, stock availability and approval.
  4. Which iPhone models are eligible?
    The upgrade benefit is available for selected iPhone models determined by Affordable Machines. Eligible models may be revised from time to time.
  5. What condition must my iPhone be in?
    Your iPhone must meet the applicable trade-in requirements and pass a device inspection before the upgrade can proceed.
  6. What will be checked during the device inspection?
    Your iPhone will be checked for its IMEI or serial number, physical and functional condition, Find My and Activation Lock status, and any unauthorised modifications. Your payment status and upgrade eligibility will also be verified.
  7. Do I need to return the same iPhone I originally financed?
    Yes. The iPhone returned for the upgrade must match the IMEI or serial number registered under your financing agreement.
  8. Do I need to return the original box and accessories?
    No. The original box and accessories are not required for the upgrade.
  9. What happens if my iPhone doesn't pass the inspection?
    If your iPhone does not meet the upgrade requirements, the upgrade will not proceed. Your existing financing agreement will continue, and you will need to continue making the remaining monthly payments.
  1. What happens if my selected device is not available?
    If your selected device is unavailable, the Affordable Machines team will contact you and assist with rescheduling your collection appointment.
  2. Can someone else collect the device on my behalf?
    No. You must personally collect your device and complete the required identity verification.
  3. What happens if I cannot collect my device on the scheduled date?
    You can reschedule your collection appointment through the Affordable Machines Customer Portal.
  4. Can I change my device after my financing has been approved?
    You cannot change the selected device within an approved application. If you would like a different device, you may cancel your application before signing the financing agreement and submit a new application for your preferred device.
  5. Can I change my financing tenure after approval?
    You cannot change the financing tenure within an approved application. If you would like a different tenure, you may cancel your application before signing the financing agreement and submit a new application with your preferred tenure.
  6. What happens if I no longer want the device after my application has been approved?
    You may cancel your application as long as you have not signed the financing agreement. You can cancel through the Affordable Machines Customer Portal or contact Affordable Machines Customer Service for assistance.
  1. What happens if my financed device is damaged?
    You will still be responsible for your monthly instalments and all outstanding payment obligations under your financing agreement. Damage to your device does not suspend or cancel your financing.
  2. What happens if my financed device is lost or stolen?
    You will still be responsible for all outstanding payments under your financing agreement. If your device is stolen, you should report the incident to the relevant authorities.
  3. Does Machines Protection Plan (MPP) affect my financing agreement?
    No. Machines Protection Plan (MPP) is a separate protection product and does not change, suspend or cancel your financing obligations.
  4. Can I purchase MPP with my financed device?
    Yes. MPP may be purchased together with your financed device, subject to MPP eligibility and its Terms and Conditions.
  5. Does an MPP claim affect my financing payments?
    No. Making a claim under MPP does not suspend or cancel your financing payment obligations.
  1. How can I contact Affordable Machines regarding my financing?
    You can contact Affordable Machines Customer Service through the following channels:
    Email: contact.afm@machines.com.my
    General Hotline: +6016-699 9775
    Operating Hours: Monday to Friday, 10:00 AM – 6:00 PM (excluding Public Holidays)
  2. What information should I prepare when contacting Customer Service?
    Please have your full name, MyKad details, application or financing agreement number, registered contact information and device details ready, where applicable, so that we can assist you more efficiently.
  3. Where can I find the full Terms and Conditions?
    The latest Machines Easy Financing Terms and Conditions are available on the Affordable Machines website.