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Payment & Installment Options

Flexible Ways To Pay For Your Dream Gear

Guitar Collection offers installment plans, buy now pay later options, and instant payment gateways for both online and in-store purchases, so you can choose the route that fits your budget best.
0%
Interest options available
48 Months
Maximum tenure on selected plans
Online + Store
Available across both shopping channels
Multiple Gateways
Cards, FPX, e-wallets, QR, and PayPal
Provider Comparison

Choose The Plan That Fits Your Budget

Compare the core installment providers side by side to see who they are best for, how long the tenure runs, and what fees or limits to expect.
3 Months

Best for quick small-to-mid purchases with a simple 3-payment split and no hidden fees.

  • Eligibility: 18+ with supported card and local residency profile
  • Interest: 0%
  • Minimum spend: RM10
  • Use case: Fast checkout and flexible monthly split
6-24 Months

Best for higher-value purchases with supported Malaysian banks and 0% installment support.

  • Eligibility: Supported credit card holders
  • Interest: 0%
  • Minimum spend: RM300-RM500 depending on bank
  • Use case: Premium guitars and larger carts
1-48 Months

Best for Shopee ecosystem users who want flexibility without relying on a credit card.

  • Eligibility: Malaysian Shopee users, typically 18-65
  • Interest: Often 0% on short tenure, monthly charges on longer plans
  • Minimum spend: Varies
  • Use case: Existing Shopee users and no-card buyers
Up to 48 Months

Best for long-tenure financing, especially when customers do not want to rely on a credit card.

  • Eligibility: 18-65, income requirement, business rules vary by applicant type
  • Interest: 0% to 1.5% depending on structure
  • Approval: Typically 1-3 working days
  • Use case: Long-term financing up to 4 years
Quick Comparison

Fast Table View

Provider Eligibility Tenure Interest / Fees Best For
Atome 18+, local resident profile, credit or debit card 3 months 0% interest, no hidden fees Quick purchases and simple split payments
EPP Supported Malaysian credit card holders 6-24 months 0% interest High-value guitars and premium gear
SPayLater Shopee users with active SPayLater access 1-48 months Profile-based, longer tenures may incur monthly fees No-card users and Shopee shoppers
AEON Credit 18-65, income criteria, no card compulsory Up to 48 months 0%-1.5% plus agreement fee Long-term financing
Payment Categories

Different Ways To Check Out

Some shoppers want the fastest route, some want installment flexibility, and others need longer financing without a credit card.

Buy Now, Pay Later

Ideal for flexible monthly splits on online or in-store purchases.

  • Atome 3-pay structure
  • SPayLater installment option
  • Best for manageable monthly payments

Credit Card Installments

Perfect for customers who already have supported Malaysian credit cards and want 0% tenure.

  • EPP / EzyPay options
  • Typical minimum spend RM300-RM500
  • Best for premium purchases

Other Credit Financing

Useful for customers who still want longer-tenure financing without relying on card limits.

  • AEON Credit support
  • Longer approval-based financing
  • Best for larger planned purchases
Participating Banks

Credit Card Easy Payment Plan (EPP)

Application Guide

How To Apply

Select Atome

Choose Atome at online checkout or scan the in-store QR at the cashier.

Verify & Pay

Log into the app and pay the first one-third of the purchase immediately.

Auto Billing

The remaining two payments are charged automatically every 30 days.

IC Copy

Front and back copy of Malaysian IC.

Proof of Income

Latest payslip or EPF statement.

Bank Proof

Statement showing salary credit or related support.

Contact Details

Office number, mobile number, and a referee.

Agreement Fee

Applicants should expect agreement-related fees.

Approval Time

Typical turnaround is 1-3 working days.

Cards

Visa, Mastercard, and AMEX for direct one-time checkout.

E-Wallets

TNG, ShopeePay, GrabPay, and related supported wallets.

Online Banking

FPX, DuitNow QR, bank transfer, and PayPal for international support.
Instant Payment Gateways

Pay In Full If You Prefer

Not every customer needs financing. The page should also reassure buyers that fast, secure one-time payments are fully supported.

The Must-Haves

Age, minimum income, and employment status are the first details shoppers usually check before applying.

The How-To

Document lists like IC, payslip, EPF, and bank proof reduce drop-off halfway through the process.

The Limits

Min and max purchase limits help set the right expectation for BNPL, EPP, and longer-term financing.

The Speed

Instant approval vs. 1-3 working days matters a lot for shoppers making time-sensitive purchases.
Eligibility Guide

What Shoppers Usually Need To Know

The source content goes beyond simple pricing. It also explains what customers should prepare before applying and what details help them qualify faster.
Credit & Debit Cards
Visa, Mastercard, and AMEX for quick, standard card checkout.
E-Wallets
Touch 'n Go, ShopeePay, GrabPay, and related local wallet options.
Banking & QR
FPX, DuitNow QR, and bank transfer for local payment convenience.
International Support
PayPal for international or cross-border payment preference.

Important Note On AEON Credit

  • Agreement fee can be framed more specifically as RM47 or RM94 from the source notes
  • Approval typically takes 1-3 working days
  • Income references in the source range from RM900+ to RM1000 depending on the section
  • Longer tenure makes it suitable for higher-value gear

More Gateway Coverage

  • Bank transfer can be shown as a direct payment option alongside FPX and QR
  • Boost is mentioned in the source as another e-wallet direction worth listing
  • Gateway references such as Razer Merchant Services, Curlec, GHL, or Stripe help build trust

Online + In-Store Flexibility

  • Installment plans can be described as available for both website checkout and showroom walk-ins
  • Mixed payments are supported in-store, such as part cash or bank transfer plus installment
  • High-value purchases above RM5,000 can be guided toward AEON Credit or Credit Card EPP

Late Fees & Security

  • Third-party BNPL providers may charge late fees if repayments are missed
  • Customers should review provider terms carefully
  • Transactions should be framed as secure and encrypted

Best-Fit Guidance

  • Atome: quick split-pay purchases
  • EPP: premium and high-value gear
  • AEON Credit: longer tenure without relying on a credit card
Payment FAQ

Common Questions Before Checkout

These answers are drawn from the existing installment source content and reorganized into a cleaner support layer for shoppers.

Yes, eligible applicants can apply based on age, income, employment, contactability, and supporting documents without needing a credit card.

Limits depend on your profile in the provider app. The source references a common debit-card limit around RM3,000, and recommends AEON Credit or EPP for purchases above RM5,000.

Download the app, select Atome at checkout, log in, pay the first one-third immediately, and let the remaining payments be billed automatically in later cycles.

Yes, debit card support is available subject to Atome's rules and profile-based payment limits.

Yes. Customers can usually access the Bills area in the app, choose the relevant transaction, and trigger early repayment.

Yes. The source content indicates installment plans and payment methods can be supported for online orders and in-store walk-ins.

Yes. The source notes mention mixed payments for in-store purchases, such as part cash or bank transfer with the remaining balance handled through Atome or a credit card installment.

Limits depend on your profile in the provider app. The source references a common debit-card limit around RM3,000, and recommends AEON Credit or EPP for purchases above RM5,000.

The source lists Maybank, Public Bank, Hong Leong, OCBC, RHB, UOB, Affin, CIMB, and AmBank as supported directions for EPP-style plans, with exact spend and tenure depending on the bank.
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