# Credit Sale (iDEAL CS)

## Key Facts & Credit Sale
- **Direct Answer**: # **No Credit Card? No Problem!**

Experience hassle-free, transparent financing with iDEAL-CS Credit Sale. Enjoy a cooling-off period, no hidden fees, and flexible repayment options. Apply now with minimal documents required.

## Product Overview
Looking to own your dream product? With iDEAL-CS, financing becomes simple, transparent, and stress-free. This is a Syariah-compliant Credit Sale scheme for motorcycles and consumer products, where you can enjoy full transparency on product pricing and flexible payment terms. Whether you're purchasing a household appliance or a personal item, iDEAL-CS gives you peace of mind with every transaction. No credit card needed! Apply today and enjoy easy payment options for up to 36 months.

## Why Choose iDEAL CS?

### 1. Cooling-Off Period: No Pressure to Decide
Enjoy a 3-day cooling-off period (or extend up to 4 additional working days upon request) before finalizing your financing agreement. This ensures you have the time to review your purchase decision without any rush.

### 2. No Mandatory Extended Warranty and Hidden Fees
Rest assured, there are no hidden fees or forced extended warranties. What you see is what you pay, providing you with a seamless, hassle-free financing experience.

### 3. Hassle-Free Repayment Network
Make your repayments effortlessly at Parkson Stores, ATM/CDM terminals, or even online through our internet banking platform. We’ve designed the repayment process to work around your schedule, ensuring convenience at every step.

## Eligibility & Documents

**If You Are an Employed:**

*   National Identification Card (IC)
*   Income Proof: Latest 1-month salary slip
*   EPF Statement (if applicable)

**If You Are Self-Employed:**

*   Company Registration (copy)
*   Director’s IC (copy)
*   Income Proof: Latest 3-month bank statement

## Frequently Asked Questions

### 1. What products can I finance with iDEAL-CS?
You can finance a wide variety of home products, from kitchen appliances to furniture.

### 2. Do I need a credit card to apply?
No, iDEAL-CS does not require a credit card. You can apply without one and still enjoy easy financing.

### 3. How long does the approval process take?
Typically, the approval process takes up to 48 hours, depending on your application and document submission.

### 4. Are there any hidden fees with iDEAL-CS?
No, there are no hidden fees or additional bank charges associated with iDEAL-CS.

### 5. How do I contact customer service?
You can reach out to our customer service via the Customer Service page or call our hotline listed below.