Written by Fariz, Guitar Specialist at Guitarlicious
"Can I split this into installments?" is one of the most common questions we get, especially once someone's decided on a guitar, amp, or drum kit and is working out how to actually pay for it. The short answer is yes — we support several 0% installment options, plus the usual cash, transfer, and card methods. Here's a proper breakdown of each, so you can pick whichever fits your situation best.
The Straightforward Options: Cash, Transfer, and Card
If you'd rather not deal with installments at all, we accept cash and card in-store, online bank transfer, and DuitNow or Touch 'n Go e-wallet payments. Simple, no application process, no waiting on approval — pay once and you're done.
SPayLater (ShopeePay Later)
Available for in-store and WhatsApp orders. WhatsApp our team, request the QR code for ShopeePay or ShopeePay Later, scan it, and follow the payment instructions. It's the quickest installment option if you're already comfortable with the Shopee ecosystem.
Atome — 3 Interest-Free Installments
Atome splits your total bill into three equal payments: one-third at the point of purchase, then the remaining two-thirds automatically charged 30 days apart. No interest, no hidden fees, and no credit card required — Atome links to a debit or credit card of your choice.
How to use it at Guitarlicious: WhatsApp our team at +6 012-2655 131 to get the payment QR code, scan it, and follow the app's instructions.
Good for: Mid-range purchases where you want the cost split over a short 2-month window without any application or approval process.
GrabPay Later — Up to 4 Installments
GrabPay's PayLater service splits purchases into four equal monthly installments, deducted automatically from your GrabPay balance or a linked card, at 0% interest. If you're already using Grab regularly for rides or food delivery, this integrates directly into an app you likely already have.
Good for: Slightly longer breathing room than Atome's 2-month window, especially if you're already a frequent Grab user.
AEON Credit Financing — Longer-Term Installments (Up to 36 Months)
This is the option for bigger-ticket purchases where you want to stretch payments over a longer period — we've seen real examples on our own product listings with 36-month AEON plans bringing a RM1,599 guitar down to roughly RM65 a month. Unlike Atome or GrabPay Later, this one requires a proper application:
1. Contact our customer service team and ask about AEON Credit Financing.
2. Prepare the required documents (see below) and submit them to our team.
3. Wait for approval — you'll be notified via email and SMS.
4. Visit our showroom to sign the agreement and collect your gear.
Eligibility requirements:
- Malaysian citizen, aged 18–65
- Employed for at least 6 months (or self-employed for at least 1 year)
- Minimum monthly gross salary (or net pay if self-employed) of RM1,000
- Contactable office/home telephone number and one contactable referee
- No records of blacklist, CCRIS, or CTOS issues
Documents needed: IC copy (front and back), latest 3 months' proof of income or EPF statement, latest 3 months' salary account bank statement, and bank proof.
Good for: Bigger purchases — a full silent guitar setup, a proper drum kit, a higher-end amp — where spreading the cost over a year or more genuinely matters.
Credit Card Installment (0% Easy Payment Plan)
If you already have a credit card from a participating bank, many Malaysian banks offer 0% installment plans directly through your card, typically ranging from 6 to 36 months depending on your bank and card type. Terms, minimum spend, and available tenures vary by issuing bank, so it's worth checking with your bank directly on what your specific card supports before checkout.
Good for: Anyone who already has an eligible credit card and wants to avoid a separate application process — the installment plan runs through your existing bank relationship.
Ryt PayLater
Another buy-now-pay-later option we support alongside the others — worth asking our team about directly if you're specifically looking to compare it against Atome or GrabPay Later for your situation.
"If it's your first big purchase and you're not sure which to pick, I usually suggest Atome or GrabPay Later for anything under RM2,000 — no application hassle, approval is instant. Once you're looking at something over RM2,000 and want it stretched past a couple of months, AEON Credit or a bank's 0% card plan makes more sense."
— Fariz, Guitar Specialist, Guitarlicious
Quick Comparison
Fastest, no application
- SPayLater / Atome / GrabPay Later — approval in minutes, split over 2–4 payments
Longest tenure, requires documentation
- AEON Credit Financing — up to 36 months, application and approval process required
No separate application, uses your existing card
- Credit Card Instalment — 6 to 36 months depending on your bank, terms vary by issuer
No installment needed
- Cash, bank transfer, DuitNow, Touch 'n Go — pay in full, no waiting
Which Should You Pick?
Buying something under RM2,000 and want it split quickly with zero paperwork?
Atome or GrabPay Later.
Already comfortable with Shopee and prefer WhatsApp ordering?
SPayLater.
Making a bigger purchase and want it stretched over 12–36 months?
AEON Credit Financing, or your bank's credit card installment plan if you already have an eligible card.
Don't want to deal with installments at all?
Cash, transfer, or straight card payment — all accepted, no extra steps.
Ready to Check Out?
Whichever method fits your budget, our team can walk you through the exact steps for your specific purchase — WhatsApp us at +6 012-2655 131, or visit our Ara Damansara showroom to sort payment in person. Browse our full product range online first if you're still shortlisting, with same-day delivery available across the Klang Valley.