myIOU 4+

Buy Now Pay Later | 0 Interest


Designed for iPhone

    • Free

iPhone Screenshots


myIOU is a Buy Now Pay Later app that makes your shopping experience affordable and convenient with flexible payment options as you shop! Pay only 30% of the total amount at the time of purchase and receive your item first. No hidden fees and 0% interest!

Shop for what you want and split your payments to 2, 3 or 6 monthly instalments. myIOU accepts debit and credit card.

Over 3,500 stores available with endless promotions!

RM1,000 instant credit approval for all users.

Spend smarter and enjoy your new shopping experience with myIOU. Buy Now, Pay Later.

What’s New

Version 3.1.0

• UI / UX Enhancement
• More intuitive search function
• New biometric security features
• The ability to upload a personal profile picture
• Card scanning for input of credit/debit card information
• Improved access and navigation to FAQs
• Enhanced terms of service confirmation; and
• Display, navigation and functionality improvements to available balance, invoices, payments and fees

Ratings and Reviews

2.9 out of 5
177 Ratings

177 Ratings

good job JOOX ,

Always capture unsuccessful for the ID photo

The photo is clear enough but the apps still ask for retake with flashlight. Gonna give up to use this app.

Jason1212211 ,


Registered for weeks and haven’t approve. In the app doesn’t even reflect that u haven’t been approve yet and shows that u have a limit of rm1000. What’s the bloody point then? When the user thinks they have 1000 credit available and then when they arrive at a merchant to scan the qr codes only to be shown the message in the app to call customer service to find out it hasn’t been approve. At least show a big red notice in the app stating ur account hasn’t been approve yet, also make it big enough ffs

Aura Izzati ,

Very Convinient and Helpful

Very helpful and easy to use. With just few clicks away, can buy items and manage my budget better by paying the payment balance monthly.

App Privacy

The developer, IOUPay, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info

Privacy practices may vary based on, for example, the features you use or your age. Learn More

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