Explore ACOM’s Online Loan Services:
Personal Loans and Top-Up Loans
ACOM Malaysia Sdn. Bhd. (ACOM(M)) understands that financial instability can place significant stress on individuals and families. In such situations, having a reliable financial partner is crucial. As a committed provider of financial solutions, we have designed our online personal loan services to be fast, easy, efficient, and trustworthy.
Our goal is to ensure that our customers have access to secure and responsible financial assistance, regardless of where they are on their financial journey.
With ACOM(M), you can move forward with confidence, knowing that we are always here to support you at every step of your financial journey.
ACOM(M)’s Loan Services
Online Personal Loan
In modern life, nearly every aspect requires adequate financial allocation. Whether it’s for emergencies, education financing, managing monthly bills, or fulfilling lifestyle needs, our online personal loans are designed to ensure you have access to the necessary funds at the right time.
With ACOM(M), you can enjoy convenience and confidence when dealing with a trusted financial service provider. Here are some of the benefits of choosing our personal loan services:
Quick Approval
ACOM’s personal loan application can be completed entirely online, from any location that is convenient for you. Simply provide basic information, and with the required documents, and approval can be granted within 24 hours*.
*Subject to case-by-case screening.
Flexible Terms
ACOM’s flexible terms are designed to meet the needs of individuals from all walks of life. From repayment periods to age and income requirements, each application is assessed personally and professionally to align with your unique financial situation.
Zero Hidden Fees
ACOM (M) offers fast and secure online personal loans in Malaysia with zero hidden fees. You know exactly what you're paying, with no surprises. Enjoy peace of mind, fast approval, and support that puts your financial confidence first.
Our Flexible Loan Terms
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Loan Amounts
Loan as low as RM250 up to RM100,000, subject to credit evaluation and eligibility.
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Flexible repayment
Flexible repayment with no early settlement fees, pay off your loan anytime within your tenure, giving you full control over your finances and the freedom to settle on your loan.
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Transparency
No hidden charges; only minimum charges toward stamp duty and attestation.
Top-Up Loan
ACOM’s Top-Up Loan is specially offered to existing customers who require additional funding. This product upholds our commitment to convenience, transparency, and reliability, ensuring a smooth, manageable, and responsible loan experience. Here are the benefits of ACOM’s Top-Up Loan:
Seamless Integration
Easily increase your current loan without any new application.
Extended Repayment Terms
An updated repayment schedule will be issued upon approval of the Top-Up loan.
Smooth Re-Apply
Easily Top up your existing loan with a quick reapplication.
Waived Interest
Outstanding interest from the original loan will be waived.
Larger Loan Amount
Access higher financing amounts without increasing interest rates.
Who Can Apply
ACOM’s Easy-Approval Online Loan offers a convenient application process with flexible requirements, ensuring quick and easy access to financing. Below are the main eligibility criteria:
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Age of Applicants
You are eligible to apply if you are between 18 to 60 years old and have proof of Malaysian citizenship and that you are working in Malaysia.
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Income Requirement
With a minimum monthly gross income of only RM500, ACOM(M) provides accessible and customer-friendly loan solutions tailored to your financial needs across Malaysia
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Exclusions
Applicants must not be bankrupt or involved in political activities. Freelancers are not eligible to apply.
Hassle-Free Easy Application Process
ACOM’s easy approved online loan application can be completed entirely online, with hassle-free and efficient steps.
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1
Fill the Online Form
Provide us with your basic details and contact information so that we can get in touch.
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2
Attach Necessary Documents
Upload a copy of your MyKad, your latest payslip, EPF statement, and a recent utility bill for verification purposes.
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3
Approval Process
ACOM(M) will review your credit history to evaluate your debt-to-income ratio and current financial situation.
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4
Online Contract Signing
Review and verify your information, then provide your signature online to complete the online application process.
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5
Receive Funds
The loan funds will be credited to your registered account within 24 working hours after the online agreement is signed.
ACOM’s Committed to Your Journey
Easy Application
ACOM(M) emphasizes efficiency in service. The application process is designed to be completed in just a few minutes with minimal documentation requirements, ensuring a smooth and customer-friendly experience.
Instant Cash
ACOM(M) is committed to fast processing, with an average approval time of three working days and/or as quickly as 24 hours, depending on document completeness.
Trusted Provider
ACOM(M) is registered under SSM and licensed under the Moneylenders Act as well as by KPKT. ACOM(M) ensures that every transaction is conducted with high security, assurance, and transparency.
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A Legacy of Trust and Expertise
ACOM Malaysia Sdn. Bhd. (“ACOM(M)”), a wholly-owned subsidiary of ACOM Co., Ltd. from Japan, has been synonymous with reliable financial solutions since 1936. Established in 1978, ACOM(M) has been recognized as a leader in the financial industry in East Asia for over two decades. With more than 20 years of experience in personal loans in Japan and Thailand, ACOM(M) brings its global expertise and reputation to provide trusted financial support.
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Fully Licensed and Certified
ACOM(M) is fully licensed by the Ministry of Housing and Local Government (KPKT) as a provider of loans and financial services since November 2022. In January 2024, ACOM(M) obtained a license to offer online personal loan services, providing easy access to customers across Malaysia.
Start Your Journey with ACOM Malaysia Today
Whether for emergency needs or securing additional financing to achieve your life goals, ACOM(M) is your trusted partner in ensuring financial stability and peace of mind.
Apply online now and enjoy the convenience, flexibility, and reliability we offer. Join us and experience how ACOM(M) loan services can help bring your financial dreams to life.