EASY
APPLICATION
Minimal documents and simple questions. It only takes a few minutes to complete the application.
Instant
Cash
We can transfer money to your bank account within 1-3 days after your application has been approved.
Genuine Trusted
Licensed Provider
The ACOM Group has acquired the leading share of retail financing in Japan and in Thailand. Also, ACOM(M) is a responsible moneylender licensed under the Moneylenders Act.
Product Detail
up to 18% per annum.
6 months to 60 months
RM250 to RM100,000
Eligibility
Individual aged 18 to 60 years
Minimum monthly gross income of RM500
Private and government employee Only
Malaysian Citizen
Not declared bankrupt
Not a political exposed person
Documents Required
Malaysian Identification Card (MyCard)
Latest 2 months salary crediting bank statement (in PDF)
Latest 2 months salary slip (in PDF)
Or latest EPF statement with minimum 2 months contribution (in PDF)
Latest utility bill (water, electricity, etc.)
Others as required by ACOM(M) (if any)
Loan calculator
You can simulate your monthly instalment amounts. Please use this information to help you plan your repayments.
Loan Amount (RM)
Annual Interest Rates (%)
18%
Loan Tenure (Months)
Monthly instalment
How to Apply
Step1
Fill in our application form
Step2
Submit
document
Step3
Application
Approved
Step4
Complete Attestation process
(Only chosen customers
will be summoned to our
office for verification)
Step5
Visit our office to complete the contract
*Attention
To complete your contract, you will need to visit our office until we launch the online personal loan.
FAQs about personal loan
If I borrow RM3,000, what is the repayment schedule?
Loan Amount: RM3,000
Tenure: 6 months
Interest Rate: 18.0% per annum
Fees: RM15 stamp duty fee and RM10 attestation fee
| (RM) | Principal Balance | Monthly Instalment Amount | Principal Amount | Interest Amount |
|---|---|---|---|---|
| Disbursement: | 3,000 | - | - | - |
| 1st due | 2,532 | 545 | 467.86 | 77.14 |
| 2nd | 2,051 | 545 | 480.71 | 64.29 |
| 3rd | 1,558 | 545 | 493.57 | 51.43 |
| 4th | 1,051 | 545 | 506.43 | 38.57 |
| 5th | 532 | 545 | 519.29 | 25.71 |
| Final | 0 | 545 | 532.14 | 12.86 |
| Total: | 3,000 | 3,270 | 3,000 | 270 |
I’d like to contact ACOM(M)
To complete your contract you will need to visit our office until we launch an online personal loan.
If you need future assist and more information, please SMS via WhatsApp: 03-2382-8020.
What documents & eligibilities are required?
- Document Required
- 1.Malaysian Identification Card (MyKad)
- 2.Latest 2 months salary crediting bank statement (in PDF)
- 3.Latest 2 months salary slip (in PDF)
Or latest EPF statement with minimum 2 months contribution (in PDF) - 4.Latest utility bill (water, electricity, etc.)
- 5.Others as required by ACOM(M) (if any)
- Eligibility
- 1. Individual aged 18 to 60 years
- 2. Minimum monthly gross income of RM500
- 3. Private and government employee Only
- 4. Malaysian Citizen
- 5. Not declared bankrupt
- 6. Not a political exposed person
How much loan I can apply for?
For the first contract, you can borrow up to 0.5 times of your monthly income and not more than RM10,000.
For sub-sequence contracts, you can borrow up to 5 times of your monthly income and not more than RM100,000.
*The amount that you can borrow varies depending on the result of your credit evaluation.
How much is the interest rate?
The annual interest rate is up to 18.0%.
What are the minimum and maximum loan tenures?
The minimum loan tenure is 6 months and the maximum loan tenure is 60 months (5 years).
* On your first application, the loan tenure will be 6 months regardless of the loan amount.
How long does the loan approval process take?
The loan process is within 1-3 working days. However, if the documents are incomplete, we will need another 1-3 working days for verification.
How will I know if my loan application has been approved?
Once approved, you will receive a confirmation SMS from ACOM(M).
What should I do when my loan application has been approved?
○ Face-to-face contract
You are require to sign a contract at ACOM(M) Sdn. Bhd. office and you also can verify your loan detail on the ACOM(M) website before signing the contract. Login.
○ Via online contract
Please log in to our website and follow the instructions.
*Until ACOM(M) launchs the online personal loan, we only offer the face-to-face contract. Sorry for any inconvenience.
Are there any fees I have to pay for registration?
There are no registration fees. However, if your application is approved, you will need to pay the Stamp dutie (RM 5~) and the Attestation fees (RM 10 - 20).
These fee will be charged together with the repayment amount at the first repayment.
Can I apply for a Personal Loan if I am self-employed or a freelance?
No. You must have been employed for at least 2 months with your current company.
How can I receive my loan amount?
You can receive your payment loan amount through your registered bank account.
How will I know if my loan has been disbursed?
Once loan disbursed, you will receive a confirmation SMS from ACOM(M).
Apply Now
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