ELIGIBILITY
MUST has existing loan agreement with ACOM(M)
GOOD paymant history with ACOM(M)
Top-up button will appear on your portal screen
- ✓ “TOP-UP Loan” a new features authorized by KPKT
- ✓ The remaining interest on the original contract at the time of TOP-UP will be waived.
- ✓ Additional loan amount raised over the original loan
- ✓ Longer tenure, larger amount, but same interest rate caps as original loan
- ✓ No additional or hidden fees except attestation fee and stamp duty only
How it works
Remarks
*Disbursement amount for Top-Up is calculated by subtracting the “Remaining balance of your previous loan” from the “Top-Up Loan Amount you apply”.
*Once Top-Up Loan application is approved, the previous Loan account will be declaring fully settle, and a new Top-Up Loan account will be created. The repayment schedule will also be renewed.
*Top-Up Loan amount cannot be less than the previous loan amount.
Product Detail
up to 18% per annum.
6 months to 60 months
RM250 to RM100,000
Eligibility
Entitle for Existing Customer that has an existing contract with remaining loan amount.
ACOM(M) will set the criteria for the top-up loan, based on the repayment status of the previous loan.
Documents Required
Malaysian Identification Card (MyCard)
Latest 2 months salary crediting bank statement (in PDF)
Latest 2 months salary slip (in PDF) And/or
Latest EPF statement (in PDF)
Latest utility bill (water, electricity, etc.)
Only needed, if address changed or different from 1st application
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
Check Top-Up eligibility and complete application
* Once you meet the eligibility, we will set the Top-Up application button on your account page.
Step2
Upload
document
Step3
Application
Approved
Step4
Complete Attestation & Digital signature for contracting via online method
Step5
Only chosen customers will be summoned to our office for verification
FAQs about personal loan
If I borrow RM3,000, what is the repayment schedule?
Loan Amount: RM3,000
Tenure: 12 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 | 2,788.08 | 295.00 | 211.92 | 83.08 |
| 2nd due | 2,569.23 | 295.00 | 218.85 | 76.15 |
| 3rd due | 2,343.46 | 295.00 | 225.77 | 69.23 |
| 4th due | 2,110.77 | 295.00 | 232.69 | 62.31 |
| 5th due | 1,871.15 | 295.00 | 239.62 | 55.38 |
| 6th due | 1,624.61 | 295.00 | 246.54 | 48.46 |
| 7th due | 1,371.15 | 295.00 | 253.46 | 41.54 |
| 8th due | 1,110.77 | 295.00 | 260.38 | 34.62 |
| 9th due | 843.46 | 295.00 | 267.31 | 27.69 |
| 10th due | 569.23 | 295.00 | 274.23 | 20.77 |
| 11th due | 288.08 | 295.00 | 281.15 | 13.85 |
| Final | 0.00 | 295.00 | 288.08 | 6.92 |
| Total: | 3,000.00 | 3,540.00 | 3,000.00 | 540.00 |
How do I apply for a Personal Loan?
You may apply online here, anytime.
If you need future assist and more information, please text via WhatsApp: 03-2382-8020.
I’d like to contact ACOM(M)
If you need future assist and more information, please text via WhatsApp: 03-2382-8020.
Application and contracting can be completed via online application. However, only selected customers will be summoned to our office for verification process.
What documents & eligibilities are required?
- Document Required
- 1. Malaysian Identification Card (MyCard)
- 2. Latest 2 months salary crediting bank statement (in PDF)
- 3. Latest 2 months salary slip (in PDF) And/or
- 4. Latest EPF statement (in PDF)
- 5. Latest utility bill (water, electricity, etc.)
*within latest 2 months - Others as required by ACOM(M) (if any)
- Eligibility for Online Application
- 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
- Eligibility for Top-up Application
- 1. Entitle for Existing Customer that has an existing contract with remaining loan amount.
- 2. Good payment history with ACOM(M)
- 3. Individual aged 18 to 60 years
- 4. Minimum monthly gross income of RM500
- 5. Private and government employee Only
- 6. Malaysian Citizen
- 7. Not declared bankrupt
- 8. Not a political exposed person
How much loan I can apply for?
For First Loan, you can borrow with minimum 0.5 up to 1.0 and maximum RM100,000. The amount that you can borrow varies depends on individual credit scoring evaluation.
However, for Top-Up and subsequent loans, the minimum is 0.5 and the maximum will be determined by ACOM(M)
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)
* Subject are depends on individual credit scoring evaluation.
Apply Now
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