WHAT IS TOP-UP LOAN
- Top-up loans are exclusively available to ACOM committed customers.
- Easily TOP-UP your current loan to cover extra financial needs.
- Upon TOP-UP your loan, any unpaid interest from your previous loan will be waived.
- No additional or hidden fees—just a simpler and smoother process.
ELIGIBILITY TO APPLY TOP-UP LOAN
Exclusive for ACOM customers with an existing loan agreement and good repayment history
Eligible customers will see a Top-Up button on your Portal screen
Easily Top-Up your loan to cover extra financial needs
Upon Top-Up, any unpaid interest from your previous loan will be waived
No additional or hidden fees - just a simpler and smoother process to add financing amount
HOW TOP-UP LOAN WORKS
- The disbursement amount for a Top-Up Loan is calculated by subtracting the remaining balance of your previous loan from the Top-Up Loan amount you apply for.
- Once your Top-Up Loan application is approved, your previous loan account will be considered fully settled, and a new Top-Up Loan account will be created. Your repayment schedule will also be updated accordingly.
- The Top-Up Loan amount must be equal to or greater than your previous loan amount.
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) And/or
Latest EPF statement (in PDF)
Latest utility bill (water, electricity, etc.)
*within latest 2 months
Others as required by ACOM(M) (if any)
Calculate your monthly loan installments
Simulate your monthly loan repayments in Malaysia using our personal loan calculator.
Input the loan amount, loan interest rate and loan period to help plan your installments.
Disclaimer : This loan calculator provides estimated results for informational purposes only.
The figures shown are approximate and do not constitute a loan offer or financial advice.
Total Interest Charges
RM 36,000
Total Monthly Installment Amount
RM 5,667
Total Repayment Amount
RM 136,000
For your first contract, the loan amount is up to 0.5
times your monthly income (not exceeding RM10,000). And the loan tenure is 6 months fixed.
ACOM (M) One-Time Payment Fees
Disclaimer: ACOM(M) will not request any upfront payment or
additional fees from customers, except for Stamping &
Attestation fees as permitted under the Moneylenders Act 1951.
(inclusive of 8% SST)
How to Apply
Step 1
Check Top-up eligibility and complete online application
*Once you qualify, you’ll see the Top-Up button displayed on your Dashboard
Step 2
Upload documents
Step 3
Application approved
Step 4
Complete attestation & digital signature for contracting via online method
Step 5
For online signing, only chosen customer 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
Personal loan 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.
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)
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
I’d like to contact ACOM Malaysia for personal loan application details
If you need future assist for a fast cash loan, 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.
How much is the personal loan 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.