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Online Personal Loan

Achieving your personal goals and family happiness is more possible now.

Top-Up Loan

ACOM’s Top-Up Loan offer you more flexibility than you’re ever experienced.
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News
May 27, 2024

Your Personal Loan is now available via online application
May 10, 2024

BEWARE OF SCAMMERS
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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.

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