Your Trusted CASH LOAN Partner
ACOM Bahala Sa’yo!
Legit
ACOM is one of the Leading Personal Loan Companies in Japan and is Authorized, Registered and Regulated by the SEC in the Philippines.
Lower Interest Rate
Interest rate per month is 4.988%. The interest amount decreases as the principal balance is paid down.
Secured
We take data privacy very seriously and we assure you that your personal data is safe with us. ACOM is National Privacy Commission-compliant.
Easy Monthly Repayment
We made repaying as easy as possible requiring monthly and minimum payment just settle the amount any time prior its due date.
No Co-maker and Collateral
No need to provide any specific property or bother any person for repayment.
OUR PRODUCT
ACOM Revolving Cash Loan
Our flagship product, ACOM Revolving Cash Loan provides clients with a flexible credit line that can be accessed as needed. It functions similarly to a credit card but offers the advantage of flexible loan amounts and competitive interest rate. With a minimum credit limit of 5,000 pesos and a maximum credit limit of 500,000 pesos, this revolving loan allows borrowers to draw from their credit line multiple times without reapplying. As borrowers repay the amount used, their available credit is replenished, ensuring continuous access to funds. This product is ideal for managing everyday financial needs or covering unexpected expenses with ease and peace of mind. Basic documentation required includes a valid government issued ID, proof of income, and proof of employment. Eligible applicants are Filipino citizens aged 21-65, with at least 3 months of work tenure, a net pay of over 10,000 pesos, a personal email address, active contact number and workplace contact number.
Borrow
You get access to a set amount of cash
(your ACOM-approved credit limit)
Use it
Use what you need within your credit limit for whatever purposes.
Repay
Choose to pay in full, make minimum payments for extended repayment, or pay more than the minimum to settle your loan faster.
Repay, Reborrow and Reuse
As you make payments, your credit limit is freed up for you to borrow again and has the potential to increase with regular, on-time payments.
CLICK TO APPLY
REPRESENTATIVE EXAMPLE
10 MONTHS
INTEREST RATE: 4.988% | APR = 59.86%
Interest rate is computed on the principal balance,
lower principal balance = lower interest payment.
Net Loan Amount: 15,000 for 10 months
Finance charges: 1,000 PHP processing fee & 500 PHP lending fee (One time only)
| TERM | PAYMENT AMOUNT | INTEREST AMOUNT | OUTSTANDING PRINCIPAL BALANCE |
|---|---|---|---|
| 0 | 15,000 | ||
| 1 | 1,940.00 | 748.20 | 13,808.20 |
| 2 | 1,940.00 | 688.75 | 12,556.95 |
| 3 | 1,940.00 | 626.34 | 11,243.29 |
| 4 | 1,940.00 | 560.81 | 9,864.10 |
| 5 | 1,940.00 | 492.02 | 8,416.12 |
| 6 | 1,940.00 | 419.79 | 6,895.91 |
| 7 | 1,940.00 | 343.96 | 5,299.87 |
| 8 | 1,940.00 | 264.35 | 3,624.22 |
| 9 | 1,940.00 | 180.77 | 1,864.99 |
| 10 | 1,958.01 | 93.02 | 0.00 |
| TOTAL | 19,418.01 | 4,418.01 | – |
※ Payment Terms: 10 (Suggested) – Flexible Months
※ Amount: 5,000 – 500,000 PHP
※ This is only a guide. Please check the required payment amount (8% of OB) on your Statement of Account (SOA) issued every month.
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See if you meet the following:
AGE: Filipino citizen, 21 to 65 years old.
EMPLOYMENT: Working tenure must be 3 months and monthly earnings must be over PHP P10,000
CONTACT: Has personal email, mailing address, active contact number and workplace contact number.
A. 1 VALID GOVT. ISSUED ID:
(PHILSYS ID, SSS, GSIS, UMID, Passport, Driver’s License, Postal ID, Voter’s ID, PRC, NBI Clearance)
B. TIN/SSS PROOF:
(TIN Card, SSS Card, Recent BIR 2316, Company ID, Payslip)
*No need for proof of TIN/SSS if you already have it in the other requirements such as Govt. ID or Proof of Employment
C. EMPLOYMENT PROOF &
INCOME PROOF:
1. Company ID / Certificate of Employment. (w/in 3 mos.)
2. Then Orig. payslips (w/in 2 mos.)
*must reflect the 1 st & 16 th of the cut-offs of 1 month or BIR 2316 (ITR)
D. CLIENT SELFIE IMAGE HOLDING THE SUBMITTED PRIMARY ID:
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Visit in Person at any ACOM location near you.
(See Booths & Branches)
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SMS Service
(Check Balance, Available Loan Amount, Payment, Due Date, Additional Loan Amount, Update Personal Info)
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