When & Where can I apply?

Location: G/F AIC Burgundy Empire Tower, Sapphire Road cor ADB Ave., Ortigas Center, Pasig City *Click Locations to view Map

Operating hours: 9:30am to 6:00pm (Monday to Friday)


What are the Terms of Eligibility & Requirements?

The following is the criteria for application:
・Age: 21 to 65 years old
・Nationality: Filipino
・Working place: within Metro Manila
・Working tenure: at least 3 months
・Net monthly income: P10,000 and up
・Must have an own mobile phone & office landline phone

The following are the requirements for application:
・One original valid ID for each group
(1 must contain present address; if not, provide Barangay Certificate or Utility Bill)
・Group A: TIN, SSS, GSIS, Unified Multipurpose ID
・Group B: Passport, Driver’s License, Postal ID, Voter’s ID, PRC, NBI Clearance
・2 original consecutive pay slips from latest 2 months payment or Certificate of Compensation or BIR 2316
・Original Certificate of Employee or Employee ID


Do I need a Co-maker / collateral?

Employed: No need to have Co-maker and Collateral


What are the loan products of ACOM?

・Term Loan: The products that does not allow additional borrowings during the repayment period.
・Revolving Loan: The additional borrowings are possible during the repayment period within the credit limit.
* 1st Term Loan, 2nd Term Loan and Revolving Loan which can be used consecutively with just one contract. Loan amount (credit limit) will increase per upgrade of product.


How much money can I borrow?

Term Loan: Up to PHP250,000
Revolving Loan: Up to PHP500,000
* However, the amount that you can borrow varies depending on the results of the examination.


How much is the interest rate?

Interest rate is ranging from 3.315% to 4.563% per month


Are there any deductions to your loan amount?

1st Term Loan: Processing fee PHP1,000 and Lending fee PHP500
2nd Term Loan: Lending fee PHP500
Revolving Loan: None


What is the loan terms?

1st Term Loan: 6 months
2nd Term Loan: 12 months
Revolving Loan: Flexible


How long is the loan process?

Loan process is within the day at its shortest, depends on the evaluation.


How will I know if my loan application has been approved?

Once approved, you will receive a confirmation via SMS.



Where can I get my loan amount?

You can get thru our receiving channels below:
・LBC Branch
・Personal Bank Account


Where can I pay my monthly dues?

You can pay thru our repayment channels below:
・EC Pay (7-eleven)
・Bayad Center


How will I know if my payment was received?

You will receive a confirmation via SMS once payment has been processed.


When is the best time to pay my due amount?

The best time to make a payment is once you received your SOA that will be sent to you 14 days before your due date via postal mail or email because if you pay more than 15 days, your DUE DATE WILL NOT BE UPDATED


What if I fail to pay my monthly due?

P500.00 will be charged monthly per delayed payment



Why choose ACOM?

・ACOM is one of the Leading Personal Loan Company in Japan
・No need to have a Co-maker and Collateral
・We have Fast Cash Loan: Get loan approval within the day at its shortest.
・Our Best Product Offered:
1st Term Loan, 2nd Term Loan and Revolving Loan, that can be used consecutively with 1 contract.
・We have Easy Monthly Repayment: Pay any time until due date and any amount over required payment.
・Our interest amount is calculated based on the number of days borrowed and outstanding balance


Can I refer someone?

Yes, and receive a gift voucher from ACOM! *Click here to see the mechanics