Frequently Asked Questions (FAQs)
About Our Loan
ACOM offers Low Interest Personal Loans.
Click here for a more detailed list
Filipino: 21 to 65 yrs. old
Employed: Working tenure for at least 3 months.
Salary Range: At least ₱10,000 netpay or above
Address: Present address must be within whole of Luzon
Contact: Has active workplace landline phone & personal mobile
(COMPLETE these 3: 1 Valid Govt. ID, Proof of Employment and Proof of TIN)
A. 1 VALID GOVT. ID
PHILSYS ID, SSS, GSIS or UMID (Unified Multipurpose ID) Passport, Driver’s License, Postal ID, Voter’s ID, PRC or NBI Clearance
B. PROOF OF EMPLOYMENT
Orig. Certificate of Employment issued within 3 months OR Company ID
- If working under agency, provide Original Certificate of Employment or Employee ID issued by the Agency.
Latest Payslips issued w/in 2 mos. (must reflect the 1st and 16th of the cut-offs of 1 month, recommended with TIN)
C. PROOF OF TIN/SSS
Choose any of the following documents that shows TIN/SSS
- No need for proof of TIN/SSS if you already have it in other requirements.
You can claim money at LBC branch, MAYA or GCash without registering your bank account.
No need to bother any specific person or property for repayment.
- Can be used consecutively with just one contract.
- Depending on your evaluation additional borrowings are possible during the repayment period within the credit limit.
- Depending on your evaluation the loan amount (credit limit) will increase.
Up to PHP500,000 * However, the amount that you can borrow varies depending on the result of your credit evaluation.
Interest rate per month is diminishing from 4.988% if you pay early after the release of your SOA.
or at least the minimum of 8% of Outstanding Principal Balance
(No more processing fee for repeat borrowers)
Processing fee PHP1,000 and Lending fee PHP500
No more processing fee for repeat borrowers and a Lending Fee of PHP500 for the REVOMAX Loan
The loan process is within 3-5 days and a day at its shortest but it still depends on your credit evaluation and other circumstances like HR verification etc.
Once approved, you will receive a confirmation via SMS.
Receiving & Payment
You can get it thru our receiving channels below:
・Personal Bank Account via Dragonpay
You will receive an SMS from LBC and Dragonpay when your funds are already available. Best time to check is at 6pm onwards.
You can pay thru our repayment channels below:
・Cliqq App by 7-Eleven
・Cliqq Kiosk (7-Eleven)
You can repay at Bayad Center. You need to fill in your membership number which starts with “0001”
(000 must be input/total 11 digits),
For Cliqq Kiosk at 7-eleven. You need to go to 7-Eleven Cliqq Kiosk, then Bills Payment, Loans, and select ACOM. You need to fill in your membership number which starts with “0001” (000 must be input/total 11 digits), your registered mobile number* and then the amount, then your receiving mobile no., verify, receive stub and pay at the counter.
Cliqq App, GCash, Lazada Wallet, Maya, and Shopee Pay go to Pay Bills/Bills then go to Loans then select ACOM/ACOM Consumer Finance. You need to fill in your membership no. which starts with “0001” (000 must be input/total 11 digits), your registered mobile no.*, and then the amount.
*Mobile Phone No. which is the same one you input during the application sheet contracting, but kindly do double-check it in advance. Put the exact amount and the Biller which is ACOM Consumer Finance Corporation.
For more details click: How to Pay ACOM
You will receive a confirmation via SMS once payment has been processed.
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 email (Interest rate 4.988% after the release of your SOA)
P500.00 will be charged monthly for each delayed payment
The Eligibility for a Higher Credit Limit without the need for additional documents.
・ACOM is one of the Leading Personal Loan Company in Japan.
・REVOLVING / DIMINISHING Interest Amount – The higher you pay the faster and lower the principal the lower the payment next due date, and can be borrowed once again as long as you still have a spare credit amount. (Our interest amount is calculated based on the number of days borrowed and outstanding balance)
・Flexible payment term, that can be used consecutively within 1 contract.
・Increasing Loan Amount
・No need to have a Co-maker and Collateral
・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
・One Time Processing Fee