What is ACOM loan? This app allows you to apply for a personal loan from anywhere at any time, without any collateral or comaker.

Acom one of a low and diminishing interest rate lenders, as well as flexible repayment terms.

In this article at retailasiaonline.com, we will review processing time approval, requirements,  disbursement, unpaid loan, and interest rate calculation for 2026.

Read on to find out more!

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Summary of ACOM

✅ Acom Review	⭐ 4.5 star
✅ Guide to	⭐ Register to Acom Philippines (PH)
✅ Loan amount	⭐ 5.000 – 500.000 Pesos
✅ Age	⭐ 21 – 65 years old
✅ Term	⭐ 6 – 10 months
✅ Interest rate	⭐ 0 % interest rate for first loan
✅ Pros	⭐ Online loan monthly payments in Philippines
✅ Cons	⭐ No Online loan guaranteed approval
✅ Evaluate the effectiveness	⭐ Good
✅ Bad credit	⭐ Allow
✅ Feedback	⭐ Read more in this article
✅ Acom App dowload APK:	⭐ Link Here

What is ACOM Loan?

ACOM loan is a type of personal lending companies in the Philippines by Consumer Finance Corporation. It is a non-collateralized loan, meaning you do not need to provide any assets as security for the loan. The process of getting a loan is quick, being able to take only one day.

Pros of ACOM loan

ACOM lending brings its customers a lot of benefits which include:

• Filling out an application is simple and quick.
• Compared to other lenders, the rate of interest is low.
• From 6 to 12 months of flexible payment terms
• Paying up the loan early incurs no penalty.
• Easy to check the balance.

Cons of ACOM App

However, there are some drawbacks coming with the ACOM Loan App:

• Loan amounts are limited to between 5,000 and 500,000 PHP.
• 10% of the missing amount is charged as a high late payment fee when there is unpaid loan.
• Needs a co-maker who is working and has a bank account.
• Filipino citizens who are working and have a national ID are the only ones who can get it.

ACOM loan interest rate

The interest rate for ACOM loans ranges from 3.315% to 4.563% per month. This means that if you borrow 10,000 pesos, you will pay an interest of 331.50 to 456.30 pesos per month.

The actual interest rate that you will be charged will depend on your credit history and other factors.

Example of ACOM loan calculator

Here is an example of how ACOM loan interest rate is calculated:

• Assume you borrow PHP 10,000 for 6 months at an interest rate of 4.563% per month.

The monthly interest is calculated as follows:

• Principal * Interest rate per month
• PHP 10,000 * 4.563% = PHP 456.30

The total cost for the 6-month is:

• Monthly interest * Number of months
• PHP 456.30 * 6 = PHP 2737.80

The total amount you need to repay is the principal plus the interest, which is:

• PHP 10,000 + PHP 2737.80 = PHP 12,737.80

You can calculate your monthly loan payments using the calculator. Just visit their website and enter the amount of loan you want, the interest rate, and the repayment period.

ACOM loan requirements

The eligibility requirements for an ACOM loan are the same for first-time and second-time borrowers. You must be:

• A Filipino citizen
• 21 to 65 years old
• Employed for at least three months
• Earning at least ₱10,000 monthly
• Have a work landline and personal mobile phone number
• Have a present address within the whole of Luzon

ACOM first loan

The required documents for a first-time ACOM loan app Philippines are:

• A valid government-issued ID
• Not accept loan for unemployed
• Proof of TIN

ACOM 2nd loan

The required documents for a second-time ACOM loan are:

• A valid government-issued ID
• Proof of TIN
• Latest statement of account (SOA) from your previous.

Guide to register Acom Loan Application Step-by-step

Here are some steps to apply for an ACOM loan:

Step #1: Visit the official website

• Go to the ACOM website

Step #2: Apply now

• Press the “APPLY NOW!” button to proceed.

Step #3: Select your loan amount

• Enter the amount of the loan you want and tick to agree to Privacy Policy as well as the Terms and Conditions.
• Then click “APPLY NEW”.

Step #4: Login into your account

• You can choose login by using Google, Facebook, email, Phone or Apple account.

Step #5: Provide your personal info

• Choose your location code and then click “OK”.
• Fill out your name, date of birth, address and other relevant information in the appropriate fields.
• Then press “NEXT” to continue.

Step #6: Give your Work Information

• Enter your income, work situation and other info.
• Then click “NEXT” and adhere to the following prompts on the website to apply for ACOM Loan.

For more details about the application, you can watch these videos:

Reviews Acom online Loan App Feedback

Acom loan is rated 4.2 on Google Play. It is legit and safe, the interest rate is reasonable, an excellent solution for your needs.

• The loan amount is up to 500,000, which is more than other online lenders offer.
• Starting at 3.315% per month, the interest rate is fair.
• The application process is quick and easy, and you don’t need to put up any security.
• However, customer assistance is slow and unhelpful.
• The app also has bugs and sometimes stops working.
• The approval is not a given. It depends on your income and credit background.

Overall, I think that this App is a good choice if you need a lot of money quickly and have a steady income. But get ready for some technology problems and bad service.

You can see some images of customers feedback:

ACOM loan repayment

To pay your ACOM loan, visit any Cliqq Kiosk at 7-Eleven.

• Pick “Bills Payment”, “More Bills”, “Loans”, and then “ACOM”.
• Next, Type in your 11-digit membership number and the cell number you used to sign up.
• Lastly, type in how much you want to pay.
• Now, get the stub and pay at the cash register.

Compare ACOM loan with other App

Comparative criteria	Acom	Juanhand	Unacash
Limits	1.000 – 500.000 pesos	500 – 50000 pesos	1000 – 25000 pesos
Tenor	6 months	3 months – 2 years	3 – 12 months
Interest	3.315% – 4.563%/years	9% – 15%/years	9% – 12%/month
Age	Over 18 years old	Over 18 years old	20 – 70 years old
Browsing time	20 minutes	10 minutes	15 minutes

Sources: Refer to Sate Bank reporting and research.

Acom customer service

Any Acom loan review complaints, You can contact this lender via the following channels:

• Phone number: (02) 5304-5200
• Email: customer_service@ACOM.com.ph
• Address: 10th Floor, 45 San Miguel Bldg, 45 San Miguel Ave, Ortigas Center 1605 Pasig

FAQs – Acom loan

For more information about the ACOM app, follow the frequently asked questions below:

How many days ACOM loan approval?

The ACOM loan approval process can take anywhere from one day to five days, depending on your credit evaluation and verification processes. The shortest processing time is within the day. You will receive an SMS or link as soon as the evaluation is done.

How to pay ACOM loan?

You can pay your loan at a 7-Eleven Cliqq Kiosk, through the Cliqq app, with GCash, Lazada Wallet, Maya, Shopee Pay, or at an ACOM branch. To pay through any of these methods, you’ll need your 11-digit membership number and the cell number used to sign up. Remember loan processing time when paying loans.

Conclusion – Should you Apply to Acom loan Philippines

Overall, ACOM loan reviews is a reliable and convenient option for Filipinos who need a quick loan.

The application procedure is easy to understand, and the interest rates are reasonable.

However, it’s important to note that the maximum amount is 500,000 PHP and the actual amount you can borrow will depend on your credit evaluation.

If you’re looking for a small loan to tide you over until your next paycheck, this lender is a good option to consider.

The article is edited by retailasiaonline.com