Repayment Method
ACOM (M) currently accepts repayments via online bank transfer or cash deposit through our selected banks.
A step-by-step tutorial video is provided to guide you through the repayment process.
FAQs about personal loan
How do I request a full/early settlement?
You may settle before the maturity of your loan at any time without being imposed with a termination fee as there is no lock-in period. However, you must notify ACOM(M) at least 30 days prior to the desired date of full/early repayment and required to make full payment of total outstanding principal and billed interest only.
You may contact us at 03-2382-8050 or send an email directly to customer@acom.com.my before paying off your loan amount.
How to check my monthly installment amount?
You may check your account details on your account page here or you may contact acom at 03-2382-8050.
How will I know if my repayment was received?
Once repayment has been processed, you will receive a confirmation SMS from ACOM(M).
When is my first repayment date?
1. Contract signed before or on the 14th of the month
→The first repayment date will be the 1st of the following month.
2. Contract signed on or after the 15th of the month
→The first repayment date will be the 1st of the subsequence month instead of the following month.
How do I make repayments to ACOM(M)?
Currently, ACOM(M) only accepts repayments via online transfer or bank deposit thru our selected bank. We cannot accept cash over the counter at our office.
How do I request for a refund?
ACOM(M) will contact you via call or SMS. ACOM(M) will refund the excess fund upon confirmed that your account has fully settled with excess funds to be refunded.
If you paid your monthly instalment with excess funds and would like to request a refund before your full settlement, please call us at 03-2382-8050 or send an email to customer@acom.com.my.
What are the major risks if I default on my payment?
A representative may contact you.
You will be required to pay a late payment charge (8.0% per Outstanding installment amount (*1) ). It is calculated daily and charged on the next due date.
Calculation Method
The calculation method for the late payment charge is: "Outstanding installment amount x 8.0% / 365 days x Number of days past due (*2) ".
※1 It means the overdue installment amount or the remaining amount when there is a partial payment.
※2 We provides a grace period of five days from the due date, where late payment charges will not be imposed. However, after the grace period late payment charges will be charged, including the five days.
How to check my repayment due date?
You may check your account details on your account page here or you may contact acom at 03-2382-8050.