How to Apply ACOM Cash Loan Online

ACOM is a Philippines-based financial institution that offers cash loans to individuals and businesses. ACOM’s Cebu branch specializes in providing a variety of loan products to meet the needs of its customers. The company offers short-term, medium-term, and long-term loans with competitive rates and flexible repayment options.

Also Read: How to Apply Right Choice Finance Loan

With its strong customer service reputation and transparent lending process, ACOM has become one of the leading providers of cash loans in Cebu City.

how to apply for ACOM cash loan online

What is ACOM?

ACOM was incorporated in 1978 and has since become one of the leading providers of consumer credit in Japan. ACOM offers a variety of loan products to help meet needs such as home renovation, medical expenses, travel or holiday plans, wedding expenses, and more. The company also offers flexible repayment terms and competitive interest rates.

ACOM was also the first operator which provided the 24 hours a day services via selected ATMs in 1979 and introduced the MUJINKUN automatic loan application machines in 1993. In 1998, ACOM was approved as a principal member of MasterCard International, becoming the first consumer finance company in Japan to obtain a license to issue a credit card under the MasterCard name.

Mitsubishi UFJ Financial Group Inc. (“MUFG”) is the major shareholder of ACOM, holding 40.20% of its total paid-up registered capital as of June 30, 2017, which signifies stable support of ACOM’s business. ACOM was interested in entering into the consumer finance business in Thailand, and also has gained the trust of its joint venture partners to take a major role in management and operation due to its expertise and experience in a similar type of business in Japan.

ACOM’s Mission, Vision, and Values

Mission: Develop the Philippines’ economy and financial businesses to provide a better quality of life for all citizens.

Vision: Their goal is to be the leading provider of unsecured personal loans in the Philippines.

Values: Learn about unsecured loans in Japan and how they can benefit the Philippines. This new form of financing is faster and more efficient than what currently exists in the Philippines.


  • You must be a Filipino citizen ranging from 21 to 65 yrs. old
  • Employed and must have stayed with the current company for at least 3 months
  • Must have at least a Salary range of ₱7,000 per month
  • Has an existing company landline phone & personal mobile

Note If working under an agency, provide an Original Certificate of Employment or Employee ID issued by the Agency.


  1.  1. Valid Govt. Issued ID: (PHILSYS ID, SSS, GSIS, UMID, Passport, Driver’s License, Postal ID, Voter’s ID, PRC, NBI Clearance)
  2. Proof of Employment: COE or Company ID, and Latest Payslip within 15 days or BIR2316
  3. C. Proof of TIN: TIN Card, Recent BIR 2316, Company ID, Payslip

How to Process ACOM Loan Lending Online

Applying at ACOM is as easy as 123. You can apply online or visit a booth or branch near you.

  1. Prepare your government ID. Proof of employment and TIN.
  2. Since ACOM is located in Manila, there are no branches here in Cebu. What I could suggest is to apply online. You can download the ACOM app via Google play and fill out the form.
  3. You can click on this link to be able to apply online:
  4. Once approved, your loan amount will be deposited to your bank.

Video: ACOM Cash Loan Philippines

Check out this video of a vlogger who shares her experience in applying for an ACOM Cash Loan in Cebu. Learn how to make the most out of your loan application, from preparing the necessary documents to completing the online form.

ACOM Cash Loan Philippines provides convenient access to cash loans through its secure online platform. Please be advised that there are interest rates starting at 5% per month.

How to Use ACOM SMS Service

To get a loan, simply text ACOMLOAN (with no spaces) and send it to 09176261063 (Globe number) or 09088114439 (Smart number).

A text menu will appear on your screen.

Please select a number from 1-5 and reply with your selection.

*NOTE: You will need your Membership Number and Mobile Number to access this service. Your eleven-digit Membership Number can be found on your contract or SOA*sent to you via email, and make sure to use the number with no spaces. mobile Number must match the one you provided on your application sheet.

*If your contract’s Membership Number is not 11-digit (ex. 1 12345 or 100 12345), please add ‘0’ (ex. 00010012345 or 01000012345)

How to Check Balance & Available loanable Amount-

  1. Reply “1”
  2. Then text “BAL [space] Membership No. [space] Mobile No.” and send to 09176261063 (Globe) or 09088114439 (Smart).
  3. SAMPLE: BAL 00010543210 09127654321

How to check your Required Payment and Due Date

  1. Reply “2“
  2. Then text “REPAY [space] Membership No. [space] Mobile No.” and send to 09176261063 (Globe) or 09088114439 (Smart).
  3. SAMPLE: REPAY 00010543210 09127654321

How to Request Additional Loan: (Loan unit – 1.00php)

  1. Reply “3“
  2. Then text “ADD [space] Membership No. [space] Mobile No. [space] Amount [space] Receiving Channel (LBC/BANK/GCash/PayMaya)” and send to 09176261063 (Globe) or 09088114439 (Smart).
  3. SAMPLE: ADD 00010543210 09127654321 400 LBC

How to Update your Personal Information

  1. Reply “4“
  2. Then text “UPDATE [space] Membership No. [space] Mobile No. [space] Detail” and send to 09176261063 (Globe) or 09088114439 (Smart).
  3. SAMPLE: UPDATE 00010543210 09127654321 Please update my mobile number to 09XXXXXXXXX

Other Inquiries

  1. Reply “5“
  2. Other Inquiries

Frequently Asked Questions

1. How much money can I borrow?

This would be up to PHP 5,000,000. However, the amount would vary on the result of your credit evaluation.

2. Are there any deductions from the loan amount?

There is a PHP1,000 Processing fee and a PHP500 Lendingfee.

3. How much is the interest rate?

If you pay your Statement of Account early, the monthly interest rate decreases from 4.563% to 3.315%.

5. How to claim my ACOM Loan?

You can find it through the channels listed below:

  • LBC Branch
  • Personal Bank Account via Dragonpay
  • GCash
  • PayMaya

You will receive an SMS notification from LBC and Dragonpay when your funds have been processed and are available. The best time to check in is in the evening, after 6 pm.

6. Do I need a Co-maker/ Collateral?

No. You don’t need to owe any particular person or entity for repayment.

7. Do I need a bank account?

No registration for your bank account is necessary to claim money at LBC branch, MAYA, or GCash.

8. Why choose ACOM?

  • ACOM is duly registered and authorized by the SEC.
  • They have flexible payment terms, you can borrow more money and use it throughout one contract.
  • You can make your monthly payment at any time and in any amount until the due date.
  • No need to have a Co-maker and Collateral

9. Where do I pay my monthly dues?

You can pay ACOM through the following channels:

  • Bayad Center
  • Cliqq App by 7-Eleven
  • Cliqq Kiosk (7-Eleven)
  • GCash
  • Lazada Wallet
  • PayMaya
  • Shopee Pay

How to pay my monthly dues?

Bayad Center

  1. Get Bayad Center Transaction Form
  2. Write Name
  3. Write Biller as ACOM Consumer Finance Corporation
  4. Write ACOM Registered Mobile No.
  5. Write Amount
  6. Enter 11-Digit Membership No. (eg. 00010123456)
  7. Availability: 8 AM – 5 PM
  8. Fee: 15 PHP

CLiQQ App 7- Eleven

  1. Click Pay Bills
  2. Click Loans
  3. Choose ACOM
  4. Enter 11-Digit Membership No. (eg. 00010123456)
  5. Enter ACOM Registered Mobile No.
  6. Enter Amount
  7. Availability: 24/7

CliQQ Kiosk 7- Eleven

  1. Go to 7-Eleven Cliqq Kiosk
  2. Click Bills Payment
  3. Click More Bills
  4. Loans
  5. Choose ACOM
  6. Enter 11-Digit Membership No. (eg. 00010123456)
  7. Enter ACOM Registered Mobile No.
  8. Enter Amount
  9. Input Mobile No. for Receiving
  10. Verify
  11. Receive Stub
  12. Go to Counter for Payment
  13. Availability: 24/7

Payment thru GCASH

  1. Click Bills
  2. Click Loans
  3. Choose ACOM
  4. Enter 11-Digit Membership No. (eg. 00010123456)
  5. Enter ACOM Registered Mobile No.
  6. Enter Amount
  7. Enter E-mail Address
  8. Availability: 24/7

Lazada Wallet

  1. Click Load, Bills & eCoupon
  2. Click Bills
  3. Click Loans
  4. Choose ACOM
  5. Enter 11-Digit Membership No. (eg. 00010123456)
  6. Enter ACOM Registered Mobile No.
  7. Enter Amount
  8. Availability: 24/7
  9. Fee: 15 PHP


  1. Click Bills
  2. Click Loans
  3. Choose ACOM
  4. Enter 11-Digit Membership No. (eg. 00010123456)
  5. Enter Amount
  6. Enter ACOM Registered Mobile No.
  7. Availability: 24/7

Shopee Pay

  1. Click Load, Bills & Travel
  2. Click Loans
  3. Choose ACOM Consumer Finance Corporation
  4. Enter 11-Digit Membership No. (eg. 00010123456)
  5. Enter ACOM Registered Mobile No.
  6. Enter Amount
  7. Availability: 24/7
  8. Fee: 15 PHP

Terms and Conditions (“Terms”) of ACOM

The terms and conditions of a contract are the rules, specifications, and requirements that must be met to use the site or app.

This information was most recently updated on September 18, 2021.

Note that by accessing and utilizing the ACOM website, you are agreeing to be bound by these Terms and Conditions. If you have any questions about our Terms and Conditions, please contact ACOM.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.

Loans- To take advantage of their loan products (‘Loans’) available through this Service, ACOM may ask you for some information pertinent to your loan application. This can include – but is not limited to – data such as your name, address, and contact number.


By confirming this, you agree that all of the information provided to ACOM by you is accurate and up-to-date, without any misleading, deceptive, or inaccurate elements.

By agreeing to this, you allow ACOM to send SMS and email reminders. However, ACOM is not responsible for the safety of your phone or email account administration and it is up to the borrower to maintain these accounts responsibly.

By agreeing to these terms, you permit ACOM to collect the Borrower’s personal information from credit information centers, third parties, and any other reliable sources. The personal information obtained will be used for things like credit checks and confirming employment. You also agree to waive any rights given to you under R.A 1405.

By reading and continuing, you agree to the following:

  1. The regular submission and sharing of your credit information with Credit Information Corporation (“CIC”), as well as any updates to this data;
  2. Sharing your credit information with other lenders authorized by CIC, as well as credit reporting agencies accredited by them.

You confirm that neither you nor any immediate family members are located in a foreign country and occupy crucial positions such as heads of state, government officials, central bankers, or similar institutions (including those who held such positions in the past).

If you apply for their loan or use their mobile application, you expressly allow ACOM app to take your mobile handset information as but not limited to the mobile number. In addition, they will ask you to fill out forms with your personal information including name and address.


By providing the contact information of your reference, you are authorizing ACOM to reach out for screening, investigation, and verification purposes.


By entering your information, you agree to our privacy policy located at

By continuing, you agree to allow ACOM to process the personal and sensitive information in your application according to Republic Act No. 10173, also known as the Data Privacy Act. They need this information to consider your loan application and implement the Loan Agreement if you are approved.

You hereby grant ACOM and its Affiliates (collectively, the “Companies”) permission to collect, organize, store, update or modify, retrieve, use, consolidate, block erase or destroy your Personal Information as required to process and approve your loan application.

The Companies are allowed to collect, store, update, modify, retrieve, use, consolidate or destroy your information as part of the requirements for processing your loan application.


You may use their service to post, store, share and distribute certain content including but not limited to text, graphics, and videos (“Content”). You are responsible for how you use the Content.

Links to Other Web Sites

Their Service may contain links to third-party websites or services that ACOM Consumer Finance Corporation does not own or control. ACOM Consumer Finance Corporation has no control over and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. ACOM Consumer Finance Corporation is not, by any means, responsible for any indirect or direct damage done to you or your belongings. This inclusively applies to anything that may have been lost and any damage caused through the use of such content, goods, and services from websites outside our control.


ACOM may revise these Terms at any time at our discretion. If the revision is substantive, they will attempt to provide notice 30 days beforehand whenever possible. What will be deemed a substantial change is up to us alone to decide.

Contact Information

If you have any questions about these Terms, please contact ACOM.

You can now message ACOM on Facebook 24/7!

  • Mobile:
    • Globe: 0917-713-9761 (For Calls Only)
    • Smart: 0919-077-6787 (For Calls Only)
  • Phone representatives are on limited headcount due to government mandate, calls will take longer to answer.
  • Mon-Fri 9:00 AM-6:00 PM
  • Email:

You may also like their social media account to get updates:

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