How good is Acom's reputation? bad? You can understand ACOM from the merits and demerits!
notebook-laptopWhen choosing a financial institution to borrow money from, Acom is probably one of the options. However, you may be wondering if it is easy to use. On this page, we will look at the merits and demerits based on the reputation of Acom.
What is Acom in the first place? What kind of company and what kind of service?
What kind of company is Acom? What kind of service do you offer?
Acom is a major consumer finance company with a long history. We provide card loans and cash advance services.
(Image = quoted from Acom official)Acom, which is familiar with "First Acom", is a consumer finance company that is trusted and used by many people. Even if you have never used consumer finance before, you may have seen the company name ACOM in commercials or internet advertisements.
We provide card loans and cash advance services, and as of the end of September 2021, the number of users of unsecured consumer loans is 1,503,000, which is extremely large.
Click here to apply for ACOMACOM is a major consumer finance company with Mitsubishi UFJ Financial Group, Inc. as its parent company. The company name is "acom", which is an acronym for "Affection", "Confidence" and "Moderation".
Also, ACOM is headquartered in Marunouchi, founded in 1936 and has a history of over 85 years. As you can see from the number of users, it is a reliable and proven company.
We mainly develop loan business, credit card business, and credit guarantee business.
The main services provided by ACOM are card loans and cash advance services. It can be used not only for business but also for private use.
| Service details | Details |
|---|---|
| Limit | Up to 8 million yen< /td> |
| Actual annual interest rate | 3.0-18.0% |
| Appraisal period (minimum) | < td>30 minutes|
| Time to loan (minimum) | 60 minutes |
| No interest period | 30 days (*1) |
| Convenience store compatible | Available |
| Monthly repayment amount | Calculated using the fixed rate revolving method |
Quoted: As of January 2022 "Acom Official" *1 First time use only. Applicable from the next day after the contract.
Acom calculates monthly repayments using the fixed-rate revolving method. Revolving is commonly known as "revolving payment". With this method, even if you borrowed 100,000 yen in the month before last and 20,000 yen in the last month, the monthly repayment amount will not increase or decrease, and will remain constant.
In the case of a card loan, this is a method of paying with the amount borrowed, and with a credit card, the amount multiplied by a "fixed percentage" of the amount used. (borrowed amount) x (fixed percentage) = each repayment amount "fixed percentage" is determined by the contract.
In ACOM, the "fixed rate" used in the fixed rate revolving method changes depending on the contract maximum amount.
| Maximum Contract Amount | Fixed Rate | |
|---|---|---|
| 300,000 yen or less | < td>4.2% or more of the loan amount||
| More than 300,000 yen and 1 million yen or less | 3.0% or more of the loan amount | |
| More than 1 million yen | 3.0% or more of the borrowing amount2.5% or more of the borrowing amount2.0% or more of the borrowing amount1.5% or more of the borrowing amount | > |
Quote: "Acom | About the repayment amount"
For example, if a person with a fixed rate of 4.2% borrows 200,000 yen, it will be 200,000 yen x 4.2% = 8,400 yen (minimum repayment amount). Fractions of less than 1,000 yen are rounded up, so each repayment amount is 9,000 yen.
You can repay more than the minimum repayment amount according to your convenience.
Summary of good reputation of Acom
What is the reputation of Acom?
You can use it with peace of mind with polite correspondence.
Acom is used by many people. Acom's good reputation is heard from people who actually used it.
Maybe some people have a scary image when they hear consumer finance? Borrowing from the wrong person can cost you a lot of interest for a long time.
However, Acom is a company that you often see in commercials and advertisements. In addition, the parent company, Mitsubishi UFJ Financial Group, Inc., is very well known, and many people say that they can rent with confidence. Many people have a clean image, and even those who are hesitant about consumer finance decided to use Acom.
Acom has a reputation for being very good at responding to calls among major consumer finance companies. ACOM puts a lot of effort into training telephone operators. Therefore, the level of satisfaction with the operator's response is high.
In addition to contract-related matters, if there is anything you do not understand, such as a repayment simulation, the operator will carefully explain it to you. People who use consumer finance for the first time often feel uneasy. Acom's operators are close to the users, so you can feel free to consult them.
There is also a women-only dial. The female staff will take good care of you, so female customers can feel at ease.
Acom also provides many convenient services. Borrowing is available 24 hours a day, 365 days a year via the Internet or telephone. If you have an account with Rakuten Bank, the transfer will be carried out in as little as 1 minute at any time. This is a great service for those who need money quickly.
You can also borrow money from ATMs and convenience stores. For repayment, you can choose a method that suits you, such as the Internet, convenience store ATM, bank transfer, or bank transfer. In this respect as well, convenience is highly appreciated by users.
There are many things that you may be worried about before borrowing, such as how much your monthly repayment will be. Acom also offers services such as repayment simulations and a 3-second speed diagnosis that allows you to quickly find out if you can borrow money. Many people say that they were able to use it without stress with only simple input.
Acom's good reputation is also due to its generous service that eliminates user anxiety.
Acom offers 0 yen interest rate service for 30 days to first-time contract customers. However, please note that it will be applied from "the day after the contract date".
Acom's interest rate ranges from 3.0% to 18.0%. If you borrow 100,000 yen at an interest rate of 18.0% and use it for 30 days, you will have to add 1,479 yen to the amount borrowed and repay it. However, if you use the interest-free service for the first 30 days and can pay off the loan amount within 30 days, you only have to pay back the amount you borrowed, which reduces the burden.
In addition, if you are thinking of short-term borrowing, you can reduce the amount of repayment by paying no interest for 30 days.
Acom completes the screening in as little as 30 minutes, and same-day financing is also possible. I hear a lot of voices that it is very fast and satisfying. If you use the Internet, you can submit your identity verification documents simply by entering the necessary information and uploading the screen of your driver's license, My Number card, etc. It is very convenient for those who want to get a loan quickly because they can complete procedures 24 hours a day, 365 days a year without going to the counter.
However, if you make a contract with Acom exceeding 500,000 yen, or if the total amount of borrowing including other companies exceeds 1,000,000 yen, you will need income certificates such as withholding tax and salary slips. Prepare in advance.
There is an "Acom Card" that can be used for repayment and borrowing. In addition to the card loan function, there is also an "AC Mastercard" with a credit function.
If you use the card, you can easily repay or borrow at convenience store ATMs. Enrollment fee and annual membership fee are free. "AC Mastercard" can be used at Mastercard merchants around the world. It is very convenient because it can be issued on the same day.
Click here to apply for an AC MasterCardIf you lower the credit limit of another company or make repayments without delay, Acom will contact you to review the credit limit. If you build trust, you can increase the limit immediately, so you can think of it as possible to increase the limit even if the initial setting is low.
You can also apply for an increase in quota from the user. In principle, the examination will be completed on the day of application.
Click here to apply for ACOMAcom's Bad Reputation Summary
Acom's Bad Reputation?
There are also voices such as "the borrowing limit is low" and "there are telephones and mail".
While Acom has a good reputation, it also has a bad reputation. I summarized what kind of voice there is.
Acom's interest rate ranges from 3.0% to 18.0% (actual annual rate). The interest rate will be determined at the time of appraisal according to the credit limit.
Bank card loans are 1.8% to 14.6% for Mitsubishi UFJ Bank card loans, and 1.5% to 14.4% for Sumitomo Mitsui Card (transfer only), which are the same or lower than ACOM's interest rates. For this reason, some people feel that Acom's interest rate is a little high.
However, compared to other consumer finance, Aiful's interest rate is 3.0-18.0%, Promise's 4.5-17.8%, SMBC Mobit's 3.0-18.0%, Lake ALSA's 4.5-18.0%, which is not much different from Acom's interest rate. not.
Acom has a maximum credit limit of ¥8,000,000, but not all borrowers can use up to the maximum credit limit. The credit limit is determined on an individual basis based on a comprehensive assessment of income and borrowings from other companies.
Because reliability is low, especially for first-time users, the limit tends to be low. Therefore, many people feel that the limit of use is lower than they thought.
However, with Acom, you can easily increase the limit if you have a certain amount of trust, such as being able to repay by the due date. Even if the initial borrowing limit is low, it is a good idea to make a decision based on the fact that there is room for growth.
If you repeat repayments by the due date, you may receive a call from Acom asking for an increase. If you suddenly get a call, many people will be worried that people around you will find out. ACOM will never disclose the company name or business to anyone other than the person himself/herself.
However, some people may be annoyed if someone later asks what the call was about or who the call was from. In that case, if you request not to receive phone guidance, you will not receive a call from Acom. Please consult the call center.
In addition, you can check the increase information from the member page on the Internet, the notification e-mail, and the ATM screen.
You may receive mail from Acom, such as contracts and cards. The name is "AC Service Center" instead of "Acom". However, if the family accidentally opens it, there is a possibility that the borrowing will be known.
If you do not want to receive the mail, you should pick up the contract/card at the automatic contract machine (Mujinkun) or at the window. You can also choose how you want to receive your card when you sign up online.
Also, if you choose to receive your statement online, it will not be delivered to your home. Log in as a member on the ACOM website and receive your statement from "Check statement" in the member menu. If you want to avoid receiving mail as much as possible, we recommend using this service.
Click here for ACOM's website
If you are worried that the mail will not arrive, you should consult the call center once. They will take care of you how to do it.
Unfortunately, however, you can't avoid the mailing of a reminder letter when your payment is late. Please plan accordingly to avoid delays. If there is an unavoidable reason for delay in repayment, please contact ACOM before the due date. It is important to let us know that you intend to repay.
Acom performs "enrollment confirmation" to confirm whether the user is enrolled at the declared workplace. It seems that many people are worried that the workplace will be suspicious because the person in charge will call the company to confirm.
When you call to confirm your enrollment, you will be contacted by the individual name of the person in charge, not "I am Acom." It seems that there are other ways to confirm enrollment, such as submission. We recommend that you consult with us when you apply. Also, if you have a direct phone number for your department, it would be a good idea to give that phone number.
Furthermore, at ACOM, you can choose whether the person making the call is male or female. You can make requests such as “I prefer a person of the same sex” or “I prefer a man because the person I usually contact for business is a man”, so please consult with us over the phone when you apply.
What are the 6 benefits of using Acom?
What are the benefits of using Acom among the many companies?
There are many advantages, such as the speed of screening and financing, and the ability to use interest-free services for up to 30 days.
There are many other consumer finance companies besides Acom. However, ACOM has been chosen by many people. Let's take a look at why Acom is chosen.
You cannot borrow unless you pass the examination. Many people wonder whether they meet the requirements. With Acom, you can easily check whether you can borrow.
There are only three input items: "age", "annual income", and "card loan status of other companies". It's very easy to understand, so let's check with the 3-second speed diagnosis before taking the examination.
Click here for ACOM's 3-second diagnosis
Acom offers a 0-yen interest rate service for up to 30 days for those who sign up for the first time. If you pay it back within that period, you only have to pay back the amount you borrowed. For those who want to borrow short-term, the 30-day interest-free service will reduce the burden.
However, this service will be applied from the day after the contract date. Therefore, the interest rate of 0 yen is not applicable to the amount borrowed on the contract date. If you want to use the service effectively, complete the contract the day before you actually want to borrow.
This service is also for unsecured card loans. It does not apply to other contracts such as credit or refinancing loans.
It would be best if you could repay everything within the 30-day 0-yen period, but it is possible to continue repaying after the period. In that case, the normal interest rate will be charged for the number of days until the repayment date on the balance at the end of the applicable period of zero interest rate.
As shown in the image, there is a balance of 20,000 yen at the end of the 0-yen interest rate period, and the interest rate is 18.0%, and it will be paid off in 30 days. Then the repayment amount will be 20,295 yen. If you reduce the balance as much as possible during the period when the interest rate of 0 yen is applied, you will be able to reduce the amount that is added as a regular interest rate.
Acom completes the screening in as little as 30 minutes and can receive a loan in as little as 60 minutes. This is a great service for those who want to borrow quickly due to sudden expenses. At other financial institutions, it may take several days from application to borrowing.
With Acom, you can borrow in the shortest two steps of "application" and "contract". If you apply online or by phone, which can be accepted 24 hours a day, 365 days a year, you can shorten the procedure up to signing a contract at an automatic contract machine (Mujinkun) or at the counter.
In addition, even if there is something you do not understand about the application or contract, the operator at ACOM will respond politely. Therefore, you can proceed smoothly from application to contract and borrowing.
As you can see from the reviews, we are very satisfied with the speed of the screening and borrowing process.
Click here to apply for AcomAcom has a very high maximum loan limit of 8 million yen. How much an individual can borrow is basically determined by a screening process.
Not everyone can get a loan of 8 million yen. In order to prevent over-borrowing and over-lending, the total amount of borrowings is restricted so that the outstanding balance does not exceed one-third of the annual income. This is not limited to ACOM. Even if you borrow money from multiple consumer finance companies, the law stipulates that the total amount borrowed should not exceed one-third of your annual income.
Therefore, if you want to get the maximum loan amount of up to 8 million yen, you need an annual income of 24 million yen. The limit is determined according to your annual income and borrowing status from other financial institutions.
(Image = Quoted from "Acom | Smartphone App")Acom has an "Acom Official App" that can be repaid and used on a smartphone. Using this app, you can transfer money to a financial institution account in the name of the user. Transfers can be completed in as little as 1 minute at any time, 24 hours a day, depending on the financial institution, with no fees. Even if you need to borrow money immediately, you can easily transfer using the app.
Because you can check your bank statement from the app, no documents will be mailed to your home. There are many other useful functions in the ACOM official app.
This is a very useful app and is recommended for both beginners and those who are already using Acom.
Click here to use the ACOM official app
Acom can apply online. Even if you don't have time to go to a store counter or an automatic contract machine, or if you are worried that someone you know won't see it, you can complete everything from application to contract using the Internet.
Also, if you apply online, it takes as little as 30 minutes for the screening process, and you can get a loan on the same day. Applications can be made 24 hours a day, 365 days a year, so you can use it for urgent borrowing.
Disadvantages of using Acom
Are there any disadvantages of Acom?
There may be disadvantages such as the date of starting the interest-free service the day after the contract date, the issuance of loan cards, and the unavailability of minors.
Acom has many merits, but there are also demerits. Let's look at three main drawbacks.
This is a 30-day 0-yen interest rate service that can be used by first-time users, but it does not apply to the amount borrowed on the day of the contract. The service will start from the next day after the contract date. In other words, those who need a lump sum loan on the day of the contract will not be able to benefit from this service.
If you want to use the 0 yen interest rate service for 30 days, complete the contract by the day before you need to borrow. However, please plan ahead so that the contract date is too early and the actual borrowing date is just before the end of the 0 yen interest rate service or has passed.
If the borrowing and repayment are completed within the period of the interest rate 0 yen service, no interest will be charged, but if the repayment is not completed within the service period, normal interest will be charged on the balance at the end of the period.
For example, if you borrow 300,000 yen just before the end of the service period with an interest rate of 0 yen, and the service period ends without making any repayments, the normal interest rate will be applied to the balance of 300,000 yen.
Acom will issue a card after signing a contract. You can pick it up at the counter, use an automatic contract machine (Mujinkun), or have it mailed to your home. However, some people who want to borrow immediately after signing the contract may not have time to go to pick up the card.
Don't worry. At Acom, you can use card loans even before you receive your card.
You can request a transfer to a financial institution account in the user's name from the member's menu on the Internet. No fees, available 24 hours a day, 365 days a year. Depending on the financial institution you use, the time it takes to complete the transfer will vary, but if you have a Rakuten Bank account, the transfer will always be completed in as little as one minute.
It is necessary to issue a card, but it does not mean that you cannot borrow without a card. If you are in a hurry, please use the Internet.
Acom stipulates that those who can use this service must be between the ages of 20 and 69. Therefore, minors cannot use it. But this is not limited to Acom.
Many consumer finance and bank card loans are available for ages 20 and over. If you are a minor, you have to find a way to borrow other than a card loan.
Recommended people to use Acom
What kind of people do you recommend Acom to?
Recommended for various people, such as those who want to use it immediately and those who want to simplify the procedure for increasing the amount.
Based on the advantages and disadvantages of Acom, let's take a look at what kind of people are recommended.
Acom is recommended for those who work during the day and cannot find time on weekdays, or for those who need money immediately for sudden expenses.
With Acom, you can apply anytime, 24 hours a day, 365 days a year. Borrowings and repayments can be made at any time using the Internet or ATMs. With a minimum of 30 minutes for contract screening and a minimum of 60 minutes for borrowing, it is extremely quick to respond, meeting the needs of those who suddenly need funds.
It is also a nice point that there are no fees when borrowing or repaying.
According to the "Monthly Report for the fiscal year ending March 2022 (November 2021)" published by Acom, 44.3% of new applicants to ACOM successfully passed the examination and signed a contract. . This is a high figure compared to other consumer finance.
| Business name | Number of new applications | Contract rate |
|---|---|---|
| Acom | 50,377 | 44.3% |
| Aiful*1 | 61,101 | 32.0% |
| SMBC Consumer Finance (Promise SMBC Mobit)*2 | 46,052 | 40.7% |
| Shinsei Bank (Lake ALSA)*3 | 35,800 | 35.2% |
*1 Quote: "Aiful monthly data for the fiscal year ending March 31, 2022 (November 2021)" *2 Quote: "SMBC Consumer Finance monthly data for the fiscal year ending March 31, 2022 ( November 2021)” *3 Quote: “Shinsei Bank Quarterly Earnings Information 2021 First Half (September 2021)”
Financial institutions have their own standards for screening. Even if you fail the examination of other companies, it does not mean that you will fail the examination of ACOM. Even if you did not pass the screening at other financial institutions, you should try applying again at Acom.
However, although Acom's closing rate is high, it does not mean that the examination is lenient. Only those who have a stable income and are judged to have the ability to repay can proceed to the contract. There are various other criteria, and those who have already borrowed a lot from other companies may not be able to pass the examination.
Acom has lowered the borrowing limit of other companies, and guides people who are paying back by the repayment date to increase the credit limit. Therefore, it is a nice point that it is easy to increase compared to other companies.
However, not everyone who receives a request for an increase can do so. A new review is required for any increase. In principle, the results of this examination will be known on the day of application.
・List of methods for increasing the amount of ACOM
There are many ways to request an increase. Please note that the reception time is fixed depending on the type of application.
| Application type | Reception hours |
|---|---|
| Telephone (Acom General Card Loan Desk) | < td>9:00〜18:00|
| Member page (Internet) | 24 hours |
| Acom ATMs | 24 hours |
| Automated contract machine (Mujinkun) | 9:00-21:00 (all year round) Open year-round, except year-end and New Year holidays) *2 td> |
Quote: "Acom | Available amount and method of increasing amount" *1< will be the answer. *2 Click here to apply for ACOM
Let's use a repayment simulation before applying to Acom
What will be the monthly repayment amount after borrowing?
Let's use the repayment simulation to see how much it will cost.
Acom can easily perform a repayment simulation on the Internet. Let's take a look at a case where a 35-year-old man borrows 100,000, 200,000, and 300,000. Let's assume that the maximum contract amount is 500,000, the borrowing rate is 18.0%, and the loan is paid off once a month in half a year.
If you borrowed 100,000 yen, if you set a schedule to pay it off in half a year, the monthly repayment amount will be 17,522 yen.
The interest is 5,312 yen for the principal of 100,000 yen. The sooner you pay off your loan, the less interest you will pay.
For example, if you repay the loan in 3 months, the monthly repayment amount will be 34,338 yen, but the total interest will be 3,014 yen. If you schedule to repay in 9 months, the monthly repayment amount is 11,960 yen and the cumulative interest is 7,645 yen.
Click here for ACOM's repayment simulation
If you borrow 200,000 yen and plan to pay it off in half a year, the monthly repayment amount will be 35,105 yen. The interest portion was 10,627 yen.
(Image = Quoted from "Acom | Repayment Simulation")If you schedule to pay off in 3 months, the monthly repayment amount will be 68,676 yen and the cumulative interest will be 6,028 yen. In the case of 9 months, the monthly repayment amount is 23,921 yen and the interest is 15,295 yen. Also, if you pay it off in one year, the monthly repayment amount will be 18,335 yen and the interest will be 20,27 yen.
Click here for ACOM's repayment simulation
If you borrow 300,000 yen and pay it off in half a year, the monthly repayment amount will be 52,657 yen. The interest is 15,943 yen.
(Image = Quoted from "Acom | Repayment Simulation")If the loan is paid off in 3 months, the monthly repayment amount will be 103,014 yen and the interest will be 9,044 yen. If you pay it off in 9 months, the monthly repayment amount is 35,882 yen and the interest is 22,943 yen. If the loan is paid off in one year, the monthly repayment amount of 27,503 yen will cost a total of 30,440 yen in interest.
The earlier you pay off the loan, the less interest you will have to pay, but the most important thing is to pay it back without overdoing it. Even if the monthly repayment amount is small, it is possible to make a lump sum repayment when there is a large income such as a bonus. Stick to your repayment deadlines and plan your repayments accordingly.
Click here for ACOM's repayment simulation
List of comparisons between Acom and other companies
There are many other consumer finance companies besides Acom. What makes ACOM different from other companies? Let's take a look at a list of the five major companies, including Aiful.
| Company name | Appraisal time (minimum) | Limit | Interest rate | Interest-free period | Enrollment confirmation |
|---|---|---|---|---|---|
| Acom | 30 minutes | 8 million yen | < td>3.0-18.0%30 days for initial contract only | Phone | |
| Aiful | 25 minutes | 8 million yen | 3.0~18.0% | 30 days for initial contract only | Documents | Promise | 15 seconds | 5 million yen | 4.5~17.8% | 30 days for initial contract only | td>Phone |
| Lake ALSA | 15 seconds | 5 million yen | 4.5〜 18.0% | 60 days for initial contract only or 180 days for up to 50,000 yen of loan amount | Phone |
| SMBC Mobit< /td> | 30 minutes | 8 million yen | 3.0-18.0% | None | Documents | < /tr>
As of January 7, 2022
Let's take a closer look at each item.
The minimum review time for any company is within 30 minutes. The shortest 15 seconds is the result of the provisional examination, and additional time is required for the final examination.
Acom can take a 3-second speed diagnosis before applying. Just enter a simple item to find out if you can borrow. If you are worried about whether you can pass the examination, it is recommended to take this speed diagnosis once.
Click here for Acom's 3-second speed diagnosis
The maximum limit is 8,000,000 yen, which Acom is offering. However, the amount that can be borrowed is determined for each user, so not everyone can borrow 8 million yen. Let's watch out.
Interest rates don't change much at any company. The interest rate will be determined mainly at the time of appraisal. Acom tends to have lower interest rates as the amount borrowed increases, but it is recommended that first-timers consider that the maximum interest rate will be applied.
Interest-free period services are provided for first-time subscribers with companies other than SMBC Mobit. Since there are detailed conditions for application, please be sure to check the conditions before using.
It is essential to confirm the user's enrollment in order to use a card loan. Many companies will call your place of employment to verify your employment status.
Acom also confirms enrollment by phone. Since the person in charge of making the call will never claim to be Acom, it is unlikely that they will find out that you are using a card loan at work, but if they find out, some people may be worried.
If you consult with Acom at the time of application, they may be able to confirm your enrollment in writing. If you are reluctant to receive a phone call, please feel free to contact us.
Explanation of how to use Acom by application method
How should I apply when using Acom?
You can apply by any of the following methods: "Internet", "store counter", "automatic contract machine", "telephone", or "mail".
Acom can apply in various ways. Let's take a closer look at each method.
If you use the Internet, you can apply from anywhere, 24 hours a day, 365 days a year. It is very convenient because everything up to the contract is completed on the Internet. It only takes 3 steps from application to screening.
- Enter the required information from the application form
- Log in from the URL described in the email sent from Acom and submit the required documents < li>Wait for the review to complete
You will need a driver's license or My Number card to verify your identity. Also, if you want to borrow more than 500,000 yen, or if the total amount of borrowing including other companies exceeds 1 million yen, you will need an income certificate.
Documents can be submitted in a variety of ways. You can choose the method that suits you.
Click here to apply for ACOMThis is how to apply at the ACOM counter. You can complete your application in just 2 steps. If you apply at the store counter, you can complete the contract procedure after the examination is completed, and you can complete the receipt of the Acom card or AC master card on the spot.
- Bring identification documents and go to the counter
- Once you get the results of the screening, proceed with the contract procedure
500,000 yen If you want to borrow more than , or if the total amount of borrowing including other companies exceeds 1 million yen, please bring your income certificate together.
Business hours are from 9:30 to 18:00 on weekdays. Please note that we are closed on weekends and holidays.
Click here if you want to search for ACOM stores
Acom has installed automatic contract machines (Mujinkun) throughout the country that can handle everything from application to contract. Even those who are reluctant to talk to people face-to-face can use it with confidence. If there is something you don't understand, the operator will kindly help you.
If you use an automatic contract machine, you can apply in two steps. After completing the contract procedure, you can also receive an Acom card or AC master card on the spot.
- Bring identification documents and go to the automatic contract machine
- Once you get the screening results, proceed to the contract procedure
Automatic Even if you use a contract machine, if you want to borrow more than 500,000 yen or if the total amount of borrowing including other companies exceeds 1 million yen, you need an income certificate. Please prepare in advance and bring it with you.
Business hours of automatic contract machines are from 9:00 to 21:00. It is open all year round (except for the year-end and New Year holidays), but the business hours may differ depending on the store. Please check in advance.
Click here if you want to search for automatic contract machines
Acom can apply by phone. Available 24 hours a day, 365 days a year. Applying by phone is a two-step process. However, please note that the contract procedure cannot be done over the phone.
- Call the toll-free number (0120-07-1000)
- After completing the examination, complete the contract procedure via the Internet, store counter, automatic contract machine, or mail li>
If you call after 6:00 p.m., you will receive an answer on the following day as to whether or not your application can be reviewed. If you want to sign a contract in a hurry, we recommend applying by other methods.
Click here if you want to apply to Acom by phone
Acom can also apply by mail, but you must call the toll-free number first to request the application documents. Applying by mail is a 3-step process.
- Contact the toll-free number (0120-07-1000) and request the application form
- When you receive the application form, fill in the necessary information, enclose the necessary documents, and send them to ACOM.
- After completing the screening and contract procedures, the contract and card will be mailed to you, and you will either log in as a member or contact us by phone
Consider carefully and apply. This is a recommended method for those who want to do so or who do not have Acom nearby.
If you want to apply to Acom by mail, click here.
How to get a same day loan with Acom
What should I do to get a same day loan with Acom?
Acom's business hours are from 9:00 to 21:00. Apply by 20:00 at the latest.
Some of you may be thinking of getting a loan today. In order to receive a same day loan, the application must be completed on the same day. The examination time of ACOM is from 9:00 to 21:00. Apply by 20:00. After 20:00, the examination may be postponed to the next day. We recommend that you apply as early as possible, as the screening process may take some time.
There are several ways to apply for ACOM, but we recommend using the Internet or telephone. Especially with the Internet, you can complete the contract on the web.
After the contract is completed, you can borrow at any time for 24 hours by using "borrowing by bank transfer" from the Internet. The amount of time it takes to transfer money varies depending on the financial institution to which the money is to be transferred, but if you have a Rakuten Bank account, the transfer will be completed in as little as one minute.
Introducing ACOM's examination standards and features
What kind of things do you look for in ACOM's examination?
It will be checked whether there is a stable income and whether there are any problems with past borrowing.
Whether or not you can pass the examination is the number one concern for those who want to borrow. What criteria does ACOM use in judging? Let's take a look at the points that pass the examination.
A stable income is an important aspect of any consumer finance. If it is judged that you have the ability to repay, there is a high possibility that you will pass the examination.
Conversely, even if you have a certain amount of annual income, if you get a big job every few months, it may not be considered a stable income.
Financial institutions can view the credit information of applicants. Therefore, those who did not make repayments at the time of borrowing in the past or who were significantly delayed will not pass the examination. This applies not only to consumer finance, but also to information related to all financial institutions such as banks and credit card companies.
It refers to information about contracts and applications for credit and loans. If there is a delay for 2 months or more in a row, or if there are multiple applications (4 or more in a month), you will be posted as a "blacklist". The posting period is 5 years after the loan is paid off.
The amount you can borrow depends on your income. Since there is a total amount regulation, you cannot borrow more than 1/3 of your income. If you have already borrowed a lot from other companies, you may not be able to pass the examination.
What are the characteristics of those who fail ACOM's screening?
What kind of people fail ACOM's screening?
If you have already borrowed a large amount from another company, or if you have been late in repaying a previous loan, it will be difficult for you to pass the screening.
Acom's examination focuses on two points: "stable income" and "ability to repay".
For this reason, ACOM has set the target age for use as 20 to 69 years old. Those who do not fall under the target age cannot pass the examination. In addition, "unemployed" and "full-time housewives" who have no income cannot pass the examination. If you have already borrowed a large amount from other companies, or if you have a repayment delay due to past borrowings, it may be judged that your repayment ability is not sufficient.
In addition, if the application information is incomplete, there is a possibility that you may be distrustful that you have intentionally entered incorrect information. When applying, be sure to carefully check that there are no defects.
Characteristics of people with high ACOM usage limits
What kind of people have high usage limits?
If you are judged to have the ability to repay even a large loan, such as those who have a high income, have worked for a company for a long time, or have never been in arrears, the limit will be relatively high.
Even if you pass the screening, the credit limit may be lower or higher than you wanted. Let's take a look at the characteristics of people with high credit limits.
According to the total amount regulation, the amount that can be borrowed by an individual is limited to 1/3 of the annual income. Therefore, those with an annual income of 3 million yen can only borrow up to 1 million yen, and those with an annual income of 6 million yen can only borrow up to 2 million yen.
Actually, there are few cases where the limit is set to the full extent of one-third of the annual income, but the higher the annual income, the higher the limit is set.
Acom will set a higher credit limit for those who are judged to have a high repayment capacity. It is not disclosed what items determine the amount, but the credit limit is definitely higher for those with a stable job.
In particular, those who work as "public servants" or "regular employees" are likely to be judged to have a stable job. Jobs with national qualifications such as “doctor” and “lawyer” are also highly evaluated.
It is a characteristic of those who have a long service life and a high credit limit. If you repeatedly change jobs and have a short number of years of service, it is judged that it will be difficult to secure a "stable income" in the future. If you have been working for a long time, you will be more likely to be highly evaluated if you can expect the same income from the same workplace in the future.
The total amount regulation is not only for Acom, but also for borrowing from other companies. If the borrowing amount from other companies is small, it is possible to increase the borrowing limit at Acom.
Credit is important for borrowing. Unless you can trust that this person will definitely pay you back, the limit will not increase. If you actually borrowed several times with Acom and paid it back firmly by the repayment date, you will be notified of an increase in the credit limit.
Even if the usage limit is small at the beginning of the contract, it is possible to increase the usage amount if you gain trust.
Characteristics of people with low ACOM usage limits
What kind of people have low usage limits?
If your repayment ability is judged to be low or if you have unfavorable information on your credit report, your credit limit will be lower. The same applies if the borrowing amount of other companies is large.
Some people feel that the credit limit was lower than they wanted, even though they passed the review. What are the benefits of having a low credit limit? Let's look at them in order.
It is not disclosed how Acom judges repayment ability. However, it is said that many card loan companies judge repayment ability by scoring.
There are other points to be judged, but the repayment ability is judged from the above items and the credit limit is set. Those with lower credit limits may have scored lower on this scoring.
If there is a problem when borrowing from another company, or if there is a delay in repayment even by one day, it will greatly affect the determination of repayment ability. Personal credit information includes not only card loans, but also bank and credit card usage information. Planned use is required on a daily basis.
The total volume regulation, which stipulates that borrowings are limited to one-third of the income, is calculated including borrowings from not only Acom but also other companies. Therefore, if you borrow a lot from companies other than Acom, the amount you can borrow from Acom will be lower.
With Acom, anyone can use card loans and cash advance services with peace of mind
Acom is a consumer finance company that is trusted by many people for its courteous service. The screening can be completed in as little as 30 minutes, and you can receive a loan on the same day, so it meets the needs of people who want to borrow immediately.
If there is something you don't understand or have any concerns when applying, the operator will be very polite and empathetic, so even if you are using it for the first time, you can rest assured. Various considerations have been made to protect privacy, and there is almost no possibility that it will be known to those around you.
If you want to use a card loan or cash advance service, but are unsure about many things, please try using Acom.
Click here to apply for ACOM. If you continue to use the service with questions left unanswered, you may end up with an unexpected loss later. If you have any questions, please contact the ACOM call center directly. The operator will explain carefully.Here are some frequently asked questions when using ACOM.
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