Have you applied for a loan from acom.com.my?
Pernahkah anda memohon pinjaman daripada acom.com.my?
If you have previously applied for a loan & dealt with acom.com.my before, please share with us your experience so that the general public can benefit.
Jika sebelum ini anda pernah memohon pinjaman & berurusan dengan acom.com.my, sila kongsikan dengan kami pengalaman anda supaya orang ramai dapat manfaat.
Our goal is to help promote a healthy lending culture, and protect our readers from getting scammed by scammers as well as super high loan interest rates charged by unlicensed money lenders.
Matlamat kami adalah untuk membantu mendorong budaya pinjaman yang sihat dan melindungi pembaca kami daripada ditipu oleh penipu serta elakkan kadar faedah pinjaman yang cekik darah yang dikenakan oleh along/ceti/loansharks/lintah darat.
1. Adakah acom.com.my memegang lesen pemberi pinjam wang yang sah? Is acom.com.my a legitimate lender that holds a proper money lender license and is it regulated by Bank Negara or KPKT?
2. Adakah acom.com.my scammer? Adakah mereka meminta yuran upfront atau deposit atau processing fee? Is acom.com.my a scammer? Do they request processing fees or upfront deposits or charges before approving your loan? Are they regulated by the proper governing bodies in Malaysia?
3. Berapa kadar faedah yang dikenakan? Adakah kadar bunga pinjaman yang dikenakan ke atas pinjaman anda terlalu tinggi & membebankan? How high is the interest rate? Is the interest charged by acom.com.my excessive and burdening? Please do share.
4. Adakahacom.com.my sebenarnya pemberi pinjaman wang yang tidak berlesen (Ah Long, Lintah Darat, Ceti Haram)? Is acom.com.my actually run by loan sharks?
Sila Memahami Empat Kategori Pemberi Pinjaman di Malaysia Sebelum Anda Memohon Pinjaman
Jika anda ingin memohon pinjaman di Malaysia, sila memahami empat kumpulan utama pemberi pinjaman bagi mengelakkan masalah kewangan dan penipuan.
1. Bank & Institusi Kewangan (Selamat & Dikawal Selia)
- Termasuk bank komersial, bank koperasi, dan institusi kewangan berlesen yang dikawal oleh Bank Negara Malaysia (BNM).
- Menawarkan pinjaman bercagar dan tidak bercagar dengan kadar faedah yang lebih rendah dan perlindungan undang-undang.
- Pilihan terbaik untuk meminjam jika anda memenuhi syarat kelayakan.
2. Pemberi Pinjaman Berlesen (Sah tetapi Kadar Faedah Lebih Tinggi)
- Berlesen di bawah Akta Pemberi Pinjam Wang 1951 dan dikawal selia oleh KPKT.
- Kelulusan pinjaman lebih cepat berbanding bank tetapi dengan kadar faedah yang lebih tinggi.
- Sesuai untuk mereka yang tidak layak memohon pinjaman bank tetapi masih ingin memilih pilihan pinjaman yang sah dan terkawal.
3. Pemberi Pinjaman Tidak Berlesen & Ah Long (Haram & Berbahaya)
- Beroperasi secara haram dengan kadar faedah yang melampau (pinjaman along).
- Menggunakan taktik ugutan, gangguan, dan ancaman untuk kutipan hutang.
- Elakkan sama sekali kerana meminjam daripada mereka boleh membawa masalah kewangan dan undang-undang yang serius.
4. Penipu (Scammer) – Menyamar sebagai Pemberi Pinjaman Sah
- Penipu ini berpura-pura menjadi bank atau pemberi pinjaman berlesen.
- Matlamat mereka adalah untuk menipu wang anda melalui caj pendahuluan seperti “yuran pemprosesan,” “yuran insurans,” “yuran LHDN,” atau “deposit awal” tanpa memberikan sebarang pinjaman.
- Tanda-tanda penipuan termasuk meminta bayaran pendahuluan sebelum meluluskan pinjaman, menggunakan WhatsApp/Telegram sebagai saluran komunikasi utama, dan enggan berjumpa secara fizikal.
Bagaimana Meminjam dengan Selamat?
✅ Cuba bank dahulu – Jika layak, pinjaman bank adalah pilihan terbaik kerana ia mempunyai risiko paling rendah dan kadar faedah terbaik.
✅ Pertimbangkan pemberi pinjaman berlesen – Jika pinjaman bank tidak lulus, anda boleh mencuba pemberi pinjaman berlesen, tetapi pastikan anda semak status mereka di KPKT.
❌ Elakkan ah long sama sekali – Mereka mungkin nampak seperti penyelesaian mudah, tetapi mereka akan memerangkap anda dalam kitaran hutang dan ancaman berterusan.
⚠️ Berhati-hati dengan scammer – Jangan sekali-kali membayar yuran pendahuluan sebelum menerima pinjaman dan pastikan anda menyemak identiti pemberi pinjaman sebelum meneruskan permohonan.
Lindungi diri anda dengan membuat keputusan kewangan yang bijak. Jika anda ragu-ragu mengenai pemberi pinjaman, semak ulasan di JustDuit.com.my sebelum memohon! 🚀
Understanding the Four Groups of Lenders in Malaysia
When looking for a loan in Malaysia, it’s important to understand the four main groups of lenders to avoid financial pitfalls and scams.
1. Banks & Financial Institutions (Safe & Regulated)
- These include commercial banks, cooperative banks, and licensed financial institutions regulated by Bank Negara Malaysia (BNM).
- They offer secured and unsecured loans with relatively low interest rates and legal protections.
- Best option for borrowing if you meet the eligibility criteria.
2. Licensed Money Lenders (Regulated but Higher Interest)
- Licensed under the Moneylenders Act 1951 and regulated by KPKT.
- Offer faster loan approvals compared to banks but with higher interest rates.
- Suitable for those who may not qualify for bank loans but still want a legal and regulated lending option.
3. Unlicensed Money Lenders & Loan Sharks (Illegal & Dangerous)
- Operate outside the law with extremely high interest rates (loan sharking).
- Use intimidation tactics, harassment, and threats for debt collection.
- Avoid at all costs as borrowing from them can lead to serious financial and legal troubles.
4. Scammers (Fraudulent & Deceptive)
- These are fake lenders who pretend to be banks or licensed money lenders.
- Their goal is to scam you out of upfront fees (e.g., “processing fees,” “insurance fees,” “LHDN fees,” or “deposit fees”) without ever providing a loan.
- Warning signs include requiring upfront payments, using WhatsApp/Telegram instead of official channels, and refusing face-to-face meetings.
How to Borrow Safely
✅ Try banks first – If you qualify, always opt for a bank loan as it offers the lowest risk and best interest rates.
✅ Explore licensed money lenders – If banks reject your application, you may consider licensed money lenders but always verify their legitimacy with KPKT.
❌ Avoid loan sharks at all costs – They may seem like an easy solution, but they will trap you in a cycle of debt and intimidation.
⚠️ Be cautious of scammers – Never pay upfront fees before receiving a loan, and always verify the lender’s identity before proceeding.
Protect yourself by staying informed and making smart financial decisions. If you’re unsure about a lender, check reviews on JustDuit.com.my before applying! 🚀