With
the rise of technology nowadays, buying or purchasing had been made easier
without leaving the comfort of your homes. You can just simply shop online on
various shopping websites being offered on the internet. And this made our new
discovery of a new and rising shopping website that is offers a wide variety of
products like watches, gadgets and appliances.
AKULAKU.
Akulaku
is originally based in Malaysia and paved its way here in the Philippines to
offer Filipinos an easy, reliable and efficient way of purchasing products
online, not to mention the 0% interest offer on its installment purchases even
without credit cards.
So
let me share our own Akulaku experience to let people know that legitimate apps
like this exists.
How
does Akulaku work?
What
do you need to qualify?
How long will the process be?
Like
any other mobile app, of course you need to download the application first from
your smart phone. Just look for “Akulaku” and choose your country.
- Download the app.
- If asked for the referral code, put: VUX4I to get Php 200 discount on your purchase
- Go to Personal Tab
After installing
the app, you will need to register using your email and you will be asked to
submit your requirements. You can just take a photo of each of the requirements then upload it directly on the registration form.
The
requirements are as follows:
·
Company ID
·
Government ID
·
One month recent
payslip
·
3 specimen signature
(on a single sheet of paper)
·
Debit / ATM card
(should be showing your name as the account holder)
After
submitting all the necessary requirements, you will need to wait for a phone
call from Akulaku for the verification, usually done in less than 24 hours.
Once
verification is successful, you have to check your Akulaku account to see how
much credit limit was allotted for you to make your very first purchase.
Upon
knowing your credit limit, you can now choose the product you would like to
purchase with the convenience of selecting your preferred payment terms.
Akulaku offers flexible payment terms such as 3 months, 6 months, 9 months and
even up to one year.
Question:
What if the price of
the product I want is more than or beyond the credit limit that was given to
me?
Though
on some instances, your chosen purchase is more than the allotted credit limit,
it doesn’t mean that you can no longer avail the product that you want. You can
just include the excess amount on the down payment that will be required. For
example:
Product Price: P26,500
Credit Limit: P25,000
Down payment: P1,000
*In this scenario, the product
is more than P1,500 than the credit limit. The difference of P1,500 will be
added to the down payment of P1,000. So the total upfront down payment will be
P2,500.
After
finalizing your purchase, you can now make or send your down payments to their
DragonPay payment channel. It can either be made through SM Payment Centers,
Affiliated Banks such as BPI and BDO.
After
payment was done, you just need to wait for the confirmation and delivery. Make
sure you check your Akulaku account for the notification. Once notification was
received, your product will be delivered within 24-48 hours. Yep, that fast!
So to sum it up, the entire process will only take a maximum of 3 days for you to purchase and receive your desired product.
**
I’m really not a fan of online shopping or transactions made through the
internet. Aside from the risk of being scammed, we are really not sure if the
products they are offering are legit, authentic or original. But this whole
Akulaku experience changed my perspective. There are really legit, reliable and
honest transactions that can be done with just the use of your mobile phone and
internet.
Thanks
Akulaku for letting me have my dream phone! - Zenphone 3
Hi, where can i submit the all the papers ( requirements )?
ReplyDeleteyou can just upload it within the app too... just take a picture.
DeleteHi is it possible to upload all the requirements covering the id numbers and atm account number?
ReplyDeletehello i just wanted to ask what should i put on the identity document no.?
ReplyDeletehello, what if i don't have the recent one month payslip?
ReplyDeletecause my crap agency!
Thanks for sharing this information. Fully Help Me... Western Kurtis
ReplyDeleteWhy it keeps on asking me for a verification code which I don't have yet.
ReplyDeleteVerification code will be sent via SMS. So make sure you type in your correct mobile number
Deletehow to edit my profile???wrong bday & gender. how to delete account???
ReplyDeleteI was able to register successfully and was given a 15k credit limit without sending any requirements. Is that okay? Is it still legit o scam?
ReplyDeleteRegister is different from verification. Once you register you will still have to undergo verification process.
DeleteThis comment has been removed by the author.
ReplyDeletemy phone can't download your app.. can i download it on my laptop?
ReplyDeletewhy they didn't accept my SSS ID?
ReplyDeleteIts been 3 days already but i still did not receive a call if my application is successful..
ReplyDeleteHow I can reupload my document. It says that I need to reupload. But when I click reapply it routed to " one tap submit" if I click that automatically completed the process without me reuploading my document.
ReplyDeleteI dont get how the credit limit goes -,- can use it to down pay the item or what? I sorry just a moob with this stuff.
ReplyDeleteI just want to share, Legit ung app and smooth ang transactions ko so far. Ngayon ko lang nalaman na pwede ka naman pala mag exceed sa credit limit basta included sa DP mo ung excess. Thanks sa info.
ReplyDeletehow much credit will akulaku give at first? lets sau of i have a salary ok 10k?
ReplyDeleteSo If I have CL of 15k and the item is 22k with 2k MI for 12mos, with the DP of 6k + excess CL pf 7k, my DP will be 13k. Do I still have to pay 2k monthly or they are going to deduct my 7k from the MI that will make my MI lower than 2k per month? Coz If not, from the total price of 30k including all the interests for 12months, it will become 37k, a total scam.
ReplyDeleteYou will see all the computations including monthly installment before you check out the product so they're transparent. In my case, credit limit is 10k but product value is 13,990 I had to pay recalculated DP + Excess of credit limit. But I notice that I have to pay 2353 more than the full price advertised. That means the 'full price' is for CASH only, what you'll pay in total after instalments is a little more than that.
DeleteHow can i re aply in akulaku?!
ReplyDeletePano po kaya ung saken napindot ko ung confirm delivery. Ang nakalagay tuloy saken ay delivered na kahit nd pa. Kanina lang nagsabi na for deliver na eh tapos pinidot ko ung confirm. Matatanggap ko pa kaya ung item ko
ReplyDeleteNarecieve mo ba yung item ? I did the same mistake eh
DeleteI have mo sss number i am govt worker can.i order
ReplyDeleteMagkano po ang salary ninyo na dineklara bago kayo nabigyan ng approval na 17,500 credit limit? Please let me know para po alam ko ang gagawin before i apply for loan,thanks
ReplyDeleteMagkano po yung salary or income na dineklara po ninyo before you are approved for 17,500 credit limit? I hope i can get qn answer regarding on my inquiry,thanks
ReplyDeleteAko po ay sss pensioner na cause of Parkinson's hirap po akong makalakad nakawheelchair po ako.ang tinatanggap Kong pension monthly is 2,890.00 now qualify po ba ako sa aking credit installment plan na gadget na Huawei Y6 2019 3gb+32gb down payment is s 1,074 then 693 monthly good 1 year by payment.. pls.txt bk if I'm qualified to do this...
ReplyDeleteTayo pa pala ang mag babayad ng down payment sa akulaku?? Anong purpose ng credit limit pala pag ganun? Sana may mka sakot fot enlightenment 😊😊😆
ReplyDeleteThank you..
The app does not allow me to do any installment, what should i do? Maybe you can help me
ReplyDeleteits always sss id number format incorrect, what is d correct format using umid id
ReplyDeleteproblem with sss id number format incorrect what is the correcr format for sss/umid id?
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