Loans (up to ₱10,000 for 30 days), Instant Emergency Cash Loans (funds in as fast as 15 minutes), Personal Loans (up to ₱50,000 for home repairs, tuition, or small business), Pre-Approved Credit Lines (up to ₱30,000 you can tap anytime), and Fully Online Loans (up to ₱20,000 with secure digital processing).

Loan amounts depend on your credit profile, but you can generally borrow up to ₱50,000 in one application with a positive credit history. Repayment terms range from 30 days to 12 months. We also run special 30-day 0% interest promotions for quick payback, while longer terms let you spread payments into affordable monthly installments.

You must be at least 18 years old, have a valid government-issued ID (PhilID, Driver's License, or Passport), and show recent proof of address (utility bill or barangay certificate within three months). You'll also need proof of income (payslips or bank statements) and an active GCash or bank account (for disbursement). Some express loans may only require minimal income documentation and electronic identity verification.

Yes. We use alternative credit scoring that looks at your bank transactions and utility payments. If your credit record is limited or negative, you may still qualify for smaller amounts or with a co-borrower. Payroll loans tied to your employment can also be approved with minimal credit checks.

After you submit your online application and upload documents, our system instantly verifies your identity and credit score using automated algorithms. You'll receive a personalized loan offer—inclusive of amount, rate, and term—in under two minutes. Once you accept and e-sign, funds are disbursed to your GCash or bank account within minutes.

Once approved and signed, funds are transferred via GCash or bank deposit (InstaPay/PESONet). Because the entire process is digital, most borrowers have money in their account in as little as 15 minutes, and no more than two hours—even outside traditional banking hours.

Annual interest rates range from 0% to 36%, depending on your profile, loan amount, and term. There are no hidden fees—everything is clearly stated upfront. Late repayments incur a penalty of 3% of the overdue balance per month. If you miss payments by 90 days, you may be reported to the Credit Information Corporation. You're free to make early or partial repayments anytime without penalty, reducing future interest and shortening your term.

We use bank-grade SSL/TLS encryption to secure your data. Our electronic signature system ensures only you can authorize your loan. We fully comply with the Philippine Data Privacy Act (RA 10173), so your information is used solely for loan processing and never shared without your consent.

You can repay via GCash or bank transfer (InstaPay/PESONet) using the account details in your contract. You may also set up auto-debit for seamless payment on due dates. For cash payments, we support Bayad Centers, 7-Eleven, and other partner outlets—just use your reference number to ensure the payment applies correctly.

Yes. You may make full or partial early repayments at any time without charge; paying down principal reduces your interest costs and shortens your term. To change your due date, submit a request at least 48 hours before payment via your online portal or email support—usually at no extra cost.