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FAQ Guide

How to apply for a loan?
The application process is easy, fast, and convenient. Simply register on the website or mobile app using your active email address and mobile number. Complete the application form and wait for your loan application status to be updated. You can track the current status of your loan on your loan dashboard. Loan applications are available exclusively through the website or mobile app.
What is the application process?
The application process is simple and hassle-free. After you provide the required documents, our credit team will review and verify your application. Once approved, we will discuss the loan terms and schedule the release of your funds. To finalize everything, our team will send you an invitation to visit our office in person to sign the loan documents.
Can an OFW apply for a loan?
Please be advised that we are no longer processing loans for OFW.
Do you accept applicants who are remittance beneficiaries?
Please be advised that we are no longer processing loans for beneficiaries.
What is the status of my application?
To check the status of your loan application, please log in to your loan dashboard.
If you need further assistance, feel free to contact us at any of the numbers below:

Mobile:
0917 328 4072
0939 927 2375
0920 950 8879
0920 972 9492
Landline:
(02) 8518 0112

Operating Hours: Monday to Friday, 8:00 am – 5:00 pm (excluding holidays).
How much money can I borrow?
The loanable amount ranges from Php 15,000 to Php 500,000, depending on the loan product. Please visit the loans page for reference at https://vidalia.com.ph/loans/
How do I make loan payments?
Repayment is via post-dated checks (PDC).
How many months can I repay the loans?
Loan repayment periods range from 3 to 12 months.
What will happen if I am unable to make a payment?
If the Borrower fails to make a timely payment, they will be considered in default, giving the Lender the right to demand immediate repayment of the remaining loan balance without further notice. Any unpaid balance beyond the due date will accrue interest. In the event of legal action, the Borrower will be responsible for attorney's fees amounting to 25% of the total due, along with a 5% annual penalty. Additionally, issuing a check with insufficient funds may result in penalties under Section 1 of Batas Pambansang Blg. 22, known as the Anti-Bouncing Check Law. To avoid such consequences, the Borrower is encouraged to communicate proactively with the collection team to explore settlement options.
Will there be fees for application or processing?
Please be informed that our loan application is FREE, and we do not require an upfront fee to process it. A processing fee is charged only after your loan request has been approved. The processing fee will be deducted from the loan principal.
How long does it take for the application to be processed?
Loan processing typically takes 3-5 business days, but delays may occur if documents are not submitted on time. To make it easier, you can conveniently complete the entire process from home using your phone.
What will happen if I'm not able to settle my loan obligation? When will the company pursue legal action?
If you are unable to repay your loan, rest assured that we will reach out to you first. We prioritize working with you to produce a payment plan that aligns with your current financial situation, helping you meet your legal obligations as outlined in your loan contract. Nonetheless, if all attempts to resolve the matter remain unsuccessful, the company reserves the right to pursue the necessary legal actions to enforce the terms of the contract.
What will happen when my check bounces?
If the Borrower issues a check with insufficient funds, a violation of Section 1 of Batas Pambansa Blg. 22, also known as the Anti-Bouncing Check Law, will apply, and legal consequences may follow.
How much interest do you charge on the loans you're offering?
The applicable monthly interest rates are as follows:
  • Salary Loan: 6%
  • Personal Loan: 6%
  • Business Loan: 4%
  • Small Business Loan: 5%
  • Lite Loan: 6.5%
What are my responsibilities during loan application?
As an applicant, your responsibilities are as follows:
  • Providing accurate details about your income, expenses, employment duration, and assets.
  • Being transparent about any past or current credit issues and declaring all financial obligations.
  • Ensuring all information in your loan application is truthful and accurate.
  • Submitting only accurate and verifiable supporting documents.
  • Carefully reviewing and fully understanding the loan documents before signing.

All submitted documents are subject to verification. Any misrepresentation or falsification may result in the automatic disapproval of your loan application.
What are the loan requirements?
In terms of loan requirements, applicants must provide a valid ID, proof of billing (electricity or water), and proof of income. Additional documents may be requested as needed during the application process.
Is collateral needed when you apply for loan?
All of our loan offerings do not require collateral.
What services do you offer?
We offer a variety of loan products designed to meet different financial needs:
  • Salary Loan – Designed for privately employed individuals.
  • Personal Loan – A multipurpose loan to support your personal financial needs.
  • Business Loan – Tailored for micro business owners looking to expand or manage operations.

To learn more about our loan products, visit our website: https://vidalia.com.ph/loans/
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