Investing in Personal Loans and Business Loans

Our peer to peer investing platform avoid the risk and work of direct lending. We manage your capital earning fixed returns guaranteed and secured by Vidalia.

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Money from investors are combined with capital of the company for loan funding
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Loan Fund
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The combined funds are used for disbursement to personal, salary, business and small business loans.
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Your Loan Investment

How investing works

Getting started with Vidalia Lending.

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1. Open an account

Creating an account is fast and simple. Apply online from anywhere.

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2. Fund the account

Transfer as little as ₱5,000 to Vidalia Lending account by cash or check, wire transfer, online banking.

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3. Received confirmation

Email confirmation after account activation. Option for postal mail delivered to your address available.

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4. Earning

Get your capital + earnings on maturity date. Premium account enjoy monthly return deposited to your bank.

Benefits of manage peer to peer Lending

Investing in the loans we offer secured by Vidalia Lending gives you solid and assured cash returns.

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Fixed, guaranteed returns

Placement terms of 2,3,6,9,12 months are given fixed % rate. No need to worry if loan borrowers repays or not.

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ROI guarranted

Loan investment gives you stable, predictable earnings for a given term. Your capital + fixed interest rate = guaranteed by Vidalia Lending

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Monthly cash flow

Investors can enjoy regular cash flow if you opt for higher placement. Monthly interest earnings are deposited to your bank account.

500 +


16,000 +


₱ Millions +


Here’s how the math works

Here's a hypothetical example on how loan investment works for investors. You won't lose money since Vidalia lending will secure your capital. You dont have to worry if borrowers repay the loans or not. Loan selection, approval, and collection is on us.

Average interest rate of loans in portfolio1
Loan Fees (processing, late payment)2
Overhead Cost 3
Estimated charge-offs and borrower defaults4
Investor guaranteed return5
Annualized Net Return for Vidalia
= 64%

1 - average interest of 6% per month X 6 months. terms are 3,6,9,12 months

2 - processing fees is 5% of approved loan, late payment penalty income is 2%.

3 - cost of running business (rent, salary, tax, etc)

4 - It is inevitable that some loans will be charge-off. Those are non performing loan (NPL) and will handled by our recovery and legal team. We may still collect from these accounts.

5 - represents the weighted average interest rate given to the investments accounts of the investors

A person invested ₱10,000 for 6 months (8.5% return), earning ₱10,850 to the investor. A loan borrower took a 6 month term loan resulting in ₱4,200.00 gross income and ₱3,150.00 net income for Vidalia Lending. Loan renewal will result in 2X of the gross/net income.

Check How Much You Can Earn

Join these investors and earn solid and guaranteed returns

  • Customer Testimonails

    I was able to join even though I'm an OFW in Dubai. All procedures were done online so I didn't need to go to Manila to sign docs. They give option to send me a bank check or bank wire transfer as future payment.

    Alex B.
  • Customer Testimonails

    Last year I pulled out from a bank and invested here. The return interest for a year of 18% is amazing! Now, i'm just waiting for the maturity date so i can deposit and encash the bank check they gave me.

    Patricia M.
  • Customer Testimonails

    I lost most of my money when I tried stock trading. I learned about the loan investment program of Vidalia. I didn’t need to worry like I’m in the stock market because the 9% return for 6 months is guaranteed.

    Mark C.
  • Customer Testimonails

    I am a businessman from Cebu who invested some of my funds to Vidalia Lending. I prefer the 1 year ROI than bank time deposits (1.5%) and corporate bonds (5%). I also get my monthly earnings deposited straight to my bank!

    Daniel T.
  • Customer Testimonails

    I tried informal lending to my officemates and friends. But after I heard about the investment program, I joined because I can now lend money and protected by the security of the company. and I don’t have to handle the marketing and the collection.” No more worries about non payment of borrowers

    Kevin D.
  • Customer Testimonails

    I’m earning 3.5% on 3 months placement term. I just email them to rollover the placement before maturity if i want to continue. Very convenient, online process is available to send and receive the money.

    William S.

Send me more information on how investing works

Vidalia Lending will secure your investment against loan default. With manage peer to peer investing model you get guaranteed fixed interest on your chosen term. Our team will handle the loan process from start to finish.

Copyright © 2008-2019 Vidalia Lending Corp.
All Rights Reserved.
Vidalia Lending Corp. is authorised and regulated by Securities and Exchange Commission (SEC) with License No. CS200813771 issued October 2008. Vidalia Lending is incorporated with registered office at Unit 601 Summit One Tower #530 Shaw Boulevard Mandaluyong City, Metro Manila Philippines