Collateral Loan

Collateral Loan

Short on Cash? Sangla OR and CR Can Unlock Value in Your Belongings

Collateral Loan

Short on Cash? Sangla OR and CR Can Unlock Value in Your Belongings

Why apply for a Collateral Loan?

Low Rates, High Approval: Get the Funds You Need with a Sangla OR and CR.

Collateral Loan

Home Renovation

Invest in your property by using the loan for renovations, repairs, or upgrades.

Collateral Loan

Business Expansion

Use the funds to invest in your business, whether it's for inventory, equipment, or other growth opportunities.

Collateral Loan

Emergency Expenses

Cover unexpected costs.

Achieve Financial Freedom with Sangla OR & CR

  • Lower Interest Rates: Collateral loans offer lower rates by reducing lender risk, leading to significant savings.
  • Higher Loan Amounts: Secured by assets, collateral loans allow for larger sums, perfect for big expenses or investments.
  • Quick Access: Assets as collateral means faster fund access, ideal for urgent needs like emergencies or investments.

Make Your Goals Happen with Sangla OR & CR

How it Works

Collateral Loan


Download our mobile app or sign in to our website to register and fill in all the necessary information.

Collateral Loan


We validate your information, conduct a phone interview, unit inspection/review, and handle document submission via online channels.

Appliance Loan


Get your loan check at our office from Monday to Friday.

Appliance Loan


Make sure to fund your issued post-dated checks before the due date.

Loan Features

Loan Amount ₱30,000 to ₱150,000
Payment Terms 3 to 12 months
Interest Rate 4% per month
Processing Fee 5% of Loan Amount
Maximum Annual Percentage Rate (APR) 54.40%
Payment Option Post-dated check (PDC)


  • Filipino, 21 - 59 years old
  • Residing within Metro Manila


  • Two(2) valid IDs (Passport, Driver's License, SSS/GSIS, UMID, TIN, PRC, Postal)
  • Proof of Billing
  • Proof of Income
  • Business Owner: Record of Sales - Latest 3 months
  • Employed Individual: Payslips - Latest 2 months
  • *Additional requirements may be requested during the application.
Please make sure that you have read and understood the Terms of Use and the Privacy Policy. Before confirming your loan application, make sure that you have read and agreed to the Disclosure Statement during the loan application process, including the terms and conditions of the loan agreement as per R.A. No. 3765 or the “Truth In Lending Act.



  • Interest Rate - 4% per month
  • Months to Pay - 3, 4, 5, 6, 7, 8, 9, 10, 11, 12 months terms
  • Monthly Amortization - Your monthly payment to Vidalia Lending

*computation results are for estimation purposes only. These do not constitute an approval nor offer by Vidalia Lending. Actual computations will be provided by your Account Officer upon loan application.


Sangla OR and CR give quick access to funds you need without surrendering your vehicle as collateral

Collateral Loan

High loanable amount

The loanable amount is 30,000 - 150,000

Collateral Loan

Low-interest fee

The monthly interest is 4% per month

Collateral Loan

Your car stays with you

No surrendering of vehicle. Just submit your original OR and CR


You have questions. We have answers.

How do I qualify for a Collateral Loan?
What are the requirements for a Collateral Loan application?
How do I pay?
Copyright © 2008- Vidalia Lending Corp.
All Rights Reserved.
Vidalia Lending Corp. is regulated by Securities and Exchange Commission (SEC) with License No. CS200813771 and Certificate of Authority No. 279 issued October 2008. Incorporated with registered office at 6/F Aster Business Center Mandala Park, 312 Shaw Boulevard, Mandaluyong City Metro Manila 1550

Please study the terms and conditions in the Disclosure Statement before proceeding with the loan transaction