Why apply for a lite loan?

Get the fast cash you need to pay for any expenses and cash needs.

Other uses

You can use a lite loan for personal reasons.

Any type of expense bill

You need to pay your bills now.

ALL-PURPOSE CASH NEEDS

You can use it to pay urgent cash needs.

Get a hold of your urgent financial needs

Lite Loan lets you pay urgent bills, cash to buy things, or even supply your daily expenses until payday.
Apply online, and wait for our confirmation within 24 hours.
Get your loan within 2-5 days.

My daily budget fell short a week before our salary, I immediately applied online in Vidalia’s Lite Loan and I was able to get the money right after my loan was approved. That fast! Thank you, Vidalia!

Vidalia Lending Customer

How it Works

APPLY ONLINE

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

CREDIT ASSESSMENT

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

GET YOUR MONEY

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

MAKE REPAYMENT

Pay your loan easily with Gcash.

Loan Features

Loan Amount	₱15,000 fixed
Payment Terms	2 months fixed
Interest Rate	6.50% per month
Processing Fee	5% of Loan Amount
Maximum Annual Percentage Rate (APR)	111.90%
Payment Option	Online Fund/Bank Transfer Bank Over the Counter

Eligibility

Filipino, 21 - 59 years old
Residing within Metro Manila
At least ₱20,000.00 monthly net income for employed applicants
Permanent/regular employee

Requirements

Latest Proof of Billing of Residence: Electric/ Water - 1 month
Valid 2 ID
Latest Payslip - 1 month
*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.

CALCULATE

IMPORTANT NOTICE:

Interest Rate - 6.50% per month
Months to Pay - 2 months fixed
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.

Why Choose Us?

Clear Cost

All costs are shown directly on our website, you may use our online calculator to calculate the amount you need to pay before you decide.

Uncomplicated Process

We have simplified all transactions to make it easier for you to have your needed cash in no time. Just apply online, with no collateral, and no hidden fees.

Quick Funding

Once your loan gets approved, you'll receive the money through a bank check.

Always ready to help – whenever, wherever

We understand your needs and we make sure that all procedures are done online for your convenience. Apply and claim the loan check at our office.

Amenable Terms

In an unexpected occurrence for which the borrower is not at fault, Vidalia Lending may offer a repayment extension depending on the circumstance/s.

Helping is our Top Priority

We offer the best solutions for your Financial needs. You may choose from our Personal, Salary, Business, Small Business, and Lite Loans.

What customers are saying

Very Convenient!

You can apply online even through your phone, their processing associates are also super friendly.

Customer Service was A+

I received a call within 24hrs, I must say their customer representative was very informative and she was able to answer all my questions.

Salamat Vidalia!

I got the money just within 2 days. Vidalia Lending is one reliable source for your finances! Salamat ng marami!

Credit decision within 1-2 days

Credit without Collateral

Borrow fixed ₱12,000

FAQS

You have questions. We have answers.

How can I use a lite loan?

Our Lite Loan is ideal for covering minor urgent expenses, such as:

Settling your utility bills
Making your online purchases
Managing your daily budget
Paying school fees
Handling immediate medical expenses

How fast can I get a loan?

It typically takes 2-5 days to process your request, but it may take longer if you do not submit your documents on time. However, you can complete the process from the comfort of your home using your phone.

How do I pay?

Repaying your loan with Vidalia Lending is simple and convenient. You can make repayments using post-dated checks (PDC) or via GCash. Please note that the mode of payment (MOP) may vary depending on your specific loan product. Ensure your chosen account is funded before the due date to avoid any issues.

Visit Our Help Center