Consolidate your debt with a Personal loan
Simplify your finances and lower your interest rate.
EASY SINGLE PAYMENT
Goodbye to multiple bills and settle the debt in one payment.
Get a fixed rate
No to monthly payment hike, yes to cheap fixed rate.
Better than a credit card
A fixed-rate loan gives a better credit score. Goodbye, high credit card fees.
Managing to find a loan that lets me pay once a month to be able to pay all of my credit cards was a blessing. Now, in three years time I will be debt free and back on track with my life. Never again to credit cards. Thank you.
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
Make sure to fund your issued post-dated checks before the due date.
Loan Features
| Loan Amount | ₱20,000 - ₱100,000 |
| Payment Terms | 3 - 12 months |
| Interest Rate | 6% per month |
| Processing Fee | 5% of Loan Amount |
| Maximum Annual Percentage Rate (APR) | 80.60% |
| Payment Option | Post dated check (PDC) |
Eligibility
- Filipino, 21 - 59 years old
- At least ₱15,000.00 monthly net income for employed applicants and ₱30,000 for self-employed
- Permanent/regular employee
Requirements
- Two(2) valid IDs (Company ID, Passport, Driver's License, SSS/GSIS)
- Proof of Billing (electricity, water, landline)
- Latest 2 months payslips
- Certificate of Employment with Compensation
- *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.
What customers are saying
Debt Merging
Perfect for those who wants to consolidate plus it has a low interest rate. Thanks Vidalia
A financial relief
It is a lot easier to have a single monthly payment for 1 year with a low interest rate than to have different debts. No more penalties and finance charges.
The Future of banking
Just thank you words for Vidalia Lending. With their help, i know now the date when i'll be debt free!
Credit decision within 1-2 days
Credit without Collateral
Borrow up to ₱100,000
FAQS
You have questions. We have answers.
Usually, the interest rates of the customers are lessened by a lot when they borrow a personal loan at Vidalia to merge debts or pay off credit cards. The said loan has a fixed rate and terms therefore monthly payments never change. On top of this you know the date when you will be debt free.
The money will be issued via a bank check, which you can either cash or deposit into your bank account.
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.