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
Claim your money fast. Easy application.
Quick online application
Tell us about yourself and how much you want to borrow.
Confirmation of your infos, phone interviews, and submission of documents online.
Get your money
Pick up your loan check at our offices Monday-Friday. Option to deposit to your bank account available.
We deposit the bank checks from you. Make sure its funded before due date.
- Interest Rate - 6% per month
- Months to Pay - 2, 3, 6, 9, 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.
|Loan Amount||₱20,000 - ₱100,000|
|Payment Terms||2 - 12 months|
|Interest Rate||• 6% per month
• Processing Fee (5%)
• Max Annual Percentage Rate (80.6%)
|Payment Option||Post dated check (PDC)|
- Filipino, 20 - 60 years old
- At least ₱15,000.00 monthly net income for employed applicants and ₱30,000 for self-employed
- Permanent/regular employee
- 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
What customers are saying
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
Loan up to ₱100,000
The answer to your questions.
Usually the interest rates of the customers are lessen 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 on a bank check, you can encash or deposit it to your bank account. bank transfer to your bank account is available upon request. This will give you the freedom to choose where you will spend the loan. It may take a while for the loan to appear in you account depending on your bank.
It depends on what we need from you, it usually takes 2-5 days but it may be longer if you dont submit your docs on time. But you can complete the process from your home and phone