Credit Card Payoff

Free yourself from credit card debt

Alex used a personal loan from Vidalia Lending to pay off his credit cards.
Alex used a personal loan from Vidalia Lending to pay off his credit cards.

Debt Consolidation

Take control of your debt

Jerry and Annalyn used a personal loan from Vidalia Lending to consolidate debt of their credit cards.

Consolidate your debt with a Personal loan

Simplify your finances and lower your interest rate.

Easy Single Payment Image


Goodbye to multiple bills and settle the debt in one payment.

Fixed Rate Image


No to monthly payment hike, yes to cheap fixed rate.

Better Than Credit Card Image


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.

Vidalia Customer

How it Works


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


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


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

Personal Loan


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



  • Interest Rate - 6% 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.

Loan Features

Loan Amount ₱20,000 - ₱100,000
Payment Terms 3 to 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)


  • 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


  • 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

Jocel from Pasay City
consolidated her debt

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.

Janet from Quezon city
consolidated her debt

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!

Joel from Novaliches
consolidated his debt

Credit decision within 1-2 days

Credit without Collateral

Loan up to ₱100,000


You have questions. We have answers.

How much do I save by consolidating my debt?
How will I get the money?
How fast can I get a loan?
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