Use a personal loan for major events and expenses
Getting a low, fixed-rate personal loan through Vidalia is ideal than using a high-interest credit card when making a large purchase. In addition to this, a personal loan can be used for unplanned or planned investments.
FINANCE YOUR SPECIAL DAY
Weddings can be expensive. Minimize financial stress with a personal loan.
PLAN A DREAM VACATION
No matter where your wanderlust takes you, a personal loan can be a responsible way to pay for your trip.
COVER AN UNEXPECTED EXPENSE
If life throws something unexpected your way, a personal loan can help you control your debt and your finances.
Pay for your purchase in installments with a personal loan
The same week I applied for a loan the same week I got it in my back account. Needed the loan for a major purchase. Thanks Vidalia Lending
How it Works
Fast Money. Easy application.
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) | Maximum Annual Percentage Rate (APR) |
| 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
Simple Process
Their simple online application is a blessing. It was a lot easier to pay for my daughter’s wedding dress thanks to Vidalia. It was stress free.
The best out there
I applied for a loan and got it fast now I can buy that motorcycle I have been eyeing for awhile now.
Swift and Clear
The small loans that I got helped me with paying off high interest personal loans and pay off a medical bill. The process was swift and clear, from the start to finish..
Credit decision within 1-2 days
Credit without Collateral
Borrow up to ₱100,000
FAQS
You have questions. We have answers.
You have the freedom to use your personal loan on any major expense:
- Travel
- Taxes
- Medical expenses
- Weddings
- Special events
However, you can’t use a personal loan for anything illegal or gambling.
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.
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.