Major Expenses

Finance your big plans with low rates

Ella enrolled to a after work school classes.
Ella enrolled to a after work school classes.

Major Expenses

Finance your big plans with low rates

Ella enrolled to a after work school classes.

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 Image


Weddings can be expensive. Minimize financial stress with a personal loan.

Plan A Dream Vacation Image


No matter where your wanderlust takes you, a personal loan can be a responsible way to pay for your trip.

Cover An Unexpected Expense Image


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

  • Personal loans have a low monthly payment that doesn’t increase so you can purchase now and pay over time.
  • You don’t have to leave the comfort of your home because we provide a convenient online application.
  • You’ll have total freedom on what to use the loan for since the money will be directly deposited into your bank account.

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

Vidalia Customer

How it Works

Fast Money. Easy application.


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

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.

Mother of the bride from Sta. Mesa received a loan to help pay for daughter’s wedding

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.

Nestor R. from Pasig
received a loan to help buy his bike

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.

Karen from Ortigas
consolidated her debt

Credit decision within 1-2 days

Credit without Collateral

Loan up to ₱100,000


You have questions. We have answers.

Where can I use my personal loan?
How fast can I get a loan?
How do I pay?
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