Pay off your credit cards with a personal loan
Less interest rates, more money saved.
Get a fixed rate
We give an affordable fixed rate and a monthly payment that never increases.
Mark that Debt free date
Becoming debt-free is just a 3 to 12-month loan term away.
Pay off your credit cards ASAP
Swap your high-interest credit card debt for a fixed-rate loan.
I saved a lot of money by taking out a loan to pay off my credit cards. Now I have lesser monthly payments. This plays in my favor even though I was already making extra payments to the companies to pay down
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.
Borrow up to ₱100,000 and get your money
in as little as 2-5
days.
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
Goodbye high credit card debt
The loan was a lot cheaper and was easier to pay off than credit cards. Now my debts are more manageable.
Smooth process and fast service
Did not expect how smooth and fast everything would be. I merged all my payments with less stress
Fast and Simple
Fast and Simple. Two words to describe the process. After a couple of days the money was in my account and was able to remodel ASAP.
Credit decision within 1-2 days
Credit without Collateral
Borrow up to ₱100,000
FAQS
You have questions. We have answers.
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.
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.