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.

Credit Card Payoff

Free yourself from credit card debt

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

Pay off your credit cards with a personal loan

Less interest rates, more money saved.

Get Fixed Rate Image


We give an affordable fixed rate and a monthly payment that never increases.

Debt Free Date Image


Becoming debt-free is just a 3 to 12-month loan term away.

Payoff Credit Card Image


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

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.

Borrow up to ₱100,000 and get your money
in as little as 2-5 days.

  • Set monthly payments
  • Low interest rates and no hidden fees
  • Pay directly from your bank account
  • Say Goodbye to prepayment penalties

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

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.

Jerry from Makati
paid off his credit cards

Smooth process and fast service

Did not expect how smooth and fast everything would be. I merged all my payments with less stress

Analyn from Caloocan
consolidated her debt

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.

Grace from Mandaluyong
consolidated her debt

Credit decision within 1-2 days

Credit without Collateral

Loan up to ₱100,000


You have questions. We have answers.

How will I get the money?
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