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 from anywhere. Get your money fast.
Quick online application
Tell us about yourself and how much you want to borrow.
Confirmation of your infos, phone interviews, and submission of documents online.
Get your money
Pick up your loan check at our offices Monday-Friday. Option to deposit to your bank account available.
We deposit the bank checks from you. Make sure its funded before due date.
Borrow up to ₱100,000 and get your money
in as little as 2-5
|Loan Amount||₱20,000 - ₱100,000|
|Payment Terms||2 - 12 months|
|Interest Rate||• 6% per month
• Processing Fee (5%)
• Max Annual Percentage Rate (80.6%)
|Payment Option||Post dated check (PDC)|
- Filipino, 20 - 60 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
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
Loan up to ₱100,000
The answer to your questions.
The money will be on a bank check, you can encash or deposit it to your bank account. bank transfer to your bank account is available upon request. This will give you the freedom to choose where you will spend the loan. It may take a while for the loan to appear in you account depending on your bank.
It depends on what we need from you, it usually takes 2-5 days but it may be longer if you dont submit your docs on time. But you can complete the process from your home and phone
When you get a personal loan at Vidalia , you can choose to pay automatically each month from your bank account, post dated check (PDC). You will receive an email before a couple of days of the payment so you can make sure that your account isn’t empty.
Since you have scheduled payments and there's a fixed loan term you will know the exact date when you will be debt free.