Home Improvement

Make your current house your dream home

Shiela took a personal loan through Vidalia Lending to re-paint the interior of her family’s home.
Shiela took a personal loan through Vidalia Lending to re-paint the interior of her family’s home.

Home Improvement

Make your current home your dream home

Shiela took a personal loan through Vidalia Lending to re-paint the interior of her family’s home.

Get a Personal loan for home improvement

Getting a personal loan will enable you to use the money as you fit. It also means getting the worth of your credit worthiness than the value of your house.

Build Your Dream House Image


Make the dream house your current house.

Be Disaster Ready Image


Have that extra cash for when you need repairs done.

Nature Friendly House Image


Save Mother Earth and save money when you install energy-efficient tools.

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

I have taken out loans from others before but it was a terrible experience. Thanks to Vidalia Lending my dining room is fixed and credit cards are paid. It was easy and hassle-free. Now I always get a good night's sleep.

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.

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

Impressive processing speed

Applied in 5 minutes online and got the money 5 days after. Vidalia save me from going through all the hassle

Rose M. from Batanes
received a loan to improve her home

Hassle free process

The process was smooth and easy. It was hassle free. The loan that I got was used to upgrade my kitchen and miscellaneous bills. Thank you Vidalia

Chrissy G. from Taguig City
Home Improvement

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.

Alex from Manila
received a loan to improve his home

Credit decision within 1-2 days

Credit without Collateral

Loan up to ₱100,000


You have questions. We have answers.

Why get a personal loan for a home project?
How will I get the money?
How fast can I get a loan?
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