Why use a personal loan for expenses?
Do you need cash to cover planned or unexpected expenses? A low, fixed rate personal loan from Vidalia Lending can be used for almost any personal reasons.
Medical
Pay your medical bills and take care of your health.
Utility bill or rent
Your budget was spent elsewhere and you need to pay your bills ASAP.
other uses
You can use a personal loan for other reasonable reasons.
Pay for your sudden expenses in installments with a personal loan
I needed a quick loan as my relocation budget. I applied and got the money landed in about a week. Couldn't have been easier.
How it works
Apply from anywhere. Get your money fast.
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
We dMake sure to fund your issued post-dated checks before the due date.
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) |
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
Easy Process
I cannot tell you how much I appreciate the ease of your online loan application…this made paying for my daughter’s wedding stress free so that I can relax and enjoy the day.
Best way to get a loan
I got the loan that I applied for, and got the cash in 3 days…
Very fast and easy
My approved loan helped me settle a medical bill. The entire process was fast and easy, from application to receipt of funds.
Credit decision within 1-2 days
Credit without Collateral
Borrow up to ₱100,000
FAQS
You have questions. We have answers.
You can use a personal loan for just about any major expense:
- Weddings and other special events
- Travel
- Unexpected expenses, like car or home repairs
- Medical expenses for you, your family, or your pets
- Taxes that are higher than you expected
There are just a few things you can’t use a personal loan for. It includes gambling and anything illegal.
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.