Personal Expenses

Fast cash for urgent money needs available

Jake used a personal loan for urgent medical bills
Jake used a personal loan for urgent medical bills

Personal Expenses

Fast cash for urgent money needs available

Jake used a personal loan for urgent medical bills

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.

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Pay your medical bills and take care of your health.

Major Billings Expenses Image


Your budget was spent elsewhere and you need to pay your bills ASAP.

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You can use a personal loan for other reasonable reasons.

Pay for your sudden expenses in installments with a personal loan

  • Make your purchase, and pay our bills now. Then, pay over time, with one low monthly payment that never increases
  • Apply from the comfort of your own home. Our convenient online application makes it easy
  • You have the flexibility to decide how to use your loan because getting the money is now easier

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.

Vidalia Lending Customer

How it Works

Apply from anywhere. Get your money fast.

Personal Loan


Download our mobile app or sign in to our website to register and fill in all the necessary information.

Personal Loan


We validate your information, conduct a phone interview, and handle document submission via online channels.

Personal Loan


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

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.

Mrs. Perez from Manila

Best way to get a loan

I got the loan that I applied for, and got the cash in 3 days…

Angelo from Paco, Manila
received a loan for housing and others

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.

Anne Pauline from Balintawak, QC
took a loan for medical expenses

Credit decision within 1-2 days

Credit without Collateral

Borrow up to ₱100,000


You have questions. We have answers.

How can I use a personal loan?
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