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.
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.
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.
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.
- Interest Rate - 6% per month
- Months to Pay - 2, 3, 6, 9, 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 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
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
How can we help?
You have questions. We have answers.
You can use a personal loan for just about any major expense:
- Weddings and other special events
- 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, including investments, gambling, education after high school, and anything illegal.
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.