Why apply for a salary loan?
A low, fixed-rate salary loan from Vidalia Lending
Get the cash you need to pay for planned expenses and immediate needs.
Medical and Health
Pay your hospital, medical, laboratory, and medicines.
Any type of expense bill
You need to pay your bills.
ALL-PURPOSE CASH NEEDS
You can use a salary loan for other personal reasons.
Pay for your expenses in installments with a salary loan
I needed a salary loan for my urgent budget. I applied online and got the money in 3 days. I'm very happy with their customer service.
How it Works
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
Make sure to fund your issued post-dated checks before the due date.
Loan Features
| Loan Amount | ₱20,000 - ₱100,000 |
| Payment Terms | 3 - 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 ₱20,000.00 monthly net income
- Permanent/Regular Employee
Requirements
- Two (2) Valid IDs (Company ID, Passport, Driver's License, SSS/GSIS, UMID, TIN, PRC, Postal ID)
- Proof of Billing (Electricity or Water)
- 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 our customers are saying
Fast Process and convenient
I applied online using my cellphone, interview and submit requirements on the 2nd day, and got my cash on the 3rd day.
Online loan application rocks!
Took me 2 days to apply online and get the cash at their office.
Fast and great customer service
I applied at night and was interviewed the next day.
Credit decision within 1-2 days
Credit without Collateral
Borrow up to ₱50,000
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 salary loan for. It includes gambling and anything illegal.
It typically takes 3-5 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.
When you get a salary loan at Vidalia Lending, you can choose to pay automatically each month from your bank account or post-dated check (PDC).
Since you have scheduled payments and there's a fixed loan term you will know the exact date when you will be debt-free.