β οΈ BORROW RESPONSIBLY: Late payments or defaulting on your loan obligations can lead to additional penalty fees, interest, collection activities, and severely damage your credit rating with the Credit Information Corporation (CIC). Never borrow more than you can afford to repay.
Legal Information and Financial Transparency
Operator Details & SEC Compliance: This platform is operated by Contact Loans Philippines Inc.. We are a registered credit aggregator and comparator and are not a direct lender. We work exclusively with SEC-registered lending partners. All featured lenders are licensed and hold valid Certificates of Authority (CA). Lenders are required by law to provide you with a Disclosure Statement outlining all charges and interest before you accept a loan contract.
Repayment periods: Minimum and maximum terms for repayment vary by lender and offer, strictly ranging between a minimum of 61 days and a maximum of 12 months.
Annual Percentage Rate (APR) and Fees: Interest rates and APR are set independently by lenders based on your credit profile. The APR can range from 0% (for promo offers for new clients) up to 180% per annum. The representative APR equivalent does not exceed 180%. Lenders may charge a processing fee (typically between β±200 and β±800) which will be clearly stated in your contract.
Representative example: If you borrow β±10,000 for a term of 3 months (90 days) with a monthly interest rate of 5% and a one-time processing fee of 5% (β±500), the total interest generated would be β±1,500. The total amount to return at the end of the term would be β±12,000 (β±10,000 principal + β±1,500 interest + β±500 processing fee). Representative APR: 80%.
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