FastMoney

Useful Information

How do I apply for an interest-free loan through fastmoney.ph?

Once you enter your information into the form, fastmoney.ph will start searching for lenders that meet your needs. If we find a match, you will be redirected to the lender’s website to review the offer. You do not have any obligation to accept any offer, and you can simply decline any that doesn’t work for you. Please be sure that you have fully read and understood the lender’s terms and conditions before accepting their offer. They will be displayed clearly before you can agree to proceed.

Is fastmoney.ph free?

You will NEVER have to pay for our services. fastmoney.ph is 100% free.

How much money will I get?

Currently, the largest loan you can take through fastmoney.ph is ₱ 25 000. However, that cap may increase in the future.

What are the requirements to get a loan through fastmoney.ph?

Each institution has its own borrower requirements. Overall, you must be a citizen of the Philippines over the age of 18 with a valid SSS, TIN, or UMID card; you must also have a source of income and be able to provide a valid debit card or bank account number.

I’ve got a few blemishes in my credit history. Can I apply?

Our lenders strive to serve all customers, no matter their history or circumstances. They will consider your ability to make payments along with your credit history.

Can I pay off my loan early?

Yes, you can repay your loan at any point before it expires.

What can I do if I canot repay my loan?

If you are unable to repay your loan, this means you cannot perform your loan obligations. Late payments or delinquencies may negatively affect your ability to borrow any money. Please reach out to your lender immediately if you think you cannot pay on time.

How do I pay my loan back?

Each lender has their own process and will send you all the information you need to make your payments. Repaying loans is simple and can often be done through direct transfer, by creditor debit card, or by depositing money to a specified bank account. You should follow the instructions your lender gives you and make payments on time to avoid additional charges.

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Responsible Lending Policy

fastmoney.ph matches loan offers to customers, acting as an intermediary between them and licensed financial institutions. fastmoney.ph is not a financial institution, bank, or lender. It is not responsible in any way for loan agreements or terms. All calculations are approximate. Please check the lending institution’s website for the relevant terms and conditions.

Repayment Periods and Interest Rates

The loans offered on fastmoney.ph have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). APRs range from 0% to 36%. Interest rates vary from lender to lender.

Collection Process

Most lenders will contant you through regular mail, email, or phone to change your payment terms. Failure to pay may result in interest accruals and/or increases and may affect your credit score. Continued failing to pay may result in the lender transferring your debt to a collection agency, which will lead to additional fees.

Default

If you cannot pay on time, each lender has their own policies on fees/interest and how they handle debt collection. Some lenders may explore legal options in the event of continued nonpayment. Most lenders will contact you by regular mail, email, or phone to change your payment terms. Failure to pay may result in interest accruals and/or increases and may affect your credit score. Please read through the fees section on the lender’s website before proceding to taking a loan.

Late Payments

If you are unable to repay within the loan period, you need to contact your lender right away. Lenders may charge a fee for late payments, which averages about 0.03% of the amount owed for personal loans and credit cards. Please remember that you will likely incur additional fees if you pay late or not at all, which could add up. For more information about late payment fees, please contact your lender directly and be sure you have read the terms in your loan agreement.

Extensions

fastmoney.ph does not recommend extending your loan. If you feel that you cannot repay your loan on time, then we strongly suggest you not taking it and recommend that you seek independent financial advice. However, should you decide that an extension is necessary, please discuss this option with your lender. For more information about your lender’s process and policy regarding nonpayment, please review the terms in your loan agreement.
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