FastMoney

Frequently Asked Questions

How does fastmoney.ph work?

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 it true that fastmoney.ph is totally free? Do you charge anything to use your website?

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 kind of identification do I need?

If you want to apply, you must: 1. Be a legal citizen of the Philippines. 2. Be over 18 and under 80 years old. 3. Have a valid debit card or bank account. 4. Have a valid SSS or TIN or UMID card. 5. Have any form of income (official or unofficial). 6. Have a personal email address and mobile phone number.

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

Perfect credit histories are less common than you think. If you don’t have any open delinquencies, you will most likely get a loan.

Can I pay off my loan early?

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

What if I cannot repay my loan?

Contact your lender as soon as possible. They are often willing to work with you and offer the best solutions available.

How should I repay what I owe?

Only your lender can give you any specific information regarding your loans, including the dates and times for repayment. Repayment periods may vary. Please contact your lender to ask about your loan terms.

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Responsible Lending Policy

fastmoney.ph is not a lender, nor does it take any decisions regarding loans. fastmoney.ph finds lenders for customers based on their application information. It earns a commission, paid by the lender, for providing advertising services. We cannot guarantee that a lender will accept your application or that they will offer you loan terms that will suit your needs. Not all lenders can provide loans of up to ₱ 25 000. The time it takes to process and transfer a loan depends on the lender. This website does not directly endorse any particular product or service. Any information on this website is approximate in nature. Some lenders may perform a credit check with a credit reporting agency as a loan condition.

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

fastmoney.ph does not collect payments. Your lender will contact you by regular mail, email, or phone to outline a repayment schedule. Please contact your lender to determine their collection process, as the terms may vary.

Default

If you cannot repay on time, your lender may start the collection process as per the loan agreement. Your lender will often contact you to arrange an alternative repayment schedule. This could result in additional fees or interest. Lenders also have an option to file a lawsuit against you. Consider contacting your lender before missing a payment to find out what collection policy they have and discuss your repayment options.

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.

Loan Extension Policy

If you would like to extend your loan, you should contact your lender before missing a payment. Most lenders charge the same interest rate and commissions for another month on the total amount due. The loan may be renewed or extended automatically in the event of late or nonpayment. Additional interest and/or fees may be charged to your account. Please, think carefully before extending your loan, as doing so may substantially increase the amount you pay.
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