FastMoney

Fees and Commissions

Our website, fastmoney.ph, does not charge any interest rates for using money. The loan matching service operates transparently. We do not take any interest or fees. Our services are completely free for you to use.

Your lender sets the penalties for late payments in your contract. Lenders in the Philippines set their own interest rates and penalties for failure to pay.

It is important to note that all financial relationships are between you and your lender, not fastmoney.ph. We are not a lender and never act as such. As a website, we only match borrowers and financial entities by offering a selection of companies that provide cash loans up to ₱25000 for a period of four months.

The financial institution will determine its own policies regarding loan provision and payment. The borrower agrees to the terms online directly on the lender’s website. You may choose to accept or decline the terms offered in the loan terms. Your agreement details the loan amount, repayment period, daily interest rate, fees, and penalties.

fastmoney.ph cannot access your loan agreements. If you have questions regarding your loan agreement or repayment, contact your lender directly through the means of communications detailed on their website.

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Intermediary Responsibilities Policy

We represent Fininity OÜ, which acts a credit broker. We are not a lender. fastmoney.ph does not directly offer any type of loans or consumer loan products.

Maximum/Minimum Repayment Periods and Maximum Interest Rate

The loans offered on this website through Fininity OÜ have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). Our repayment periods are typically 120 days. Rates vary from 0% to 36%. Interest rates vary from lender to lender. Your situation and credit score will affect the rates offered to you.

Collection Policy

Please contact the lender directly if you are having trouble repaying. They will be able to discuss payment options with you. The lender reserves the right to give your information to a third-party collection agency, should the situation remain unresolved.

Default

fastmoney.ph always recommends repaying on time. If you cannot, each lender has their own policies on fees/interest and how they handle debt collection. Most lenders will contact you by regular mail, email, or phone to change your payment terms. Nonpayment may result in penalties and/or increased interest. We recommend that you contact your lender as soon as you know there is an issue; otherwise, your credit history may get affected.

Late Payments

If you think you won’t be able to make a payment on time, then it is important to contact your lender beforehand. Your lender may offer to extend or renew your loan. Keep in mind, however, that this will accrue additional interest. Your lender may charge a fee for late payments. The amount is determined by the lender, so please read the loan terms before agreeing. Late payments may also negatively affect your credit score.

Extension Policy

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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