Vidalia Lending – Loan Cash Online

Company name: Vidalia Lending Corp.

Website: https://vidalia.com.ph/

Registration no.: No. CS200813771

Contact info.:

Address: Unit 601 Summit One Tower #530 Shaw Boulevard Mandaluyong City, 1552 Metro Manila Philippines Landline:
(02) 8534 2556 | 7718 0358
Cellphone no.:
0939 927 2375 SMART
Cellphone no.:
0917 328 4072 GLOBE

Review Box 0
3.4 / 5 Reviewer
{{ reviewsOverall }} / 5 Users (0 votes)
Pros
Ang company na ito ay makikita mo sa list of registered organizations on the SEC website, which means that it works in the Philippines under the law, has passed all the necessary inspections of the supervisory authority, at mapagkakatiwalaang online lending company. May nakapag loan nadin sa company na ito, which means this online lending company is legit. Also, the process of loan dito ay simple lang at madali.
Cons
One of the clients of this company shared her experience na minessage mga kaibagan nya sa facebook about an unpaid loan kahit na nakapag bayad na naman sila. This may not happen to you but it is an awareness for everyone that this "might" happen to you too and mas better that you pay on time or in advance to avoid such scenario.
Medyo marami din ang requirements if you want to apply here kaya if you have a little to no patience for that then better think twice and prepare yourselves bago mag proceed sa loan.
Summary
Vidalia is an online lending company that operates since 2008, they help Filipinos get easy access to short term financing. They have different kinds of services for loan at eto yung lite loan, personal and salary loan, small business loan at business loan. Let us know each of these services.

Ang una ay ang LITE LOAN which is a small loan for any cash needs. Loan minimum-maximum amount at this service is P2,000.00 - P15,000.00 with a loan term of 1 month-2 month and interest rate is 0.5% per day, 15% per month and the Max Annual Percentage Rate is 185%, they have a service fee of 7%, and these are the requirements para makapag loan dito.

- Should be a Filipino, 21 - 40 years old living in Metro Manila
- At least ₱15,000.00 monthly salary
- Permanent employee
- 1 valid ID (Passport, Driver's License, SSS)
- 1 Proof of Billing (electricity, water, landline)
- Latest 1-month payslip or proof of income

These are the option for payment:
- Bank Deposit (Over the counter, Online Banking, ATM)
- Dragon Pay (7-11, Cebuana, LBC, SM Robinson Payment Centers and Bayad Centers)

Next is the PERSONAL LOAN, if you need cash for home improvement, pay off credit cards, consolidate your debt, cover major expenses, and other personal expenses then you can choose this service. The minimum-maximum loan amount here is ₱20,000.00 - ₱50,000.00 and loan term is 2-12 months and the interest rate is 6% per month and max Annual Percentage Rate is 80.6%. They have a service fee of 5%, and these are the requirements para makapag loan dito.

- Filipino, 20 - 60 years old
- At least ₱15,000.00 monthly net income for employed applicants and ₱30,000 for self-employed
- Permanent/regular employee
- Two(2) valid IDs (Company ID, Passport, Driver's License, SSS/GSIS)
- Proof of Billing (electricity, water, landline)
- Latest 2 months payslips
- Certificate of Employment with Compensation

Then there's SALARY LOAN which is for a regular employee who needs cash as soon as possible. This cash loan offer flexible installment and no guarantor needed. Halos magkakapareho lang ang informations dito sa Personal loan, like minimum-maximum amount, interest rate, service fee at requirements.

Next is the SMALL BUSINESS LOAN, this can help manage cash flow, pay sudden expenses, and funds for daily business operations. The minimum-maximum loan amount here is ₱10,000 - ₱100,000 with a minimum-maximum loan term of 2- 12 months. The interest rate is 5% per month, max Annual Percentage Rate is 80.6% and the service fee is 5%. Eto naman ang mga requirements para makapag avail sa service na ito.

- Filipino, 20 - 60 years old
- With a minimum Net Monthly Income of ₱20,000.00
- Business must be 2 years in existence or 1 year practicing, if professional
- Two(2) valid IDs (Company ID, Passport, Driver's License, SSS/GSIS)
- Proof of Billing (electricity, water, landline)
- Photocopy of Latest Business/Mayor's Permit
- Photocopy of Latest three (3) Months Bank Statement (under Business and/or Personal Account)

Lastly is the BUSINESS LOAN, at this service you can loan ₱100,000 up to ₱500,000 with a loan term of 2-12 months. The interest rate is 4% per month and the max Annual Percentage Rate 80.6%. These are the requirements to avail the service.

- Filipino, 20 - 60 years old
- With a minimum Net Monthly Income of ₱50,000.00
- Business must be 3 years in existence
- With an existing locally-issued credit card, active for 1 year and with a credit limit of at least ₱50,000.00
- With landline or postpaid mobile number
- Two(2) valid IDs (Company ID, Passport, Driver's License, SSS/GSIS)
- Proof of Billing (electricity, water, landline)
- Photocopy of Latest Business/Mayor’s Permit
- Photocopy of Latest three (3) Months Bank Statement (under Business and/or Personal Account)
- Photocopy of DTI Permit / SEC Registration with GIS
- Photocopy of Latest Business/Mayor’s Permit
- Latest ITR with Audited Financial Statement
- 3 Trade Reference or list of Suppliers/Clients
- Utility Bill (under client’s present home address)

Aside from loaning, meron din silang service where you can invest your money and you can get earnings. You won't lose money at this service since Vidalia lending will secure your capital. You don't have to worry if borrowers repay the loans or not. Loan selection, approval, and collection ay sagot na nang company.

You just have to open an account at their website and invest as little as ₱5,000 by cash or check, mobile or online banking. After activation of account ay makaka earn ka na, you can get your capital + earnings on loan maturity date.

Typical loan investors are earning 1.0%-1.50% per month or roughly 18% per year at para mas maintindihan naten how it works, here is an example.

Ave interest rate of loans in the platform - 74%
Loan Fees (processing, late payment) - 9%
Overhead Cost - 2%
Estimated charge-offs and borrower default - 4%
Loan Investor average return - 16%
Annualized Net Return for Vidalia = 61%

For more and thorough information just visit their website (indicated above).

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mayzelle

Mayzelle is our official loan correspondent at PinoyMoneys.com. She ensures that all active lending apps or companies will be presented here for the benefit of our readers and followers.

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