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FAQs

How does loanfast247.com work?

You can apply online with our simple form, and we will find a lender that will suit for you.

Is it true that loanfast247.com is totally free? Do you charge anything to use your website?

Our service is completely free. We earn a small commission from lenders in the event they credit a loan to your account.

How much can I ask for?

Your individual circumstances will affect exactly how much you can borrow. The amount may differ from lender to lender, but it typically runs from ₱ 500 to ₱ 25 000.

What are the requirements to get a loan through loanfast247.com?

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.

What if I have a bad credit score?

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 should I do if I have trouble paying?

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

How do I repay?

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

We represent Fininity Ltd, which acts a credit broker. We are not a lender. loanfast247.com 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 Ltd 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 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.

Consequences of Nonpayment

loanfast247.com 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 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

loanfast247.com 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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