1. Loan Eligibility and Application

• Minimum & Maximum Limits: Clients may apply for a minimum of PHP 200,000 up to a maximum of PHP 10,000,000.
• Truth in Lending: All information provided during the "Easy & Fast Registration" must be accurate and verifiable. Any fraudulent information will result in immediate disqualification and potential legal action.

2. Interest Rates and Terms

• Standard Rates: Our competitive monthly interest rates start at 0.3%.
• Preferential Rates: A lower rate of 0.2% may be granted depending on the total loan amount, credit history, and internal risk assessment.
• Repayment Periods: Borrowers can select a flexible term ranging from 6 months to 84 months.

3. Disbursement and Fees

• Safe Disbursement: Approved funds will only be released through our "Safe Disbursement" channels (Bank Transfer, Verified E-Wallets, or Authorized Pickup).
• Transparency: All applicable fees (processing, documentary stamp tax, etc.) will be clearly disclosed in the Disclosure Statement before the loan is finalized. No hidden charges.

4. Late Payments and Collections

• Grace Period: We encourage on-time payments to maintain a good credit standing.
• Penalties: Late payments may incur a standard penalty fee as indicated in your loan contract.
• Professional Conduct: In compliance with SEC Memorandum Circulars, we strictly prohibit unfair collection practices. Our team will always treat you with professional respect.