FinaGuru — loans online in Philippines

Get up to 20,000 PHP at 0.01% per day with FinaGuru:

• Amount from 500 to 20,000 PHP
• Payment term 91 days
• Loan term from 91 to 365 days
• The minimum interest rate for some partners is 0.01%
• The standard rate is 1.99% per day (726.35% per annum)
• The actual annual interest rate ranges from 6961.93% to 115757.37%
• Application review time up to 15 minutes
• FinaGuru service is free of charge

Requirements

• Citizenship of the Philippines (passport required)
• Age from 18 up to 70 years old
• Credit history is not taken into account when granting a loan
• Passport, valid payment card issued in your name, mobile phone

How Finaguru works?

1. Fill out an application. Choose the amount you need and specify the loan period.
2. Wait for a decision. Register and wait decision on the application.
3. Get money. Sign the agreement using an SMS code and immediately receive money on the card

How to repay a loan?

Borrowers can pay accrued interest, extend the loan term, or make partial principal repayments. Loans can be repaid conveniently through several methods:

1. Via personal account with a bank card
This is the fastest and most convenient option. No transfer fees apply, and funds are credited to the loan account within 5 minutes.

2. Through online banking using account details
Borrowers can initiate payments directly from their online banking platform by entering the company's payment details.

3. At payment terminals using account details
Self-service terminals accept repayments when the correct company details are provided.

4. At bank teller counters using account details
Payments can be made at any bank branch by providing the company's details and repayment amount to the teller. Note that such payments typically take 3-5 business days to process and credit to the loan account.

Representative example: An example of calculating the interest rate on a microcredit of 3000 PHP for a period of 100 days: The interest rate for using a microcredit in each of 100 days is 1.5% per day. The total cost of a microcredit is 547.5% per annum. Amount of accrued remuneration for 100 days use of microcredit (150%) - 4 500 PHP. Amount to be refunded: 3,000 + 4,500 = 7,500 PHP.