TendoPay - Loans with low-interest rates Philippines

Name: TendoPay - Loans with low-interest rates
Brand: TendoPay
Rating: 4.5 (2 reviews)

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TendoPay

₱2,000 — ₱30,000

from 15 to 90 days

0,13% per day (48% per year)

18+ years

Address and contacts

Templetech Finance Corp

SEC registration number at CS201820732

Phone: 09453410327

TendoPay Philippines - loans for any purpose:

Loan Amount from 2000 to 30000 PHP
Loan term from 15 to 90 days
Interest Rate 0,13% per day (48% per year)
20% fee once in the approval process
Approval Duration 30-60 min
No collateral

TendoPay Philippines loan requirements

Philippino citezen
Age from 18 years
A valid ID card
Proof of income
Personal information, such as your address, spouse name, telephone number, etc.

TendoPay accepts the following government-issued IDs:

Driver’s License
SSS ID (Social Security System)
PRC (Professional Regulation Commission) ID
UMID (Unified Multi-Purpose ID)
Philippine National ID
Postal ID
Voter's ID
PhilHealth ID
TIN ID (Taxpayer Identification Number)

How to get a loan online

Download and install the official app on your mobile phone.
Complete the registration process using a government-issued identity verification document.
Provide necessary details such as personal information, job details, proof of income, etc.
Receive approval for the loan application in under 5 minutes, with disbursement taking a maximum of 60 minutes from the time of approval.

How to repay

Loan repayment:

Bank card with the TendoPay loan app
GCash
GrabPay
PayMaya
BPI (Bank of the Philippine Islands)
UnionBank
7-Eleven
Cebuana Lhuillier
LBC
Bayad Center
Robinsons Department Store
SM Department/Supermarket/Savemore Counter
ECPay

Is TendoPay a legitimate company?

TendoPay is a legitimate company. It operates as a financial service provider, offering installment payment solutions for online purchases. TendoPay is owned by Templetech Finance Corp., and it provides users with a convenient and flexible way to make purchases and repay them over time.

TendoPay is a Filipino‑based fintech platform that offers installment payment plans for online purchases, operating on a “Buy Now, Pay Later” model. It allows users to shop from partner merchants and pay the amount in monthly installments instead of paying everything upfront, without needing a credit card or bank loan.

When you shop on an online store partnered with TendoPay, you can select TendoPay as your payment method at checkout. The system will then guide you to your TendoPay account where you can choose a repayment term (usually 2–24 months) and confirm the installment plan for your purchase.

TendoPay typically offers financing from about PHP 2,000 up to PHP 30,000, depending on your approved limit and the merchant’s rules. The minimum transaction size for some partners (for example Dragonpay‑accredited stores) starts at around PHP 1,000, but exact caps depend on your personal credit evaluation.

TendoPay charges competitive monthly interest starting from roughly 2% per month, with the exact rate depending on your profile and chosen term. A notable feature is the absence of explicit late‑payment fees, which reduces the penalty risk if you miss a due date, though failing to pay may still affect your future eligibility.

No, TendoPay does not require traditional collateral or an extensive credit history like banks do. It is designed to be more inclusive, especially for Filipinos who may not have a bank account or credit card but still want to shop online with flexible installments.

To qualify, you must generally be a Filipino citizen aged 18 or older, with a valid email address and active mobile number. You also need to provide acceptable IDs (such as SSS/UMID, Driver’s License, Passport, or PRC ID) and recent proof of address, like a utility bill, not older than three months.

TendoPay lets you spread payments over 2 to 24 months, giving you flexibility to choose a term that fits your budget. Shorter terms usually mean higher monthly payments but less total interest, while longer terms reduce each month’s burden at the cost of higher overall interest.

Approval and disbursement are generally fast, often within one business day after submitting your application through the TendoPay app or website. If you complete your application by the cut‑off time (around 6:00 p.m.), the team processes it promptly; later submissions may be evaluated the next business day.

During signup or loan application you need to provide your valid Philippine ID, a recent proof of address, and proof of income (such as payslips or bank statements). You may also be asked to upload a clear selfie with your ID and answer some security questions to verify your identity.

TendoPay works with a growing network of online merchants, including fashion and lifestyle platforms like ZALORA, as well as Dragonpay‑accredited merchants and other e‑commerce sites in the Philippines. The exact list of merchants can change, so it is best to check the “merchants” or “partner stores” section on the TendoPay website or app.

You can repay your TendoPay installments through the channels indicated in your app or online portal, such as bank transfers, e‑wallets, or partner payment networks. The platform usually sends reminders before each due date so you can arrange the payment on time and keep your account in good standing.

TendoPay is a Philippine‑based fintech company that focuses on transparent and fairly priced installment plans, and it operates under local financial regulations. The platform uses standard security measures for online transactions and personal data, aiming to protect users’ information and payment details.

Yes, TendoPay is designed so that Filipinos without bank accounts or credit cards can still shop online using installment plans. Instead of relying on a card, you use your TendoPay‑approved credit line directly at checkout on partner websites.

While TendoPay does not impose a strict late‑fee structure, missing a payment can still affect your credit standing within the platform and may reduce or suspend your future loan limits. It is important to contact TendoPay support or check your app to discuss options if you anticipate difficulty meeting a due date.

You can download the TendoPay app from the Google Play Store, then sign up using your Facebook or Gmail account, a valid Philippine ID, and an active mobile number. After registration, you will complete the verification steps, such as uploading address proof and income documents, to activate your installment‑shopping feature.

Pros

Quick Loan Disbursement.
No Collateral or Credit History Required
Flexible Repayment Terms

Cons

Limited Eligibility - only to employed individuals with a regular income
Account Blockage for Non-Repayment

Find online loan

TendoPay - Loans with low-interest rates

TendoPay Philippines loan requirements

How to get a loan online

How to repay

Is TendoPay a legitimate company?

Frequently Asked Questions (FAQs) about TendoPay

What is TendoPay in the Philippines?

How does TendoPay work for online shopping?

What loan and purchase amounts does TendoPay offer?

What are the typical interest rates and fees?

Do I need a credit history or collateral to use TendoPay?

Who can apply for TendoPay in the Philippines?

How long are the repayment terms available?

How quickly can I get approved and use TendoPay?

What documents and information do I need to submit?

Which online stores and merchants accept TendoPay?

How can I pay my TendoPay installments?

Is TendoPay safe and regulated in the Philippines?

Can I use TendoPay if I don’t have a bank account or credit card?

What happens if I miss a TendoPay payment?

How can I download and register in the TendoPay app?

Pros

Cons

TendoPay reviews

TendoPay address and contacts

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