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Vidalia Lending Corp.

₱100,000

from 2 to 12 months

18+ years

Address and contacts

Vidalia Lending Corp.

SECNo. CS200813771, Certificate of Authority No. 279

Phone: 8518 0112

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

Vidalia Lending offers personal loans, small business loans, salary loans and alternative investing. Peer to Peer Lending.

Vidalia Lending Corp. (vidalia.com.ph) is a legitimate financing company in the Philippines that offers personal loans, salary loans, and business loans since 2008. The company is regulated by the Securities and Exchange Commission (SEC) with License No. CS200813771 and Certificate of Authority No. 279, issued in October 2008.

Loan Terms

Personal loan amount up to PHP 100,000
Term from 2 to 12 months
Fixed regular payments
No hidden fees
Pay directly from your bank account, Post dated check (PDC), field collectors

Loan products:

Personal loans: Up to ₱100,000, money received in 3–5 days, monthly repayment terms of 3–12 months
Salary loans: Available for borrowers with regular income
Business loans: For small business financing

Personal Loans and Small Business Loans from Vidalia Lending

Lower interest rates. We charge 4-6% monthly compare to other cash loan providers of up to 30% per month
Quick and Easy. Apply online and get credit decision in 24 hours.
No Prepayment Penalty. Pay your loan off at any time
Secure Process. We protect your online process and never sell your data

How to get a loan

Get a Loan in 3 Easy Steps:

Apply online in just 3 minutes. Answer few questions about you, employment and income.
They will contact to discuss your application. Once approved, send us the required docs.
Get your cash check at our office. Sign loan docs and discuss the terms and how to repay.

Company details

Registered office: 6/F Aster Business Center, Mandala Park, 312 Shaw Boulevard, Mandaluyong City, Metro Manila 1550, Philippines
Founded: 2008
Special focus: Short-term loans for Filipinos, particularly migrant workers
Backed by: Experienced private investors with vast experience in the local financial industry

Key features

Apply online in 3 minutes via mobile app or website
Credit assessment includes phone interview and document submission online
Not a bank, but offers loans to borrowers with regular income
Competitive interest rates with no hidden fees
Over ₱500 million in loans disbursed
Money issued via bank check (can be cashed or deposited)
Repayment via post-dated checks (PDC) or GCash

Protection: The company protects customer data and never sells it. They offer lower rates and simple loan solutions to empower individuals and businesses through accessible financing.

Vidalia Lending Corp. is a Philippines-based financing company established since 2008, regulated by the SEC (License No. CS200813771, Certificate of Authority No. 279), providing unsecured personal, salary, business, small business, and lite loans. They combine traditional credit methods with technology for faster approvals and disburse millions in loans to employed individuals and micro-business owners. Their office is at 6/F Aster Business Center, Mandala Park, 312 Shaw Boulevard, Mandaluyong City, Metro Manila.

Vidalia offers Salary Loans for private employees, Personal Loans for home improvements or debt consolidation, Business Loans for operations and expansion, Small Business Loans for cash flow, and Lite Loans for urgent minor expenses payable via GCash. All loans are unsecured, requiring no collateral or co-borrower, with amounts from ₱15,000 to ₱500,000 depending on the product and your qualifications. Check their loans page for specifics: https://vidalia.com.ph/loans/.

Start by registering on vidalia.com.ph or their mobile app with your active email and mobile number, then complete the online form with personal, employment, and income details—it takes about 3 minutes. A loan specialist will contact you for document submission (via email or FB), followed by credit review; if approved, visit their Mandaluyong office to sign documents and get your check. Track status on your dashboard; applications are online-only.

Applicants need a valid ID, proof of billing (electricity/water), and proof of income; additional docs may be requested. Be truthful about income, expenses, employment, assets, and existing debts—falsification leads to denial. Regular income earners qualify; OFWs and remittance beneficiaries are no longer accepted.

Loan amounts range from ₱15,000 to ₱500,000 based on the product, your profile, and credit check. Repayment terms are 3-12 months via post-dated checks (PDC) or GCash for Lite Loans, with processing in 3-5 business days. Use their free loan calculator at https://vidalia.com.ph/loan-calculator/to estimate payments.

Rates are competitive: 4% monthly for Business Loans, 5% for Small Business, 6% for Salary/Personal/Lite (6.5% for Lite). This is lower than many providers charging up to 30%; no prepayment penalties, and processing fees are deducted post-approval only—no upfront fees. Applications are free.

No, all Vidalia loans are unsecured—no collateral or co-borrower needed, making it accessible for personal and business needs.

Approved funds are released as a bank check at their Mandaluyong office (Mon-Fri, 8am-5pm); cash it or deposit it. Pick up after signing docs; the full process from application to funds takes 3-5 days if docs are prompt.

Repay via post-dated checks (PDC) or GCash (for Lite Loans)—ensure funds are available to avoid penalties. Terms are fixed monthly installments over 3-12 months; contact support early if issues arise to arrange plans before default.

Late payments accrue interest; default allows full balance demand, plus 25% attorney's fees and 5% annual penalty if legal action occurs. Bounced checks violate B.P. Blg. 22 (Anti-Bouncing Check Law). Vidalia prefers amicable settlements—call collections first.

Reach them Mon-Fri 8am-5pm (Manila time, no holidays) via phone: 0917 328 4072, 0939 927 2375, 0920 950 8879, 0920 972 9492, or (02) 8518 0112; email support or check dashboard for status. Office visits for signing only.

Yes, Vidalia is SEC-licensed since 2008, with thousands of customers served and positive reviews for low rates and easy processes. They prioritize data security, never sell info, and focus on customer-friendly fintech lending. Testimonials highlight savings vs. competitors like MoolaLending.

Pros

Personal loans and loans for busines
Long terms
High max amount for personal loans
No hidden fees

Cons

Limited geography of service
Penalties for delinquency

Find online loan

TERM	10 days	20 days	30 days	60 days	180 days
LOAN AMOUNT	₱100000	₱100000	₱100000	₱100000	₱100000
APR	143%	143%	143%	143%	143%
INTEREST AMOUNT	₱3774.82	₱7692.62	₱11610.4	₱23363.85	₱70377.55
TOTAL REPAYMENT	₱103774.82	₱107692.62	₱111610.4	₱123363.85	₱170377.55

Vidalia Lending Corp. — loans online in Philippines

Vidalia - Personal loans, business loans

Loan Terms

Personal Loans and Small Business Loans from Vidalia Lending

How to get a loan

Company details

Key features

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