Philippine Vastness Lending Corporation is a Philippine lending company operating the VPlus digital personal-loan platform. VPlus provides unsecured installment loans through Android and iPhone applications.
The company is registered with the Philippine Securities and Exchange Commission under SEC Registration Number CS201918401 and Certificate of Authority Number 3158, issued on November 5, 2019. VPlus is also included in the SEC’s recorded list of online lending platforms.
The confirmed active brand of Philippine Vastness Lending Corporation is VPlus.
VPlus is the consumer-facing name used in the company’s current applications, privacy policy and official product website. No other active online lending brand operated by Philippine Vastness Lending Corporation was confirmed.
The company maintains a separate corporate website, while VPlus has its own product website. Both current mobile applications identify Philippine Vastness Lending Corporation as the legal provider.
VPlus is currently available on both Google Play and the Philippine Apple App Store.
The Android application is called:
VPlus – Loan app Philippines
It is published directly by Philippine Vastness Lending Corporation, has more than 100,000 downloads and was updated on June 9, 2026.
The iPhone application is called:
VPlus – Online Cash Loan App
The Apple App Store also identifies Philippine Vastness Lending Corporation as the provider. The application is classified as an 18+ financial product.
Applicants should verify the developer name before installing either version. An application using the VPlus name but published by another company should not be treated as official.
The current Android application publishes the following general terms:
The maximum ₱50,000 limit is not guaranteed. The amount, term and interest rate offered to a particular borrower depend on the credit assessment.
The Google Play application provides an example for a ₱12,000 loan issued for 120 days.
The calculation is presented as follows:
The interest is calculated as:
₱12,000 × 0.05% × 120 = ₱720.
This representative example does not include a separate service or processing fee. The borrower should still review the individual Disclosure Statement for deductions, transaction charges and other costs.
The current iPhone application publishes terms that differ from the Android version.
The App Store description states:
Its representative example is based on:
The installment schedule is:
The iPhone description also refers to a monthly effective interest rate of 10%. That figure is not consistent with the separately published APR of 28% to 32%.
The three official channels do not publish identical terms.
| Source | Amount | Term | Published rate |
|---|---|---|---|
| Android application | ₱1,000–₱50,000 | 91–180 days | Maximum annual rate of 18% |
| iPhone application | Up to ₱50,000 | 91–120 days | APR of 28%–32% |
| Brand website calculator | ₱1,000–₱50,000 | 90–180 days | Example rate of 0.04% per day |
The brand website’s calculator gives an illustrative ₱10,000 loan for 90 days:
The website warns that the calculator is illustrative and that the actual rate depends on the borrower’s profile, amount and term.
Because the Android, iPhone and website disclosures differ, no single set of public terms should be treated as universally applicable. The individual Disclosure Statement and electronic loan agreement shown before confirmation should control the transaction.
The current Android application lists the following basic eligibility requirements:
The company website states that no collateral, guarantor, property or co-borrower is required. It lists examples of acceptable identification documents such as:
Meeting these requirements does not guarantee approval. Philippine Vastness Lending Corporation may consider the applicant’s identity, financial position, credit information and risk indicators before issuing an offer.
The VPlus privacy policy states that the company may collect:
The company may request additional documents when needed to verify the information submitted by an applicant.
The applicant should download the official Android or iPhone application published by Philippine Vastness Lending Corporation.
The app should display:
Unofficial APK files received through messages, advertisements or file-sharing sites should be avoided.
The customer creates an account using a personal mobile number and email address.
The mobile number may be used for:
Passwords, PINs and verification codes should not be disclosed to another person.
The customer enters the personal, address and financial information requested by the application.
The information should be accurate and match the applicant’s identification documents. Incorrect or inconsistent details may delay the assessment or lead to rejection.
VPlus requires one valid government-issued ID. The website also describes a liveness check used to confirm that the person applying matches the submitted document.
Documents should be uploaded only through the official application.
The company states that approved funds may be transferred through:
The receiving account should normally belong to the applicant. Incorrect account details may delay or prevent the transfer.
VPlus advertises an automated approval process that may provide a result in approximately three minutes. The website states that funds are typically released within three to 15 minutes after approval.
These are promotional estimates rather than guaranteed processing times.
The assessment or disbursement may take longer when:
Before accepting a loan, the applicant should check:
The applicant should not confirm the transaction until all costs and due dates are clear.
The Android application says that no hidden fees are charged and that all terms are shown before confirmation. The public listing does not provide a separate standard schedule for processing, service or transfer fees.
The iPhone application publishes a materially higher APR than the Android version. The website calculator uses a third illustrative rate.
Borrowers should therefore compare:
An advertised daily or annual rate alone is not sufficient to determine the complete cost.
The public product pages do not provide a complete fixed list of repayment channels.
Borrowers should follow only the payment instructions displayed in:
Before making a payment, the borrower should confirm:
Money should not be transferred to an unidentified personal bank account or e-wallet belonging to someone claiming to represent the company.
Payment receipts and reference numbers should be retained until the transaction is reflected in the VPlus account.
The current public product descriptions do not clearly explain whether early settlement reduces future interest or whether a settlement charge applies.
A borrower planning to pay early should request a written payoff calculation showing:
The account should not be considered closed until VPlus confirms that the remaining balance is zero.
The VPlus website warns that missed payments may result in additional charges and may affect the customer’s credit standing. It does not publish one standard overdue penalty applicable to every loan.
The individual agreement should specify:
A borrower expecting repayment difficulty should contact VPlus before the due date and request written information about available options.
VPlus may request GPS location access to confirm address information, support identity verification and perform risk assessment.
The privacy policy states that location permission can be disabled through the device settings.
The application may request access to contacts so that an applicant can select reference contacts from the phone.
The privacy policy states that contacts are not uploaded, stored or used for marketing. However, applicants must provide emergency-contact information and confirm that those people consented to the disclosure of their contact details.
The company states that an emergency contact may be contacted when the borrower cannot be reached. The communication should be limited to locating or obtaining updated contact information for the borrower and should not disclose specific loan details.
The app may request calendar access to add or provide repayment reminders. The company states that it will not modify or delete calendar entries without authorization.
VPlus may collect limited device information for:
The Google Play disclosure states that the Android app may collect location, personal information and seven additional data categories. It also says that data is encrypted in transit and users can request deletion.
The Google Play data-safety section states that the app does not share data with third parties. However, the full VPlus privacy policy permits disclosure to:
These public disclosures are not fully aligned. Applicants should review the complete current privacy policy rather than relying only on the short Google Play data-safety summary.
The VPlus privacy policy states that personal information, including registration and transaction records, may be retained for up to ten years or for a longer period when required to:
Information should be erased or anonymized after it is no longer necessary or legally permitted to be retained.
Customers may request access, correction, withdrawal of consent or deletion. Some records may not be deleted immediately when the borrower has an active obligation or the company is required to retain them by law.
Philippine Vastness Lending Corporation appears in the current Credit Information Corporation lists of accessing entities and submitting entities in production.
The company was onboarded for live CIC data submission on July 15, 2025.
Information about a VPlus loan and its repayment status may therefore become part of the borrower’s Philippine credit record.
Late, missed or unpaid obligations may affect future applications with other financial institutions that access CIC information.
Philippine Vastness Lending Corporation has the following confirmed regulatory details:
Company: Philippine Vastness Lending Corporation
Brand: VPlus
SEC Registration Number: CS201918401
Certificate of Authority Number: 3158
Certificate of Authority date: November 5, 2019
The brand website uses phrases such as “BSP licensed” and “regulated by BSP & SEC.” The directly verifiable authority for the company’s lending operations is its SEC registration and Certificate of Authority. Customers should use SEC records when verifying whether the company is authorized to operate as a lending company.
The company is also included in current CIC records and was onboarded as a submitting entity in July 2025, indicating continuing participation in the Philippine credit-information system.
Company: Philippine Vastness Lending Corporation
Brand: VPlus
Company website: www.vastnesslending.ph
Brand website: vastness-vplus.com
Android application: play.google.com/store/apps/details?id=ph.vplus.fast.cash.loan
iPhone application: apps.apple.com/ph/app/vplus-online-cash-loan-app/id6758645081
Android support email: [email protected]
Brand support email: [email protected]
iPhone support email: [email protected]
Android developer phone: +63 953 449 1791
iPhone customer-service phone: +63 927 7777 024
Android support hours: Monday to Sunday, 9:30 a.m. to 6:00 p.m.
Office address: 3rd Floor, Avida CityFlex Towers, SOHO Unit 314, 7th Avenue, Bonifacio Global City, Taguig, Metro Manila 1635, Philippines
The current active brand is VPlus. The company website and brand website are separate, while both mobile applications identify Philippine Vastness Lending Corporation as the provider.
Yes, the Philippine Vastness Lending Corporation is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS201918401 and Certificate of Authority No. 3158. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Philippine Vastness Lending Corporation", you may leave a review or contact the SEC by email at [email protected] or by calling the SEC Call Center at 02-5322-7696.
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