Loanfast 365

Useful Information

How does loanfast365.com work?

You can apply online with our simple form, and we will find a lender that will suit for you.

Is loanfast365.com free?

Our service is completely free. We earn a small commission from lenders in the event they credit a loan to your account.

How much can I borrow?

Anywhere from ₱ 500 to ₱ 25 000.

Who can get a loan through loanfast365.com?

If you want to apply, you must: 1. Be a legal citizen of the Philippines. 2. Be over 18 and under 80 years old. 3. Have a valid debit card or bank account. 4. Have a valid SSS or TIN or UMID card. 5. Have any form of income (official or unofficial). 6. Have a personal email address and mobile phone number.

I’ve got a few blemishes in my credit history. Can I apply?

Our lenders strive to serve all customers, no matter their history or circumstances. They will consider your ability to make payments along with your credit history.

Can I pay off my loan early?

Absolutely! In fact, that is exactly what we recommend. The longer you wait to pay off your loan, the more you will pay.

What should I do if I have trouble paying?

It is important to be certain that you are able to pay within the given timeframe before applying. If your situation changes, and you are concerned that you cannot repay your loan, it is best to contact your lender right away to find out which options are available. If you are experiencing financial issues and have a mounting debt, we strongly recommend you not taking any more loans from any lending institution, and that you immediately seek independent financial advice.

How do I pay my loan back?

Only your lender can give you any specific information regarding your loans, including the dates and times for repayment. Repayment periods may vary. Please contact your lender to ask about your loan terms.

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Responsible Lending

We represent Fininity Ltd, which acts a credit broker. We are not a lender. loanfast365.com does not directly offer any type of loans or consumer loan products.

Maximum/Minimum Repayment Periods and Maximum Interest Rate

The loans offered on this website through Fininity Ltd have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). Our repayment periods are typically 120 days. Rates vary from 0% to 36%. Interest rates vary from lender to lender. Your situation and credit score will affect the rates offered to you.

Collection Policy

loanfast365.com does not collect payments. Your lender will contact you by regular mail, email, or phone to outline a repayment schedule. Please contact your lender to determine their collection process, as the terms may vary.

Default

If you cannot repay on time, your lender may start the collection process as per the loan agreement. Your lender will often contact you to arrange an alternative repayment schedule. This could result in additional fees or interest. Lenders also have an option to file a lawsuit against you. Consider contacting your lender before missing a payment to find out what collection policy they have and discuss your repayment options.

Late Payments

Please contact your lender directly if you think that you cannot repay your loan on time. Lenders may be able to extend or renew your loan under the initial terms and conditions. Terms and late payment options vary by lender. Please note that late payments may result in additional fees or interest and may also negatively affect your credit score.

Extension Policy

If you would like to extend your loan, you should contact your lender before missing a payment. Most lenders charge the same interest rate and commissions for another month on the total amount due. The loan may be renewed or extended automatically in the event of late or nonpayment. Additional interest and/or fees may be charged to your account. Please, think carefully before extending your loan, as doing so may substantially increase the amount you pay.

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