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LendPinoy is the loan app product of AND Financing Corporation (AFC). AFC is a duly-registered financing company with SEC Registration No. CS201840930 and Certificate of Authority to Operate (as a Financing Company) No. 1187.
AFC strictly adheres with the local regulations and standards, including the Truth in Lending Act of the Philippines (RA 3765). We are an official submitting entity of the Credit Information Corporation (CIC), in compliance with RA 9510. Moreover, we are compliant with the Anti-Money Laundering Commission and National Data Privacy Commission.
Loan Application Requirements:
Two valid government IDs
Email and phone verification through codes
Conduct selfie, video/ or voice verification
No security or collateral required
No bank account required
Privacy and Consent
How to apply?
Simply download the LendPinoy app
Fill out our fast loan application in the LendPinoy mobile app
Undergo verification through our secured AI, Machine learning system
Once approved, you get cash directly sent into your nominated bank account within minutes.
How to repay?
You shall be receiving scheduled loan repayment reminders through email, SMS and app notifications. Repay and reloan instantly, no re-application required.
Pay through any 7-Eleven branch by using their CliQQ machine or app (*subject to Php 20 service fee).
Repay on time to earn bonus points and unlock other LendPinoy benefits such as lower fees, higher loan limits and longer loan terms.
Loans can be repaid anytime, up to 180 days.
LendPinoy loan products:
LendPinoy’s roster of loan products currently include a personal microloan, installment loan and a salary loan product, available to loan any amount from Php 1,000 to Php 50,000 for up to 180 days. Employees of partner organizations are provided access to avail for a salary loan, while any member of the public is open to download the application and avail personal micro and installment loans subject to an on-boarding process. Customers are able to choose repayment periods depending on the product they avail, and therefore have the option to choose loan terms as short as 21 days up to 180 days. We provide loans with an effective monthly interest rate range of 3.5%-15% (APR range: minimum 42.6% to maximum 182.5%). In the case of a late repayment, the customer is subject to pay a daily penalty of 0.5% of principal amount; maximum penalty for one loan is 15%.
Example: For a 90-day loan with principal amount of Php 8,000, the interest fee is Php 1,200; the total amount due is Php 9,200. Different repayment channels might charge varying service fees, such as CliQQ machine fee of Php 20. No hidden fees.
Differing on the selected loan amount, users have the option of choosing a repayment term for up to 180 days. Customers have the option to select a term as short as 21 days.
At LendPinoy, we value responsible borrowing and we strongly advocate financial literacy. For every loan, you shall be provided a Disclosure Statement that you will either agree or discontinue the loaning process. We encourage our customers to always review the fees, charges and terms and conditions of your loan offer before proceeding and accepting your loan.
For any inquiries or comments, immediately message us at [email protected], and we shall gladly assist you.
If you have any feedback, questions, or concerns, please contact us at:
Email: [email protected]
CS Hotline: 09088905389 (Smart) ; 09178775363 (Globe)