Vidalia in the Philippines

The company is engaged in marketing, servicing and collecting loans in accordance with the U.S. Securities and Exchange Commission. It also provides an opportunity not only to get a loan, but also to invest. The system offers customers to combine all their debts into one.

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Vidalia Lending CorpБез-названия-5.png
Unit 601 Summit One Tower #530 Shaw Boulevard Mandaluyong City, 1552 Metro Manila Philippines
(02) 8534 2556 | 7718 0358 , 0939 927 2375 SMART, 0917 328 4072 GLOBE,
Interest rate 6% - 20%
Loan tenure from 2 to 12 months
Approval duration Up to 24 hours
Min. monthly income1

About company

Vidalia is a credit and financial institution that provides loans on mutually beneficial terms.  The company began its activities in October 2008 in the Philippines. Since then, Vidalia has been helping people in short-term financing every day. Among the most common services are personal loans, salary loans and loans for small businesses.

The peculiarity of the organization lies in the system of equal lending. This is a modern financial technology, characterized by the absence of a traditional intermediary. The company’s activities are limited to finding borrowers and investors. This scheme allows Videlia to set the interest rate lower than the bank, and people to help each other by investing in loans. In 2019, borrowers receive loans ranging from 5 000 to 500 000 pounds sterling. The loan repayment period starts from 3 and ends 12 months later. Interest rate varies from 4% to 6%.

Lite loan

Interest Rates:  20% per month
Minimum loan amount: 2 000 PHP
Maximum loan amount: 15 000 PHP
Payment terms: up to 2 months
Approval time: up to 24 hours

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Personal loan

Interest Rates:  10% per month
Minimum loan amount: 20 000 PHP
Maximum loan amount: 100 000 PHP
Payment terms: 2-12 months
Processing Fee: 5%
Approval time: up to 24 hours

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Salary loan

Interest Rates:  6% per month
Minimum loan amount: 20 000 PHP
Maximum loan amount: 100 000 PHP
Payment terms: 2-12 months
Processing Fee: 5%
Approval time: 2-5 days
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Small business loan

Interest Rates:  8,45% per month
Minimum loan amount: 15 000 PHP
Maximum loan amount: 100 000 PHP
Payment terms: 2-12 months
Approval time: 3-5 banking days

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Business loan

Interest Rates:  6,915% per month
Minimum loan amount: 100 000 PHP
Maximum loan amount: 500 000 PHP
Payment terms: 2-12 months
Approval time: 3-5 banking days

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Loan Calculator

Monthly payment
₱ 888.49
Total overpayment
₱ 661.85
₱ 10661.85

Borrower requirements

– At least 20 years old at the time of application but not more than 60 years old upon loan maturity
– Must be a Filipino Citizen
– Minimum gross monthly income for “Small business loan” & “Personal loan”- 20 000 PHP
– Minimum gross monthly income for “Business loan” – 50 000 PHP
– Two(2) valid IDs (Company ID, Passport, Driver’s License, SSS/GSIS)
– Proof of Billing (electricity, water, landline)
– Photocopy of Latest Business/Mayor’s Permit
– Photocopy of Latest three (3) Months Bank Statement (under Business and/or Personal Account)
For Business loan:
– Photocopy of DTI Permit / SEC Registration with GIS
– Photocopy of Latest Business/Mayor’s Permit
– Latest ITR with Audited Financial Statement
– 3 Trade Reference or list of Suppliers/Clients
– Utility Bill (under client’s present home address)

How to get a loan in the company

It’s easy to get a loan in Vidalia. To do this, go to the home page of the company’s website, fill out an online application form and wait for a response.

Step 1. Submitting an application

At this stage you need to fill out a questionnaire about yourself. Questions should include information on the type of employment, income and other personal information.

Step 2. Waiting for a response

Not later than 24 hours after the application form, the team of the financial center will contact the borrower. Here is the process of discussing the questionnaire. A qualified specialist will assess the creditworthiness and give an answer. If the loan is approved, some more personal information will be required.

Step 3. Signing the documents

After approval of the loan, the parties need to discuss the terms and ways of repayment of the loan. It takes place in the official office of Vidalia, which is open every weekday. There the parties sign a contract, and the borrower receives a check.

The advantages of service

It’s easy to answer how convenient and functional online applications are. First, it saves time. Customers do not have to queue up or be on the phone for a long time. It is enough to spend 10 minutes to fill out personal information. Then the employee of the company will contact you.

Second, transparency. The site contains all the information about the legality of the activity. It is available and set out in plain language.

Third, the service. All Vidalia specialists are decent, sociable and highly qualified. They will certainly discuss and explain all the nuances of the transaction.

Why you should choose this company

For ten years of active work, Vidalia has successfully established itself in the Philippine financial market. Today, the company has more than 16 000 happy borrowers and more than 500 loan investors.

Why do creditors choose the company so often?

  • Low interest rate. Compared to other banking institutions, Vidalia has a record low interest rate. That’s only 4-6% per month.
  • Convenience. It is as easy as possible to apply online. No need to stand in queues or wait a few days. Everything is quick and easy!
  • No prepayment. Another great advantage. The loan can be repaid at any time without penalties.

Safety. Vidalia works exclusively within the law. All personal data is protected and not given to anyone.

How is Vidalia useful for investors?

  • Guaranteed income. You can get money through a local bank deposit, bank transfer or bank check. Also, money can flow directly to your personal account.
  • Income up to 18% per annum. As practice shows, on average, all investors of the organization receive up to 18% per annum!
  • Opportunity for small investments. You can start to increase your profit with only 5 000 pounds sterling.
  • Safety. Vidalia guarantees a refund, even if the loan has been deemed as ineffective or the borrower failed to meet his obligations.

How to return a loan

When the parties sign a contract, the borrower receives a check with the date. Using this check, the loan is paid. Monthly or every two months.  Minimum and maximum limits for the provision of a loan for the term – from three months to a year.

You can also pay off the debt through a deposit. After its creation payment is made through deposit banks. Another way is through a company collector on a daily or weekly basis at the discretion.

If the client feels that he will not be able to pay the amount of money within the specified time, it is important to inform the organization in advance. Then Vidalia will review the contract and will do everything possible to find a suitable payment schedule. 

In the absence of payment and notification of this – the company will charge a penalty, which is prescribed in the contract.

Offline offices of the company

Contact the financial organization “Vidalia” is possible not only via the Internet. The company’s head office is located in the Philippines at Summit One Tower Unit 601 33rd Floor, 530 Shaw Blvd, Mandaluyong, 1552 Metro Manila. Work schedule from Monday to Friday from 8 a.m. to 5 p.m. Before the visit, be sure to call the office and make an appointment.

Product Features

Min. financing amount ₱5000
Max. financing amount Up to ₱500000
Min. loan tenure 2 months
Max. loan tenure 12 months
Interest rate 6% - 20%
Approval duration Up to 24 hours
Debt consolidation Yes

Example of calculating interest and loan payments

TERM 2 months 3 months 4 months 5 months 12 months
LOAN AMOUNT ₱250000 ₱250000 ₱250000 ₱250000 ₱250000
FEE 6% 6% 6% 6% 6%
INTEREST AMOUNT ₱2500 ₱3750 ₱5000 ₱6250 ₱15000
TOTAL REPAYMENT ₱252500 ₱253750 ₱255000 ₱256250 ₱265000

Fees & Charges

One time setup
Processing fee 5%
Stamp duty N/A
Disbursement & misc. fee N/A
Annual fee N/A
Other fees N/A
Early settlement no information
Late payment charges no information
Other penalties no information

Other Requirements

Need to open linked banked account? Yes


Small businesses in the Philippines can be determined depending on the size of the assets, the amount of equity and the number of employees. Enterprises can also be determined depending on the number of employees. Small businesses employ between 10 and 99 workers.

The maximum loan term is not more than 12 months.

• 1 year working business.
• Register with DTI or SEC in the name of the borrower.
• Mayor’s permission registered in the name of the borrower.
• The borrower is the main shareholder or owner of the business.
• The borrower has a current account of at least 6 months, which is used.
• The borrower has the right to sign checks.

To date, the maximum amount of this loan is PHP 500,000.

The maximum amount of a Salary is 100,000 PHP.

The maximum loan amount depends on your income and loan term. According to Philippine law, paying a loan cannot exceed 30% of income.

No, not required for collateral.

The longest loan period is 2 months.

Yes, you are.


Full company name Vidalia Lending Corp
Address Unit 601 Summit One Tower #530 Shaw Boulevard Mandaluyong City, 1552 Metro Manila Philippines
Phone number (02) 8534 2556 | 7718 0358 , 0939 927 2375 SMART, 0917 328 4072 GLOBE
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User rating


4 months ago

Invested 5k and 10k in 2019

It was good nice til maturity came. I plan to invest again at 18%. Gerardo Domagas

1 year ago

I Get Loan For Car And They Are Nice

they provides me great ideas i get loan for car and they guide me that which kind of service will be best for me..The leadership team is solid. Great atmosphere to learn and grow personally along with the company.

1 year ago

Nice Company and have good loan deals

This is a great company and have great loan deals and i will also knows there offline office they are quit nice and humble. i did get loan 3 times once for my house and two times for my business they are really very kind and always guide me and gave me suggestions.

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