Digido is an online portal with fully automated procedures and innovative financial solutions.
Our automated loan lending system gives you a possibility to get your application checked within seconds and arrange the transfer within hours. We offer loans from 0% interest promotional loans to non-collateral loans of up to PHP 25,000.
Digido has strict lending rules and regulations as a licensed lender. We have no hidden charges, additional commissions and no interest rate inflation. You are completely secure when applying for a loan through our system, even with a bad credit history.
For those, who cannot make loan applications on our website or mobile application, our banking consultants help secure the necessary loans without any confusion or inconveniences.
All operations are performed online - you don't have to leave your house.
In only 4 minutes you can receive up to ₱ 10 000.00 on your bank account.
We don't require guarantors representation, documentation, or guarantee deposits.
The service is fully automated.
What are Online Loans?
Regardless of your earning level, a proper financial map alone can turn you into a financially independent person. Still, an unexpected need for money can ruin your plans. To tide over such situations, you may have to depend on loans from friends, relatives, banks, or lenders.
Usually, banks are the best way out for loans because of their low-interest rates and diversified loan terms. However their requirements of a full package of documents, good credit history and drawn-out approval time make the borrower look closely at alternatives, mainly lenders.
In case of emergencies you may not have the time to visit multiple lenders and bank offices to compare their requirements. Instead you’ll benefit by choosing the option of Online Loans, provided by some banks and financial institutions through online interfaces.
These online loans have a range of useful advantages for borrowers:
A quick way to compare loan terms of different lenders on computer or smartphone without leaving the home or office.
Full time 24/7 schedule helps you get a loan anywhere, anytime, even on holidays and days off.
Online loans are often unsecured – they don’t require a lot of documents, guarantor, collateral or a good credit history.
A fully automated system evaluates your application, makes the decision and arranges the transfer almost instantly. The procedure is absolutely secure and unbiased.
Your data is completely confidential because you don’t need to provide it to a banking professional.
The entire process only takes a few hours, which is why online loans are also known as Single Day Loans.
The approval rate for online loans is incredibly high – 90%.
There are no cross-selling products, which is often the case for bank offices.
These loans are generic, as in you don’t need to specify the purpose of your loan.
Online lenders provide easily accessible ways to track your loan and its payment.
So, minimal documentation, high loan approval rate, and immediate money availability, even for people with bad credit history, make online loans the most popular type of loans for the Filipinos.
How to Take an Instant Loan Correctly and Profitably?
The instantly accessible online loans with an easy documentation process make it tempting to overindulge yourself. This could spoil your financial discipline and push you to debts.
Here are the most inportant points in securing the right loan:
Always provide accurate information. If you hide your previous loan history, the lender may perform hard checks. It will reduce your credit score and affect your ability to secure a better loan.
Do not apply for loans with multiple lenders at the same time. Each one will perform credit checks, and it will pull down your credit score significantly.
Compare loans with different lenders and choose the best option.
Ensure that you are able to repay the loan completely within the stipulated time. Any deviation from this can affect your credit score and will danger your ability to secure good loans.
Before accepting any loans, read and make sure you understand the loan documents and conditions thoroughly.
Loans are just another financial product. It alone won't do any harm. But if you cannot set your priorities right and do not follow a financial strategy, a loan can be problematic. As long as you make a clear judgment about your financial needs and follow the plan, loans can be a great tool to reach financial independence.
A Filipino citizen, 21-70 years old and has a valid Government ID
Your mobile phone number is not blocked
You have registered on the website
You can avail our Installment loan once you have already paid your first loan in full. Only repeat borrowers can avail our installment loan.
The loan has been approved but the money does not appear on the account. Why?
We will send the requested amount immediately after confirmation of the contract. From there, it depends on your bank. Normally, the transfer takes place within a period of up to 2 days. Or less than 24 hours if you will use Cebuana Cash Pick-up or a G-cash account.
What to do if Digido's messages do not arrive?
Try restarting your phone. If you still do not receive messages, check your memory. If it is not enough, clear the space by deleting some unnecessary text messages. Check your account balance and SMS service settings. After performing these actions, request on the website to repeat the sending of the SMS. If you still do not receive the messages, write to firstname.lastname@example.org indicating the problem, your mobile number and the telephone operator.
I was wrong to enter the bank details. What I can do?
Unfortunately, in this case you will not receive the money, since the account number does not correspond to the indicated government ID data. The money sent will be returned to the Digido service within 2 weeks. After that, the loan will be canceled without interest or commission. You can make a new application, indicating the correct bank details. Please check carefully the personal information you enter!
Is it possible to cancel the application?
This can be done until the moment of signing the contract. After the signature of the same, the money is sent immediately. In this case, you can only repay the loan early with minimal interest. You can check the amount to be paid in the digido.ph customer service line or in your personal account. If you have not yet confirmed the contract, send an email to email@example.com.
How long will it take from the approval of the application to the receipt of the amount?
We send the money to you a couple of seconds after confirming the contract. Then everything depends on your bank. It is possible to expect the reception of money during the week during the working hours from 8:00 to 16:00. In the case of approval of the application during the night, it is possible to receive the money the following morning. If the approval has occurred during the weekend, you will receive the transfer on Monday morning.
I have a loan not yet repaid in a third company. Will my application be approved in this case?
If you make payments on time, the «Digido» will almost certainly make a positive decision.
What if I have been denied the loan?
If you are of legal age and have always made credit payments on time, there may have been an error. Try once more to fill out and send the application. The more personal data you indicate, the greater the chance that your application will be approved.
What is the Digido interest rate?
For new customers who have not previously taken a loan from Digido, the interest rate is 0%. For regular customers, the interest rate depends on the term and amount of the loan, but does not exceed 1.5% per day.
What requirements do I need to present?
We only require 1 government valid ID but it will help if you can present supporting documents like payslip, COE, ITR, company ID, DTI (if self-employed or with business). Only repeat borrowers can avail our Installment loan, If you’re already a repeat borrower you don’t need to present any requirements unless needed for further validation. Repeat borrowers can be automatically approved.
How much Can I borrow?
You can borrow PHP 1,000 to PHP 25,000.
Where can I apply?
You can apply anytime and anywhere. You may apply online to our website at www.digido.ph or our application at googleplaystore.
How much is the interest of this loan service?
The repayment amount is available in the credit calculator before you apply. The interest rate depends on the amount you want to borrow and the loan duration. No other charges will be applied if you pay in time.
Is it difficult to get a loan?
It’s nothing complicated. Simply enter the necessary data into the online application, the amount and the way you receive the money. After that there is sign the contract through the code obtained by SMS. When you do this, the «Digido» service will transfer the values to you immediately. By signing it, Digido will transfer the money to you immediately.
My application has been approved. When can I receive the money?
The requested quantity is sent immediately after signing the contract. The speed of receipt of money depends on your bank and is 1 to 2 days. For Cebuana Cash Pick-up and G-cash, transfer will not be more than 24hrs within working days.
Can you give me another one?
The Digido service establishes an individual limit for each client. You have the right to get one more loan within these limits in case you do not have past due payments on previous loans.
Will the next loan limit increase?
«Digido» automatically increases the available loan immediately after the payment of the previous one. The following loan will be available immediately after the refund of the previous loan amount.
How can I find out if they have approved my application?
You will find all the relevant information in the section of your personal account. The information will appear there after submitting the form, the robot will make the decision in an instant. If the application is approved, only the contract will be confirmed by entering the SMS code.