LendPinoy Reviews: Loan App PH Legit? Interest Rate? How to Apply Loan?

When navigating the complex landscape of financial assistance, the need for a thorough understanding of lending platforms becomes paramount. In this extensive examination conducted by CashExpress PH, we aim to unravel the intricacies of LendPinoy, shedding light on its calculator, prerequisites, and application status. Our objective is to equip you with comprehensive insights, enabling you to make well-informed decisions regarding your financial needs.

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Rank Lender Name & Application Link Loan Amount Loan Term Interest Rate Repayment ID Required Age Range Special Feature

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₱1,000 – ₱25,000 3 – 12 months 0% for first loan Monthly or End of term Only ID Card required 20 – 70 Receive money in 15 mins

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₱1,000 – ₱25,000 3 – 12 months 0% for first loan Monthly or End of term Only National ID required 20 – 70 Receive money in 15 mins

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₱1,000 – ₱25,000 2 – 4 months 0% for first loan Monthly or End of term Only ID Card required 18 – 70 Easy loan approval

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₱1,000 – ₱50,000 1 – 12 months 0% for first loan Monthly or End of term Only ID Card required 20 – 65 Receive money in 10 mins
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₱1,000 – ₱25,000 1 – 180 days 0.1% Monthly or End of term Only ID Card required All accepted Approve Bad credit
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₱1,000 – ₱25,000 2 – 4 months 0% for first loan Monthly or End of term Only ID Card required 18 – 70 Easy loan approval
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₱1,000 – ₱25,000 3 – 6 months 0% for 7 days Monthly or End of term Only ID Card required 21 – 70 Receive money in 4 mins
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₱500 – ₱25,000 60 – 180 days 1.2% per month Monthly or End of term Only ID Card required 18 – 65 Receive money in 5 mins
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₱1,000 – ₱20,000 7 – 30 days 0% for first loan End of term Only ID Card required 21 – 70 Receive money in 5 mins
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₱500 – ₱20,000 7 – 180 days 0% for first loan End of term Only ID Card required 22 – 65 Easy loan approval

Overview of LendPinoy

  • Review: LendPinoy
  • Loan Amount: Up to ₱50,000
  • Age Range: 21 – 60 years old
  • Loan Term: Flexible, ranging from 90 – 180 days
  • Interest Rate: Starting from 3.55% per month
  • Requirements: Proof of Income
  • Pros: 0% interest rate option
  • Cons: Potential for strict requirements
  • Effectiveness: Rated as Good
  • Harassment: Direct communication via Email or Call 24/7
  • Complaints: None reported
  • Legitimacy: Confirmed with Registration Number CS2018840930
  • Contact Numbers: 0908.890.5389 / 0961.660.0658
  • LendPinoy App Download APK: etomo.ph

Unpacking LendPinoy’s Mission

LendPinoy positions itself as an online lending platform committed to providing swift financial support to Filipinos. With a user-friendly interface and a simplified loan application process, LendPinoy aims to make the process of securing a loan more convenient and accessible for its diverse customer base.

Advantages of LendPinoy App

  • Convenience: The platform offers a straightforward and hassle-free loan application process, reducing the time and effort required for financial assistance.
  • Diverse Loan Options: LendPinoy provides a range of loan products, catering to different financial needs and circumstances.
  • Varied Interest Rates: The platform offers flexible interest rates, enabling borrowers to choose terms that align with their unique financial capacities.

Considerations Regarding Pinoy Lending Company

  • Risk Factors: As with any financial service, borrowers should be aware of potential risks associated with online lending, including high-interest rates and the risk of accumulating debt.
  • Loan Eligibility Criteria: LendPinoy may have specific eligibility criteria that applicants must meet, varying depending on the loan product and terms.

In addition to LendPinoy’s ID requirements, it’s crucial to examine the interest rates on offer:

  • The platform offers loans with a 6% monthly interest rate for products of up to ₱500,000, resulting in a maximum Annual Percentage Rate (APR) of 72%.
  • These loans also come with a 3% processing fee, and the platform emphasizes transparency, assuring borrowers of the absence of hidden fees while promoting responsible borrowing and financial literacy.

Exemplifying LendPinoy’s Calculator

  • Loan Example: ₱6,000
  • Term: 3 months
  • Monthly Interest Rate: 6.00% (APR 72%)
  • Effective Monthly Interest Rate: 5.99%
  • Other Fees: None (no processing fee, no service fee)
  • Sample Monthly Repayment: Principal (₱1,884) + Interest (₱360) = Total of ₱2,244

LendPinoy’s Stringent Requirements

To apply for a loan through LendPinoy, potential borrowers are typically required to meet specific criteria:

  • Age and Residency: Applicants must be residents of the Philippines and aged between 21 and 60.
  • Government Identification: A legitimate government identity card is essential for the application process.
  • Email and Phone Verification: To initiate the application process, applicants must have a valid email address and mobile phone number.
  • Voice Call Confirmation: LendPinoy may require voice call confirmation as an additional security measure.
  • Selfie Confirmation: A selfie confirmation may also be required, where the applicant takes a selfie during the application process.

Step-by-Step Guide on How to Apply for LendPinoy App

  • Step 1: Download the LendPinoy App from your preferred app store.
  • Step 2: Create an account by providing personal information, including your name, contact details, and government-issued identification.
  • Step 3: Log in to your LendPinoy account and explore the available loan options.
  • Step 4: Choose the loan amount and desired repayment terms that align with your financial requirements.
  • Step 5: Carefully read and comprehend the loan terms and conditions displayed within the app.
  • Step 6: After completing the application, thoroughly review it for accuracy and submit your loan application through the app’s interface.
  • Step 7: LendPinoy typically processes loan applications swiftly, and you can expect to receive a rapid approval decision, often within minutes of submission.

Gauging LendPinoy Reviews

LendPinoy holds a review rating of 3+ stars on Google Play and 3.7+ stars on the App Store. Users praise its safety and quick loan approval, emphasizing its user-friendly nature.

Diverse Payment Options with LendPinoy

LendPinoy provides multiple convenient payment options for borrowers, enhancing accessibility:

  • 7-Eleven Branches: Visit any 7-Eleven branch and make your loan payment in person, ensuring easy accessibility across various locations.
  • Bank Transfer: Utilize bank transfer services to send your loan repayment directly to them from your bank account, offering flexibility and online convenience.
  • DA5 Partner Branches: LendPinoy collaborates with DA5 partner branches, allowing borrowers to make payments at these designated locations, further enhancing accessibility.

Comparative Analysis: LendPinoy App vs. Other Applications

Criteria LendPinoy app Binixo Vamo
Loan term 90 – 180 days 3 – 12 months 10 – 30 days
Loan amount ₱1000 – ₱50,000 ₱1,000 – ₱25,000 ₱1,000 – ₱30,000
Interest rate 3.55% per day 4 – 916% per year 1.3% per day

Delving into LendPinoy Customer Service

For more information about LendPinoy loans, contact:

  • Phone Numbers: 0908.890.5389 / 0961.660.0658
  • Email: Contact@lendpinoy.ph
  • Address: In Makati City, Metro Manila, on the online platform.

Frequently Asked Questions (FAQs)

Is LendPinoy Legit?

LendPinoy appears to be a legitimate lending entity, registered with the Securities and Exchange Commission (SEC) in the Philippines under registration number CS2018840930. However, it’s essential to conduct thorough research, review terms and conditions, and consider user feedback before engaging with their services to ensure they meet your specific financial needs and expectations.

Is LendPinoy SEC Registered?

Yes, LendPinoy is registered with the Securities and Exchange Commission (SEC) in the Philippines. It holds the registration number CS2018840930, indicating compliance with legal requirements for operating as a lending company in the country. It’s advisable to verify this information through official channels when considering their services.


In summary, LendPinoy emerges as a 24/7 online financial support platform in the Philippines. With a seemingly legitimate status (SEC registration: CS2018840930), it provides quick access to suitable loans. While its registration status indicates compliance with legal standards, prospective users are urged to conduct thorough research and review terms before engaging with its services. LendPinoy stands as a testament to the evolving landscape of online lending, offering both opportunities and challenges in the pursuit of financial well-being.

5/5 - (5 votes)

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