Review of Valley Loan: A Professional Assessment of Financial Services in the Philippines

Valley Loan has emerged as a noteworthy player, offering expedited cash loans without the encumbrance of extensive credit checks. This thorough and professional review by CashExpress PH seeks to explore the various facets of the Valley Loan application, encompassing its legitimacy, loan terms, customer feedback, payment processes, and a comparative analysis with other lenders. Whether you’re in search of a reliable financial solution or seeking to navigate away from potential pitfalls, this review is designed to equip you with the information needed to make a well-informed decision.

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Top 10 Fast Online Loans in Philippines – A Valid ID is All You Need Updated in May 2024 

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 Valley Loan:

Valley Loan, an online service facilitated by Flash Cash 101 Lending Corp, aims to bridge the financial gap for individuals in the Philippines. The loan spectrum spans from PHP 2,000 to PHP 20,000, with repayment periods ranging from 91 to 365 days. Notably, the first loan avails applicants of a 0% interest rate. While the application process is streamlined, guaranteed approval is not assured, and individuals with adverse credit histories may find themselves ineligible.

Understanding Valley:

At its core, Valley operates as an internet-based service, connecting borrowers with swift cash loans. It promises a simplified application process, competitive interest rates, and adaptable repayment options, positioning itself as a viable financial solution in the digital lending landscape.

Pros of Valley Loan App:

The Valley Loan app boasts several advantages, including a seamless and prompt application process, loan amounts ranging from PHP 2,000 to PHP 20,000, and flexible repayment periods. Additionally, the application is lauded for its attractive interest rates, making it an appealing option for those seeking financial assistance.

Cons of Valley Loan:

However, Valley Loan is not without its drawbacks. The platform imposes a relatively high annual interest rate of 21.9%, and late payments may incur elevated fees. Some users have reported instances of aggressive communication tactics, including calls, texts, and emails, adding a layer of concern for potential borrowers.

Valley Bank Loan Interest Rates:

Beyond the Valley Loan app, Valley Bank extends various loan products, each carrying interest rates between 7.25% and 18.25% annually. These rates are contingent upon factors such as creditworthiness, income, and the requested loan amount. Specific interest rates are delineated for different loan types, encompassing Salary Loan, SME Loan, Agricultural Loan, and Microfinance Loan.

Valley Loan App Requirements:

Prospective applicants must meet specific criteria to qualify for a Valley Loan, including Philippine citizenship, a minimum age of 18, possession of a valid ID (such as a driver’s license, passport, or voter’s ID), a stable income source, ownership of a bank account, and a commendable credit score.

Step-by-Step Guide to Register for Valley Loan Application:

Navigating the Valley Loan application process involves several steps. First, users need to download the Valley Loan app from the Google Play Store. Upon installation, existing users can log in, while new users must undergo a registration process to create an account. Subsequently, the loan application entails filling in required information, including personal details and loan requirements, followed by a review and submission. The approval process involves credit checks, information verification, and final approval by the lender. Upon approval, the agreed-upon loan amount is disbursed to the specified account.

Reviews and Feedback:

Valley Loan currently holds a commendable 4.2-star rating on Google Play. Positive feedback highlights the expeditious application process and competitive interest rates, with users reporting swift processing and same-day fund disbursement. However, some users express dissatisfaction with the platform’s customer service, citing difficulties in resolving account-related issues and persistent communication even after debt repayment.

Valley Loan Repayments:

For the convenience of its Filipino clientele, Valley Loan accommodates various payment methods. These include online options through the website or mobile app, accepting debit cards, credit cards, or online banking services. Over-the-counter payments are facilitated at select locations such as 7-Eleven, M. Lhuillier, Gcash, or RD Pawnshop. Additionally, bank-to-bank transfers provide an alternative avenue for repayment.

Valley Loan Customer Service:

Accessing Valley Loan’s customer service is facilitated through multiple channels, including a dedicated phone number (1-800-522-4100), an email address (, and a physical address (2005 East Tower, Philippine Stock Exchange Center, Exchange Road, Ortigas Center, Pasig City, Metro Manila, Philippines). These avenues ensure accessibility for users seeking assistance with their queries or concerns.

FAQs – Valley Loan:

The frequently asked questions (FAQs) section addresses common queries regarding the legitimacy of Valley Loan. It affirms the legitimacy of the lending entity, backed by registration numbers CS201915317 and CA Number 3083 1 from the Securities and Exchange Commission. Despite its legitimacy, Valley Loan has faced complaints regarding aggressive communication directed at Filipinos struggling to repay their loans.


As of 2024, Valley Loan has garnered mixed reviews, reflecting both positive and negative user experiences. While some users commend the platform for its legitimate and efficient services, others report instances of harassment and payment-related issues. Prospective borrowers are strongly advised to meticulously review the terms and conditions, peruse user feedback, and assess their financial situations before opting for Valley Loan or any other short-term lending service. In the dynamic landscape of digital lending, knowledge and discernment are invaluable tools for making informed financial decisions.

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