Vamo Philippines Loan Review: Legitimacy, Registration, Requirements, and More

Vamo Loan Philippines has emerged as a prominent online money lending application, providing Filipinos with a convenient and accessible platform to secure quick loans. This extensive review aims to comprehensively explore various facets of Vamo Philippines, including its legitimacy, the intricacies of the registration process, loan prerequisites, an in-depth analysis of the pros and cons, interest rate breakdowns, and much more. By the time you reach the end of this article, you will have a profound understanding of what Vamo Philippines offers, and whether it aligns with your unique 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 Vamo Philippines Loan

  • Loan Amount: Vamo Philippines provides loans ranging from 1,000 to 30,000 PHP.
  • Eligibility Age: Applicants must be between 20 and 65 years old.
  • Loan Term: The loan term ranges from 10 to 30 days.
  • Interest Rate: Vamo Philippines charges an annual interest rate of 39%.
  • Pros: Guaranteed online loan approval.
  • Cons: Lack of online monthly payments in the Philippines.
  • Effectiveness: Overall effectiveness is rated as good.
  • Bad Credit: Vamo Philippines does not cater to individuals with bad credit.
  • More Information: Further details will be explored in this article.

Understanding Vamo Loan Philippines

Vamo Loan Philippines is an online money lending application developed by Vamo Lending Inc., operating as a peer-to-peer lending platform in the Philippines. It connects investors and borrowers, offering loans ranging from 1,000 to 30,000 pesos. The initial loan term is 10 days, with recurring loans extending up to 30 days.

Advantages of Vamo Philippines

Vamo Philippines has served over 700,000 customers across seven countries, offering several advantages:

  • Simple documentation, requiring only one valid ID.
  • Expedited loan processing with no meetings, mortgages, guarantees, or appraisals.
  • A loan approval rate exceeding 90%, granting quick approval within 15 minutes.
  • Transparent and informative disclosure of monthly interest rates.

Disadvantages of Vamo Philippines Loan App

However, the Vamo application also comes with some drawbacks:

  • First-time borrowers are limited to loans of up to 10,000 pesos.
  • Loan durations are short, with a maximum of 30 days.
  • High-interest rates and an additional application processing fee of 100 pesos per loan.

Vamo Philippines Interest Rates

Vamo Philippines levies a daily interest rate of 1.3%. Additionally, a 100-peso processing fee is charged per loan application.

Example of Vamo Loan Philippines Interest Rate Calculation

To illustrate, let’s calculate the interest for a 1,000-peso loan paid after 10 days:

Interest = 1,000 x 1.3% x 10 = 130 pesos. Total Amount Payable = 1,000 pesos + 130 pesos + 100 pesos = 1,230 pesos.

Vamo Philippines Loan Requirements

To qualify for a Vamo Philippines Loan, applicants must:

  • Be Filipino citizens aged 20 to 65.
  • Reside and work within the Philippines.
  • Possess one valid ID (e.g., SSS, TIN, GSIS, or passport).

Step-by-Step Guide to Register for Vamo Philippines Loan Application

Here is a detailed guide on how to apply for a loan through Vamo Philippines:

Step #1: Vamo PH Credit Line

  • Sign up and log in to the Vamo Philippines Loan homepage. LINK APPLY
  • Select the loan limit according to your needs (new customers can apply for a maximum of 10,000 pesos).

Step #2: Apply for a Loan Account

  • Provide personal information (name, phone number, date of birth, gender, email).
  • Create an account password (at least 6 characters, including uppercase, lowercase, and numbers).
  • Agree to Vamo Ph loan’s terms and conditions and click “Continue.”

Step #3: Fill in Address and Employment Information

  • Enter your current residential address and job details.

Step #4: Upload Photo ID

  • Upload a clear photo of a valid government-issued ID (both sides) and a portrait holding the front of the ID.

Step #5: Await Approval and Disbursement

  • The system typically approves applications within 15 minutes.
  • Loan approval results are communicated via email and the borrower’s registered loan account.
  • Disbursements are directly transferred to the borrower’s bank account.

Vamo Philippines Loan App Reviews and Feedback

Vamo Philippines Loan enjoys a solid reputation as one of the most reputable and easily approved cash lenders in the Philippines. Customer feedback and reviews endorse its reliability and effectiveness.

Vamo PH Loan Repayment

Repayment of Vamo Philippines loans can be made through various methods, including:

  • Online banking or bank counters (BDO, Asia United Bank, Landbank, PNB, Unionbank, Robinsons Bank, BPI, China Bank, Security Bank).
  • E-wallets (GCash, PayMaya, GrabPay).
  • In case of payment issues, contact DragonPay customer service via email at

Comparing Vamo PH Loan App with Other Loan Apps in the Philippines

Here’s a comparative analysis of Vamo PH with other loan apps in the Philippines:

Criteria Vamo Ph Loan App Cash-Express Ph Unacash App
Loan Limits 1,000 – 30,000 pesos 1,000 – 20,000 pesos 1,000 – 50,000 pesos
Loan Tenor 10 – 30 days 7 – 14 days 2 – 6 months
Interest Rate 39% per year 30% – 60% per year 0% – 16% per year
Age Eligibility 20 – 65 years old 21 – 70 years old Over 18 years old
Application Time 15 minutes 15 minutes 15 minutes
Rating Review 8/10 8/10 9/10

Vamo Loan PH Customer Service

For inquiries and assistance, you can reach Vamo Ph at:

  • Address: Unit 1606-1607, 11th Drive Cor. 9th Avenue, Bonifacio Global City, Taguig City.
  • Contact Numbers: Globe Telecom: +63 917-706-9834, Smart Telecom: +63 947-896-4568 (support available from 9 am to 6 pm, Monday to Saturday).
  • Email:

Frequently Asked Questions (FAQs) – Vamo PH Loan App in the Philippines

Here are answers to some common questions about Vamo Philippines Loan App:

Is Vamo PH legit?

Yes, Vamo Lending Inc. is a legitimate financial company with a business license. The Securities and Exchange Commission has issued a company registration number CS20200000915 and certificate of authority No. 3261. Vamo prioritizes customer information confidentiality.

What is the meaning of Vamo?

Vamo Lending Inc. operates under the VIA SMS Group and is a leading financial company in Asia and Europe. Vamo Loan employs P2P peer-to-peer lending technology, connecting borrowers with lenders to fulfill financial needs.

How to pay Vamo PH via GCash?

To make a payment through GCash, log in to Vamo Ph with your registered phone number and password. Select “make a payment,” choose GCash as your payment method, and follow the prompts to complete the transaction.

How to log in to

Once registered for a loan on the Vamo app, you can log in by entering your phone number and password. This allows you to access your account, track loan information, apply for new loans, and manage existing loans securely.

In Conclusion – Should You Apply for Vamo PH Loan in the Philippines?

Vamo Philippines Loan stands out as a reputable online money lending application, catering to the financial needs of countless individuals in the Philippines. With loan amounts of up to 30,000 pesos, expedited approval processes, and transparent terms, it has earned its place as a trusted option for those seeking swift financial assistance.

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