LendPinoy: Review Of Loan Services


Lendpinoy is a mobile application that offers fast and secure micro loans to Filipinos. Whether you need funds for starting a business, emergency expenses, or educational needs, Lendpinoy has covered you. With their easy application process and compliance with the Data Privacy Act of 2012, you can trust that your personal information is safe.

Plus, they offer various types of loans, including micro loans, installment loans, salary loans, voucher loans, and beep pamasahe loans to cater to different needs. Payments can be made through multiple channels such as 7-Eleven branches, bank transfers, or DA5 partner branches.

Read on to discover the pros and cons of Lendpinoy’s loan services in this comprehensive review article.

Key Points

Key Points Details
Company Name LendPinoy
Standout Feature Convenient and user-friendly mobile app for easy loan applications anytime, anywhere
Loan Options – Micro loans – Installment loans – Salary loans, catering to diverse financial needs
Interest Rates Competitive rates starting at 3.5% per month, ensuring affordability compared to other options
Repayment Terms Flexibility in repayment schedules and the chance to increase credit limits through timely payments
Application Process Easy application with minimal requirements and a rapid approval system, allowing borrowers to access funds within minutes
Benefits – Quick access to cash – No hassle of traditional lending institutions – Easy application and fast approval process

Pros and Cons of LendPinoy

LendPinoy offers a convenient and accessible loan service for Filipinos needing quick financial assistance. Its easy application process, competitive interest rates, and flexible repayment terms give borrowers a viable option to meet their immediate needs.

However, some customers have raised concerns about the company’s debt collection practices, highlighting the importance of transparency and adherence to guidelines in the lending industry.

Overall, LendPinoy’s pros include its user-friendly platform and efficient loan processing, while cons involve potential issues with debt collection practices that need to be addressed.


One of the advantages of using LendPinoy’s loan services is that borrowers can earn extra cash by referring friends or family to the platform. LendPinoy offers a referral program where users can earn rewards for every successful referral.

This means that borrowers can access much-needed funds through LendPinoy and benefit financially by spreading the word about the platform to their social circle. By sharing their unique referral code or link, borrowers can encourage others to sign up and apply for loans with LendPinoy.

Once these referrals are approved and successfully complete their loan applications, the borrower who referred them will receive a reward in return. This referral program incentivizes borrowers to use LendPinoy and helps expand its customer base through word-of-mouth referrals.


However, a potential downside to using LendPinoy’s loan services is that some customers have reported negative experiences with debt collectors. This may raise concerns about the company’s adherence to debt collection guidelines in the Philippines.

One reviewer specifically mentioned harassment from a debt collector named Mark Autor and questioned why LendPinoy didn’t follow proper debt collection procedures. This negative experience led the reviewer to believe LendPinoy might be a scam.

While it’s important to note that this is just one customer’s perspective, such negative encounters can significantly impact a borrower’s trust and overall experience with the company.

LendPinoy must address these concerns promptly and ensure that their debt collection practices are in line with industry regulations to maintain their reputation as a reputable lending platform.

What is LendPinoy

Lendpinoy is a legitimate online lending platform that offers microloans to Filipinos in Metro Manila, providing quick and convenient financial assistance for various needs. Operating under AND Financing Corporation (AFC), Lendpinoy has been registered with the Securities and Exchange Commission, ensuring its legality and adherence to regulations.

With its mobile app available for download on Google Play Store and Apple App Store, Lendpinoy aims to make the loan application process easy and accessible.

The loan products offered by Lendpinoy include Salary Loans, Micro Loans, and Installment Loans. Borrowers can choose from loan amounts ranging from PHP1,000 to PHP50,000, with a lower limit applied to first-time borrowers. The loan terms range from 14 days to 108 days, with a monthly interest rate of 3.5% to 15%. It is important for borrowers to settle their payments on time as late payment fees of 0.5% per day may be charged.

To be eligible for a Lendpinoy loan, applicants must be at least 25 years old, Filipino citizens residing in Metro Manila City, and currently employed for at least six months. Required documents include a valid ID, active email address, and mobile number.

With positive reviews regarding its smooth application process and good customer service overall, Lendpinoy has become a convenient option for those seeking extra funds in Metro Manila City. However, please note that as of now, their services are only limited within this area.

Loans provided by LendPinoy

LendPinoy offers a variety of loan options to cater to the different financial needs of its borrowers.

These include Salary Loans, Micro Loans, and Installment Loans.

A Salary Loan is available to employees of partner companies, with loan amounts up to 60% of their net salary.

Micro Loans range from Php1,000 to Php12,000 with an interest rate starting at 15% per month.

Installment Loans provide flexibility for borrowers by allowing them to repay the loan in fixed installments over a specified period of time.

Salary Loan

To apply for a Salary Loan with Lendpinoy, you can borrow up to 60% of your net salary if you’re an employee of their partner clients. This loan product is designed specifically for individuals who need immediate financial assistance.

The loan amount can be used for various purposes, such as paying bills, medical expenses, or any other urgent needs. Lendpinoy offers competitive interest rates and flexible repayment terms to ensure that borrowers can manage their finances effectively.

To apply for a Salary Loan, simply download the Lendpinoy mobile app and complete the application process. You’ll need to provide necessary documents, such as a valid ID, proof of income, and proof of address. Once approved, the loan amount will be disbursed directly to your bank account or e-wallet within minutes.

Micro Loans

If you’re in need of a quick financial solution, micro loans can provide the assistance you’re looking for. Lendpinoy offers micro loans ranging from Php1,000 to Php12,000 with an interest rate starting at 15% per month.

These loans are designed to be accessible and convenient, allowing borrowers to meet their immediate financial needs. With Lendpinoy’s micro loans, you can easily cover expenses such as start-up business costs, emergency funds, school tuition fees, home repairs, or car repairs.

The application process for these loans is simple and can be done through the Lendpinoy mobile app. Once approved, the loan amount will be disbursed directly to your chosen bank account or e-wallet within minutes.

Lendpinoy’s micro loans offer a practical solution for Filipinos residing in Metro Manila who require fast and hassle-free financial assistance.

Installment Loans

With Lendpinoy’s installment loans, you can conveniently repay your borrowed amount over a longer period of time. This loan product offers flexibility and allows borrowers to divide their repayment into smaller, manageable installments.

Lendpinoy understands that not everyone can afford to pay back a loan in one lump sum, so they provide this option to make it easier for customers. The installment loans have varying terms, ranging from 14 days up to 108 days, giving borrowers more time to fulfill their payment obligations.

Additionally, settling payments on time can help increase your credit limit and lower the interest rate on future loans. With Lendpinoy’s installment loans, you can get the financial assistance you need while still having the flexibility to repay it comfortably over time.

Interest Rate for LendPinoy

When considering LendPinoy, you’ll want to take note of their competitive interest rates for their loan services. LendPinoy offers borrowers a range of loan options, including micro loans and installment loans.

The interest rate for LendPinoy loans starts at 3.5% per month, making them an attractive choice for those in need of quick financial assistance. This competitive rate ensures that borrowers can access funds without having to pay exorbitant amounts in interest fees.

Additionally, LendPinoy provides borrowers with the opportunity to lower their interest rates and increase their credit limits by making timely payments on their loans. This incentivizes responsible borrowing and repayment practices, allowing borrowers to improve their financial standing while accessing the funds they need.

It’s important to note that while LendPinoy offers competitive interest rates, it’s essential for borrowers to carefully consider the terms and conditions of the loan before committing. Borrowers should evaluate their ability to repay the loan within the specified time frame and ensure that they fully understand any late payment fees or penalties that may be incurred.

Overall, LendPinoy’s competitive interest rates make them a viable option for individuals seeking affordable and accessible loan services. By providing transparent terms and incentives for responsible borrowing, LendPinoy strives to empower Filipinos in managing their financial needs effectively.

LendPinoy Loan Requirements

Moving on to the next aspect of Lendpinoy’s loan services, let’s delve into the loan requirements that borrowers need to fulfill. Lendpinoy aims to make the application process as seamless as possible, and they’ve kept their requirements straightforward.

To be eligible for a loan from Lendpinoy, applicants must meet certain criteria. First and foremost, borrowers should be at least 25 years old and Filipino citizens residing in Metro Manila City. Additionally, they must be currently employed for a minimum of six months. These requirements ensure that borrowers have a stable source of income and are capable of repaying the loan.

In terms of documents needed for the application process, Lendpinoy requires a valid ID, an active email address, and a mobile number. These documents are essential for verifying the borrower’s identity and contact details.

By keeping their requirements simple and minimal, Lendpinoy aims to provide quick access to funds without unnecessary complications. It allows individuals who meet these criteria to apply easily through their user-friendly mobile app available on both the Google Play Store and Apple App Store.

With these requirements in place, Lendpinoy strives to assist individuals in fulfilling their financial needs efficiently while ensuring responsible lending practices.

How Do You Get Approved for LendPinoy Loan

To get approved for a LendPinoy loan, all you need to do is meet their simple eligibility criteria and provide the necessary documents.

First and foremost, you must be at least 25 years old and a Filipino citizen residing in Metro Manila City. Additionally, you should have a stable employment history of at least six months. These requirements ensure that you have the means to repay the loan amount.

In terms of documents, LendPinoy requires a valid ID, an active email address, and a mobile number that’s currently in use. The ID serves as proof of your identity, while the email and mobile number are essential for communication purposes throughout the loan application process.

Once you meet these criteria and gather the required documents, you can proceed with applying for a LendPinoy loan through their mobile app. Make sure to download the app from either Google Play Store or Apple App Store and create an account using your own active mobile number.

By fulfilling these steps accurately and providing accurate information during the application process, you increase your chances of getting approved for a LendPinoy loan efficiently.

LendPinoy Customer Support

Need assistance with your LendPinoy application? Reach out to their helpful and friendly customer support team for any questions or concerns you may have. LendPinoy understands the importance of providing excellent customer service and strives to ensure that their customers have a smooth and seamless experience.

Whether you need help with the loan application process, have inquiries about loan requirements, or want to know more about repayment options, their customer support team is ready to assist you.

You can easily get in touch with LendPinoy’s customer support through various channels. They can be reached via hotline numbers provided on their website: Smart – 0908.890.5389 / 0961.660.0658, Globe – 0917.877.5363

Their dedicated customer support representatives are available during business hours to address any concerns or provide guidance throughout the loan application process.

LendPinoy values their customers’ satisfaction and aims to resolve any issues promptly and efficiently. If you encounter any difficulties or have specific questions regarding your loan application or account, don’t hesitate to contact their customer support team for immediate assistance. Rest assured that they will do their best to provide the necessary information and support needed for a successful lending experience with LendPinoy.

Exclusive Features of LendPinoy

With its commitment to customer satisfaction, LendPinoy has implemented exclusive features that enhance the borrowing experience for its users. These features set LendPinoy apart from other loan providers and ensure a seamless and convenient process for borrowers.

One of the exclusive features offered by LendPinoy is the ability to earn extra cash through their referral program. Users can refer their friends or family members to LendPinoy and receive a bonus for each successful referral. This not only provides an opportunity to earn additional income but also encourages users to spread the word about LendPinoy’s services.

Another notable feature is the longer loan terms offered by LendPinoy. Unlike many other lenders with shorter repayment periods, LendPinoy allows borrowers more time to repay their loans. This flexibility enables borrowers to better manage their finances and reduces the burden of strict repayment schedules.

Additionally, LendPinoy sends reminders through email, SMS, and app notifications for payment details. This proactive approach helps borrowers stay on top of their payments and avoid any late fees or penalties.

Overall, these exclusive features demonstrate LendPinoy’s dedication to providing an excellent borrowing experience. By offering opportunities for extra earnings, longer loan terms, and effective payment reminders, LendPinoy ensures that its users have a convenient and hassle-free experience when obtaining loans through their platform.

Whom LendPinoy Loan Suits Better?

LendPinoy’s exclusive features make it a perfect choice for borrowers looking to enhance their borrowing experience and maximize their financial opportunities.

With its range of loan products, including Salary Loans, Micro Loans, and Installment Loans, LendPinoy caters to a diverse group of individuals in need of quick and convenient financing.

Borrowers who require immediate funds for emergency expenses or unexpected bills can benefit from LendPinoy’s Micro Loans. These loans offer flexible repayment terms and competitive interest rates, allowing borrowers to meet their financial obligations without undue stress.

For those seeking larger loan amounts with longer repayment periods, LendPinoy’s Installment Loans provide a viable solution. With the option to borrow up to PHP50,000 and repay over a period of 108 days, borrowers can effectively manage their finances while meeting their specific needs.

Additionally, LendPinoy’s Salary Loans are designed specifically for employed individuals who need extra cash before payday. This product offers loan amounts up to 60% of the borrower’s net salary and provides a convenient way to bridge the gap between paychecks.

Overall, LendPinoy caters to a wide range of borrowers by offering various loan options tailored to different financial situations. Whether it’s for emergency expenses or planned expenditures, LendPinoy provides accessible and reliable lending services that suit the needs of Filipinos residing in Metro Manila City.

Frequently Asked Questions

How long does it take to receive the loan amount from Lendpinoy?

The loan amount from Lendpinoy is typically received within minutes after approval. The funds can be disbursed to the borrower’s bank account, e-wallet, or remittance center, providing quick access to the loaned amount.

Can I apply for a Lendpinoy loan if I have a bad credit score?

Yes, individuals with a bad credit score can still apply for a Lendpinoy loan. Lendpinoy considers multiple factors when evaluating loan applications and does not solely rely on credit scores for approval.

What happens if I miss a payment on my Lendpinoy loan?

If a borrower misses a payment on their Lendpinoy loan, they may incur late payment fees and additional interest. It is important to make payments on time to avoid these penalties and maintain a good repayment record.

Is there a penalty for early repayment of a Lendpinoy loan?

There is no penalty for early repayment of a Lendpinoy loan. Borrowers can choose to pay off their loan before the due date without incurring any additional fees or charges.

Can I apply for a Lendpinoy loan if I am self-employed or have irregular income?

Yes, individuals who are self-employed or have irregular income can apply for a Lendpinoy loan. The eligibility criteria require applicants to be Filipino citizens residing in Metro Manila and currently employed for at least six months.


In conclusion, Lendpinoy offers a convenient and secure solution for Filipinos in need of financial assistance. With its easy application process and multiple loan options, Lendpinoy caters to various needs and provides flexibility for borrowers.

The company’s compliance with the Data Privacy Act ensures the safety of customers’ information. While there have been some concerns about debt collection practices, overall, Lendpinoy has received positive reviews for its smooth transactions and good customer service.

Overall, Lendpinoy is a reliable choice for those seeking quick and hassle-free loans in Metro Manila.

Button up
image description