In the dynamic digital lending landscape, Vamo has emerged as a notable player in the Philippines, providing swift and accessible loan solutions.

Established in 2020, Vamo operates as a digital lending platform under the umbrella of the VIA SMS Group, a leading financial solutions provider with a significant presence in Europe and Asia.

This section will provide an insightful review of Vamo, highlighting its key features, legal standing, advantages, and potential considerations for borrowers.

What is Vamo?

Vamo Loan Logo

Vamo is a digital lending platform that offers Filipinos a seamless and efficient way to access loans without the complexities associated with traditional lending.

As part of the VIA SMS Group, Vamo holds a Certificate of Authority from the Securities and Exchange Commission, affirming its legal status and authorization to conduct lending services in the Philippines.

The platform was established with the aim of providing easy and manageable credit lines to Filipinos, particularly targeting the underserved and unbanked populations.

Vamo’s fully digitized services streamline the borrowing process, allowing users to apply for loans online, receive quick approvals, and access funds promptly.

Is Vamo Legal?

Vamo is a legal and authorized lending platform operating in the Philippines. Here are the key points confirming the legitimacy of Vamo:

Certificate of Authority: Vamo Lending Inc., the company behind the Vamo platform, is registered with the Securities and Exchange Commission (SEC). The registration details include:

  1. Company Name: Vamo Lending Inc.
    • Registration No.: CS20200000915
    • Certificate of Authority: 3261
    • Anniversary Date: 09Mar20
  2. SEC Authorization: Holding a Certificate of Authority from the SEC means that Vamo has undergone the necessary regulatory processes and has received authorization to provide lending services in the Philippines.
  3. Compliance with Regulations: As a regulated entity, Vamo adheres to specific standards and regulations set by the SEC. This provides an additional layer of protection for borrowers, ensuring that the lending practices meet established legal requirements.
  4. Data Security: Vamo places a strong emphasis on data security. The platform employs advanced security measures to protect the personal and financial information of its users, adhering to privacy and security standards.
  5. Customer Trust: With a customer base of over 700,000 across different countries, including the Philippines, Vamo has earned the trust of a significant number of users, highlighting its commitment to ethical and legal lending practices.

In summary, Vamo is a legitimate lending platform duly authorized by the SEC, providing Filipinos with a legal and secure avenue for accessing quick loans.

Key Features of Vamo

Feature Description
Loan Amount Vamo offers loan amounts ranging from ₱1000 to ₱30000, providing flexibility to borrowers with varied needs.
Loan Term The platform offers loan terms spanning from 10 to 300 days, allowing borrowers to choose a suitable repayment period.
Approval Duration Vamo boasts a swift approval process, with average approval times ranging from 2 to 12 hours, ensuring quick access to funds.
Various Repayment Methods Provides multiple options for repayment, including full repayment or minimum monthly payments.
Legal Authorization Holds a Certificate of Authority from the Securities and Exchange Commission (SEC).

Pros and Cons of Vamo

As an online lending platform, Vamo comes with its own advantages and disadvantages. Understanding these aspects can help you make an informed decision when considering Vamo for your financial needs.


  1. Vamo offers quick and unsecured loans, providing a rapid solution for financial needs without requiring collateral.
  1. The entire loan application process with Vamo is conducted online, offering a convenient and efficient experience for borrowers.
  1. Vamo provides various methods for repaying loans, allowing borrowers to choose between full repayment or minimum monthly payments.
  1. The loan approval process typically takes 24 hours, ensuring that borrowers can swiftly address their financial concerns.


  1. Vamo charges a processing fee for every invoice, which is an additional cost that borrowers need to consider.
  1. Compared to some other online lending options, Vamo has a relatively higher interest rate, impacting the overall cost of borrowing.

While Vamo offers speed and convenience, potential borrowers should weigh the advantages against the associated fees and interest rates to determine if it aligns with their financial preferences and capabilities.

Loans provided by Vamo

Loan Types Description
Personal Emergency Loan Designed to address unexpected expenses, this loan type provides quick access to funds to manage urgent financial situations.
Medical Expenses Loan Intended for covering medical bills and related expenses, this loan helps individuals handle healthcare costs without delay.
Education Loan Tailored for educational purposes, this loan assists borrowers in funding tuition fees, educational materials, or other academic expenses.
Home Improvement Loan Geared towards home-related projects or repairs, this loan supports individuals looking to enhance their living spaces.
Business Expansion Loan For entrepreneurs and business owners, this loan type provides capital for business growth and expansion.

Vamo’s diverse loan offerings aim to address a range of financial needs, providing borrowers with flexibility and options based on their specific requirements. It’s important for applicants to choose the loan type that aligns with their financial goals and circumstances.

Best Online Loans Similar to Vamo

Expect our table to feature an assortment of the best online loan platforms in the Philippines, closely matching the services provided by Vamo.

Company Loan Amount (PHP) Interest Rate Loan Term
Digido 1,000 – 25,000 From 0% to 11.9% Up to 30 days
MoneyCat 500 – 20,000 Up to 11.9% per month Up to 180 days
Kviku 500 – 25,000 1.2% per month Up to 180 days
Cashspace 1000 – 25,000 1.3% per month 2 – 4 months

Vamo Requirements

Before applying for a loan with Vamo, it’s crucial to ensure that you meet the specified requirements. Here are the key eligibility criteria and documentation needed to qualify for a Vamo loan:

1. Citizenship and Residence

Applicants must be Filipino citizens residing in the Philippines. This requirement ensures that the lending service is available to the local population.

2. Age Criteria

Borrowers should be between 20 and 65 years old. This age range defines the eligible demographic for Vamo loan applicants.

3. Valid Identification

A valid government-issued ID is a prerequisite for the application process. Acceptable IDs include a national ID, passport, driver’s license, GSIS, or SSS number.

4. Employment or Self-Employment

Applicants need to provide information about their employment status. Whether employed or self-employed, a stable source of income is a key factor in the loan application.

5. Bank Account or Digital Wallet

Having a bank account or a digital wallet, such as PayMaya, GCash, or GrabPay, is essential for fund disbursement and repayment.

6. Contact References

Applicants may be required to provide contact references who can verify the applicant’s information. These references add a layer of credibility to the application.

7. Compliance with Vamo’s Policies

Applicants must adhere to Vamo’s policies and guidelines throughout the application and loan repayment processes.

8. Adherence to Loan Limits

Compliance with the specified loan limits is crucial. Borrowers should be aware of the maximum and minimum loan amounts allowed by Vamo.

By ensuring these requirements are met and providing accurate information during the application process, applicants can enhance their chances of successful loan applications with Vamo. Always borrow responsibly and choose a loan amount that aligns with your financial capabilities and needs.

How Do You Get Approved for Vamo?

Getting approved for a loan with Vamo involves a straightforward process. Here’s a step-by-step guide on how to increase your chances of approval:

1. Eligibility Check

Ensure that you meet all the eligibility criteria set by Vamo. This includes being a Filipino citizen, within the age range of 20 to 65, possessing a valid ID, and having stable employment or self-employment.

2. Prepare Documentation

Gather the necessary documentation, including a valid ID (national ID, passport, driver’s license, GSIS, or SSS number), details about your employment or business, and your current income.

3. Online Application

Visit the Vamo website ( and click on the ‘Apply Now’ tab. Fill out the loan application form with accurate and up-to-date information.

4. Submission Confirmation

After submitting the application, you’ll receive a confirmation. Vamo may also send a one-time password (OTP) to verify your submission.

5. Application Review

Vamo’s team will review your application, typically within 24 hours. During this process, a customer service representative may contact you for additional verification.

6. Loan Approval

Upon successful review, if your loan is approved, the funds will be disbursed to your designated bank account or digital wallet.

7. Withdraw and Use Funds

Once the approved credit is in your account, you can proceed to withdraw the funds for your intended use.

8. Repayment Planning

Plan for timely repayments. Vamo provides flexible repayment options, allowing borrowers to choose between full repayment or minimum monthly payments.

9. Utilize Customer Support if Needed

If you have any questions or concerns throughout the process, Vamo’s customer support is available through email or telephone. You can find the contact details on the website.

By following these steps and ensuring that you provide accurate information, you enhance your chances of a smooth and successful loan approval process with Vamo. Remember, responsible borrowing is key to maintaining a positive financial standing.

Custom Support

Vamo places a strong emphasis on customer support, aiming to provide assistance and address inquiries promptly. Here’s how you can reach out:

Frequently Asked Questions

How Do I Apply for a Vamo Loan?

Fill out the online application form on the Vamo website. Provide necessary details including work information and financial details. Wait for approval, usually within 24 hours. Upon approval, receive the funds in your bank account or e-wallet.

What Are the Requirements for a Vamo Loan?

How Can I Contact Vamo Customer Support?

Vamo Competitors

Company Loan Amount (PHP) Interest Rate Loan Term Our Review
Digido 1,000 – 25,000 From 0% to 11.9% Up to 30 days Read Digido Review
MoneyCat 500 – 20,000 Up to 11.9% per month Up to 180 days Read MoneyCat Review
CashMart 3,000 – 150,000 From 0,8% to 3,5% Up to 6 months for new loan Read CashMart Review
EasyCash 5,000 – 25,000 0,33%-1% From 1 to 300 days Read EasyCash Review
Crezu 1,000 – 25,000 From 1.5% per month to 30% per year From 3 to 12 months Read Crezu Review
CashMe 2,000 – 20,000 0,08% per day Up to 3 months Read CashMe Review
Blend 50000 – 2 million From 1,5% to 3% monthly Up to 36 months Read Blend Review
Binixo 2000 – 30000 1% per day From 7 days to 30 days Read Binixo Review
Asteria Lending Inc 2000 – 50000 0.2% per day From 30 days to 120 days Read Asteria Review
Loanmoto 1,000 – 12,000 4% – 6% per month Read Loanmoto Review
Finbro 1,000 – 50,000 0.5% – 1.25% per day Up to 12 months Read Finbro Review
Kviku 500 – 25,000 1.2% per month Up to 180 days Read Kviku Review
Binixo 2000 – 30000 1% per day From 7 days to 30 days Read Binixo Review
PesoQ 5,000 – 20,000 4% – 6% per month 91 – 365 days Read PesoQ Review
GCash 5,000 – 25,000 From 3% to 15% From 15 to 90 days Read GCash Review
CashBee 2,000 – 20,000 0,3% daily From 30 to 120 days Read CashBee Review
Revi Credit Philippines 1000 – 250,000 1% – 5% From 6 to 36 months Read Revi Credit Review
Tala 1,000 – 25,000 15% – 15.7% From 15 to 61 days Read Tala Review
OKPeso Up to 24% From 96 to 365 days Read OKPeso Review
Flexi Finance Up to 25,000 From 365 to 1460 days Read Flexi Finance Review
JuanHand Up to 50,000 14.7% per month From 14 to 90 days Read JuanHand Review
Moca Moca 2,000 – 35,000 0.83% per month From 180 to 365 days Read Moca Moca Review
RoboCash 1,000 – 25,000 From 0% to 11.9% Up to 30 days Read RoboCash Review
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