Urgent Money

Who We Are

Our platform is committed to providing you with offers that work for you, saving you time. It takes just five minutes to apply, and we can help you get funds for a short period, without any collateral or cosigners. You are welcome to use our service even if your credit history is not perfect. Loans up to ₱ 25000 are the best option for those looking to receive a small amount for a short period.

Our loan matching services is completely free for our customers. Everything is online, meaning that we never call users and do not request information or personal data. Please note, however, that we do not offer funds and can’t guarantee that lenders will approve your loan.

Regulated lenders will never ask you for a commission or percentage before transferring the full amount of the loan to your card. Please be wary of messages or calls requesting you to transfer money to an account with an unknown organization. Lenders take a decision to provide funds only after they have received all of the applicant’s information.

People with poor credit histories, students, retirees, freelancers, and those between jobs can find loans on our platform. The most important condition is that you have a regular source of income. The decision to accept or refuse a loan is yours. Always. Please read the agreement terms carefully and be sure that you understand your obligations as a borrower before the receiving the money.

If you still have questions, you can reach us through the feedback form.

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Intermediary Responsibilities Policy

We represent Fininity Ltd, which acts a credit broker. We are not a lender. urgent-money.com does not directly offer any type of loans or consumer loan products.

Repayment Periods and Interest Rates

The APR is the cost of borrowing a loan, expressed as a nominal annual interest rate. As urgent-money.com is a credit broker and not a lender, we cannot guarantee a particular annual percentage rate. Annual percentage rates typically range from 0% to 36%. Repayment periods for loan products usually range from four months to six months. Before accepting a lender’s offer through our system, please make sure to read through the loan agreement carefully, since interest rates and repayment terms may differ from those listed on this website.

Collection Policy

urgent-money.com does not collect payments. Your lender will contact you by regular mail, email, or phone to outline a repayment schedule. Please contact your lender to determine their collection process, as the terms may vary.

Consequences of Nonpayment

urgent-money.com always recommends repaying on time. If you cannot, each lender has their own policies on fees/interest and how they handle debt collection. Most lenders will contact you by regular mail, email, or phone to change your payment terms. Nonpayment may result in penalties and/or increased interest. We recommend that you contact your lender as soon as you know there is an issue; otherwise, your credit history may get affected.

Late Payments

Please contact your lender directly if you think that you cannot repay your loan on time. Lenders may be able to extend or renew your loan under the initial terms and conditions. Terms and late payment options vary by lender. Please note that late payments may result in additional fees or interest and may also negatively affect your credit score.

Extension Policy

If you would like to extend your loan, you should contact your lender before missing a payment. Most lenders charge the same interest rate and commissions for another month on the total amount due. The loan may be renewed or extended automatically in the event of late or nonpayment. Additional interest and/or fees may be charged to your account. Please, think carefully before extending your loan, as doing so may substantially increase the amount you pay.

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