Urgent Money

Useful Information

How do I apply for a loan through urgent-money.com?

Once you enter your information into the form, urgent-money.com will start searching for lenders that meet your needs. If we find a match, you will be redirected to the lender’s website to review the offer. You do not have any obligation to accept any offer, and you can simply decline any that doesn’t work for you. Please be sure that you have fully read and understood the lender’s terms and conditions before accepting their offer. They will be displayed clearly before you can agree to proceed.

Is urgent-money.com free?

Yes, finding loan offers with urgent-money.com is totally free.

What’s the most I can get?

Anywhere from ₱ 500 to ₱ 25 000.

Who can get a loan through urgent-money.com?

If you want to apply, you must: 1. Be a legal citizen of the Philippines. 2. Be over 18 and under 80 years old. 3. Have a valid debit card or bank account. 4. Have a valid SSS or TIN or UMID card. 5. Have any form of income (official or unofficial). 6. Have a personal email address and mobile phone number.

Will they give me a loan if my credit history is not perfect?

Our lenders strive to serve all customers, no matter their history or circumstances. They will consider your ability to make payments along with your credit history.

Can I make payments on my loan ahead of schedule?

Yes, you can repay your loan at any time. The sooner you pay it off, the less you will pay in interest. The interest accrues only for those days that you actually used the loan. You can make payments ahead of time and pay only for the days you actually used the borrowed funds.

What can I do if I canot repay my loan?

If you are unable to repay your loan, this means you cannot perform your loan obligations. Late payments or delinquencies may negatively affect your ability to borrow any money. Please reach out to your lender immediately if you think you cannot pay on time.

When do I have to repay my loan?

Although repayment periods and terms vary, the type of product you apply for will matter when it comes to repaying your loan. Your loan agreement will give you detailed information regarding when payments start, how often and when they occur, and how long the repayment period lasts.

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Responsible Lending Policy

urgent-money.com matches loan offers to customers, acting as an intermediary between them and licensed financial institutions. urgent-money.com is not a financial institution, bank, or lender. It is not responsible in any way for loan agreements or terms. All calculations are approximate. Please check the lending institution’s website for the relevant terms and conditions.

Repayment Periods and Interest Rates

The loans offered on this website through Fininity Ltd have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). Our repayment periods are typically 120 days. Rates vary from 0% to 36%. Interest rates vary from lender to lender. Your situation and credit score will affect the rates offered to you.

Collection Process

Most lenders will contant you through regular mail, email, or phone to change your payment terms. Failure to pay may result in interest accruals and/or increases and may affect your credit score. Continued failing to pay may result in the lender transferring your debt to a collection agency, which will lead to additional fees.

Default

If you cannot repay on time, your lender may start the collection process as per the loan agreement. Your lender will often contact you to arrange an alternative repayment schedule. This could result in additional fees or interest. Lenders also have an option to file a lawsuit against you. Consider contacting your lender before missing a payment to find out what collection policy they have and discuss your repayment options.

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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