Urgent Money

How Do I Get a Loan?

urgent-money.com is a service that helps you get loans. Loans up to ₱ 25000 are issued for a period of 120 days to citizens of the Philippines aged 18 or older. The loan amount depends on the terms set by your financial institution. We cannot guarantee that each institution will offer you a loan for the maximum amount with the longest repayment period.

The general requirements to the borrowers are:

  • Legal citizenship in the Philippines
  • 18–65 years of age
  • A valid SSS or TIN, and UMID card
  • Any form of income (official or unofficial)

Generally, it takes up to 30 minutes to apply and get an approval. All you need is specify how much you would like to borrow and for how long, fill out a basic form (name, ID, etc.), and send it through our platform. We will give you a list of lenders who have a pre-approved loan for you. Next, you choose a loan and read through the terms and conditions. If you decide to accept the terms, the lender will send the funds to your account or credit card. You can complete your loan application at any time, there are no obligations to commit to anything.

Frequently asked questionsPrivacy policyContactsCommission and Fees
CookiesAbout usHow it worksTerms and Conditions

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.

Address: Paadi tee 3, Haabneeme, 74001 Harju maakond, Estonia.

© 2024 urgent-money.com