VPlus
Philippine Vastness Lending CorporationDecide based on your real situation, not on how fast approval is.
Maximum 18% annual interest: low cost compared with many online cash loan apps.
4.6 stars from 37K+ Google Play reviews: a large, established user base.
Terms of up to 180 days only: higher installments than longer-term loans.
Maximum loan of ₱50,000: too small for larger expenses.
VPlus is a Philippine online cash loan app operated by Peso Agad Lending Corporation, formerly Philippine Vastness Lending Corporation (SEC Reg. No. CS201918401, CA No. 3158). It offers loans of ₱1,000 to ₱50,000 for 91 to 180 days with a maximum annual interest rate of 18%. Borrowers need one valid government ID and a mobile number, with no collateral or credit score required. Approved loans go to GCash, Maya or a bank account, 24/7. The app has a 4.6-star rating from 37K+ Google Play reviews, and VPlus says it has served 500K+ borrowers. The FAQs below cover SEC status, limits, costs, eligibility, applying, payout, contacts and complaints.
Accepted answer
Requirement: At least 21 years old with one valid government ID and a mobile number.
Benefit: No collateral, guarantor or credit score needed.
Characteristic: Loans of ₱1,000 to ₱50,000 with terms of 91 to 180 days.
Differentiator: Maximum annual interest rate of 18%.
