Lenture

Frequently Asked Questions

How do I apply for a loan through lenture.ph?

You can apply online with our simple form, and we will find a lender that will suit for you.

Is it true that lenture.ph is totally free? Do you charge anything to use your website?

Yes, finding loan offers with lenture.ph is totally free.

How much can I ask for?

Anywhere from ₱ 500 to ₱ 25 000.

What are your borrower requirements?

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.

I’ve got a few blemishes in my credit history. Can I apply?

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?

Absolutely! In fact, that is exactly what we recommend. The longer you wait to pay off your loan, the more you will pay.

What can I do if I canot repay my loan?

Contact your lender as soon as possible. They are often willing to work with you and offer the best solutions available.

How do I pay my loan back?

Only your lender can give you any specific information regarding your loans, including the dates and times for repayment. Repayment periods may vary. Please contact your lender to ask about your loan terms.

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Responsible Lending Policy

lenture.ph is not a lender, nor does it take any decisions regarding loans. lenture.ph finds lenders for customers based on their application information. It earns a commission, paid by the lender, for providing advertising services. We cannot guarantee that a lender will accept your application or that they will offer you loan terms that will suit your needs. Not all lenders can provide loans of up to ₱ 25 000. The time it takes to process and transfer a loan depends on the lender. This website does not directly endorse any particular product or service. Any information on this website is approximate in nature. Some lenders may perform a credit check with a credit reporting agency as a loan condition.

Repayment Periods and Interest Rates

The loans offered on lenture.ph have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). APRs range from 0% to 36%. Interest rates vary from lender to lender.

Collection Policy

lenture.ph 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 Default

lenture.ph 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

If you think you won’t be able to make a payment on time, then it is important to contact your lender beforehand. Your lender may offer to extend or renew your loan. Keep in mind, however, that this will accrue additional interest. Your lender may charge a fee for late payments. The amount is determined by the lender, so please read the loan terms before agreeing. Late payments may also negatively affect your credit score.

Extension Policy

If you wish to renew or extend your current loan, please contact your lender as soon as you can before your payment date. Although some lenders may extend your loan with the same terms as the original loan, each lender has their own extension policy and may charge additional fees or interest. Sometimes, renewals may be processed automatically. Please consider the decision to extend your loan very carefully and seek independent financial advice if necessary.
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