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Fees and Commissions

Our loan matching service, lenture.ph does not charge any interest rates for using money. The loan matching service operates with full integrity. We do not charge any commissions. Our services are completely free for you to use.

Your financial institution outlines the fees for late payments in your agreement. Lenders in the Philippines set their own interest rates and penalties for late repayments.

It is important to note that all financial relationships are between you and your lender, not lenture.ph. We are not a lender and never act as such. As a website, we only match borrowers and financial institutions by offering a selection of lenders that provide cash loans up to ₱25000 for a period of 120 days.

The lender will determine its own policies regarding loan provision and payment. The user agrees to the terms online directly on the lender’s website. You may choose to accept or decline the terms offered in the loan terms. Your agreement details the loan amount, currency, period of use for the funds, and your obligations.

lenture.ph cannot access your loan agreements. If you have questions regarding your loan agreement or repayment, contact your lender directly through the means of communications detailed on their website.

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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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