Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support
Borrower requirements
  • You must be 21+
  • Reside in the Ph and have a valid ID
  • Provide proof of your income
  • Have an active checking account
  • Credit or Debit card
Contact information
Phone number: +632 5318 8000
Shedule Website is accessible 24/7

Fundko Philippines is a well-known brand in the financial industry with a strong reputation for providing innovative solutions to the lending market. With a focus on technology-driven lending, Fundko has been able to offer its customers a seamless borrowing experience that is both fast and reliable. Its commitment to excellence and customer satisfaction has made it a trusted partner for those seeking financial assistance in the Philippines. In this blog post, we will explore the various aspects of Fundko’s operations and how they have become a leading player in the lending industry.


How does Fundko work?

Fundko Philippines operates as a marketplace for borrowers and investors, connecting them through its online platform. The company’s mission is to provide Filipinos with an alternative to traditional banking systems, making loans more accessible and affordable.

To apply for a loan through Fundko, borrowers need to create an account on the platform and complete their profile. The company uses a proprietary credit scoring system that evaluates the borrower’s creditworthiness and risk profile based on different factors, such as their credit history, income, and other financial data.

Once the borrower’s profile is complete, they can submit a loan application, indicating the amount they need and the purpose of the loan. Fundko will then verify the applicant’s information and assess their credit score to determine their eligibility for a loan.

If the loan application is approved, the borrower can expect to receive the funds in their bank account within a few days. The loan repayment terms will depend on the borrower’s chosen loan plan and will include the interest rate, monthly payments, and other fees.

Requirements and qualifications

To apply for a loan through Fundko Philippines, borrowers must meet certain requirements and qualifications. These include:

  • Being a Filipino citizen or a permanent resident in the Philippines
  • Being at least 21 years old and not more than 65 years old
  • Having a stable source of income or a business that has been operational for at least six months
  • Having a valid government-issued ID – Having an active bank account and email address

It’s important to note that Fundko Philippines will also consider the borrower’s credit score when evaluating their loan application. A higher credit score will increase the chances of approval and may also lead to better loan terms, such as lower interest rates and longer repayment periods.

Credit scoring and loan applications

Credit scoring is a crucial factor in the loan application process because it helps lenders assess the borrower’s creditworthiness and risk profile. A credit score is a numerical representation of the borrower’s credit history, indicating how likely they are to repay their debts on time.

Fundko Philippines uses its proprietary credit scoring system to evaluate the borrower’s creditworthiness and risk profile. The company considers various factors, such as the borrower’s credit history, income, and other financial data, to determine their credit score.

A higher credit score indicates that the borrower is a low-risk borrower and is more likely to repay their loans on time. This, in turn, increases their chances of loan approval and may also lead to better loan terms, such as lower interest rates and longer repayment periods.

Loan parameters
  • Loan amount
    15.000 - 250.000 PHP
  • Interest rate
    0.05% per day
  • Term
    90 - 365 days
  • Age
    21+ years
  • Service fee
    2.5% to 4.5% of the loan amount

Types of loans offered by Fundko Philippines

Fundko Philippines is a leading online lending platform that offers various types of loans to cater to the financial needs of Filipinos. With its user-friendly platform and hassle-free loan application process, Fundko has made it easier for individuals and businesses to access the funding they need. In this blog post, we will discuss the different types of loans offered by Fundko and their features and benefits.

  1. Personal Loans

    Personal loans are unsecured loans that are designed to meet the financial needs of individuals. Fundko offers personal loans ranging from PHP 5,000 to PHP 200,000 with repayment terms of 3 to 36 months. The interest rates for personal loans range from 2.5% to 7.9% per month, depending on the borrower’s credit score and repayment capacity.

    The features of Fundko’s personal loans include a fast and easy online application process, flexible repayment terms, and no collateral requirements. Borrowers can use personal loans for various purposes, such as debt consolidation, home renovation, medical expenses, or travel.

  2. Business Loans

    Fundko also offers business loans to support the growth and expansion of small and medium-sized enterprises (SMEs) in the Philippines. Business loans range from PHP 10,000 to PHP 10 million with repayment terms of 1 to 36 months. The interest rates for business loans range from 1.5% to 5% per month, depending on the borrower’s credit score and business performance.

    The features of Fundko’s business loans include a streamlined application process, fast approval, and disbursement, no collateral requirements, and customized loan packages for different business needs. SMEs can use business loans to finance inventory, equipment, working capital, or expansion projects.

  3. Salary Loans

    Salary loans are short-term loans that are designed to help employees meet their urgent financial needs. Fundko offers salary loans ranging from PHP 5,000 to PHP 50,000 with repayment terms of 14 to 60 days. The interest rates for salary loans range from 1.99% to 4.99% per month, depending on the borrower’s salary and employment status.

    The features of Fundko’s salary loans include a simple and fast application process, no collateral requirements, and same-day approval and disbursement. Borrowers can use salary loans for various purposes, such as medical emergencies, tuition fees, or unexpected expenses.

  4. Invoice Financing

    Invoice financing is a type of loan that allows businesses to convert their unpaid invoices into cash. Fundko offers invoice financing to SMEs that have outstanding invoices from reputable clients. Invoice financing amounts range from PHP 10,000 to PHP 10 million with repayment terms of 30 to 90 days. The interest rates for invoice financing range from 1.5% to 5% per month, depending on the value and age of the invoices.

    The features of Fundko’s invoice financing include a simple and secure online application process, fast approval and disbursement, and no collateral requirements. SMEs can use invoice financing to improve their cash flow, pay suppliers, or fund new projects.

  • Loan amount can be as low as PHP 5,000, making it accessible to more people.
  • Interest rates are relatively low compared to other lending institutions in the Philippines.
  • Loan terms are flexible, ranging from 3 months to 24 months.
  • Online application process is convenient and hassle-free.
  • Fundko charges a processing fee.

Who can avail of Fundko Philippines’ loans?

One of the main advantages of Fundko is its flexible lending approach, which allows it to cater to a wide range of borrowers. Whether you are an employee, a freelancer, a small business owner, or a startup founder, Fundko can offer you a loan that fits your needs.

So, who can avail of Fundko Philippines’ loans? The short answer is anyone who meets the following qualifications:

  1. Age requirement: Borrowers must be at least 21 years old and not older than 60 years old at the time of application.
  2. Source of income: Borrowers must have a stable source of income, whether from employment, self-employment, or business.
  3. Creditworthiness: Borrowers must have a good credit standing, as determined by Fundko’s credit assessment process.
  4. Residency: Borrowers must be Filipino citizens and residents of the Philippines.
  5. Valid ID and other documents: Borrowers must provide valid government-issued IDs and other supporting documents, such as proof of income, proof of address, and bank statements.

Apart from these basic qualifications, Fundko also considers other factors, such as the purpose of the loan and the borrower’s capacity to repay. Fundko’s loan products are designed to address various financial needs, such as personal loans, business loans, salary loans, and medical loans.

For personal loans, borrowers can apply for amounts ranging from Php 5,000 to Php 200,000, with repayment terms of 6 to 36 months. Business loans, on the other hand, can be availed of for amounts up to Php 2 million, with repayment terms of up to 24 months.

In summary, Fundko Philippines’ loans are available to a broad spectrum of borrowers, provided they meet the necessary qualifications. Whether you need funds for personal or business purposes, Fundko can provide you with a loan that is affordable, flexible, and tailored to your needs.

Fundko reviews

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Teresita Flores
The loan process is simple and hassle-free. Nice service. The next day I received the amount I needed. I will recommend the service to my friends
Marilyn Garcia
Convenient and understandable service for obtaining online loans. Very helpful in difficult times.
Evert Jones
I am a regular customer, I always pay my loan on time. Favorable conditions, easy repayment process
Jakob Gleason
I liked everything. They approved a loan for the amount I needed on favorable terms. I\'m about to finish paying.
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