PayMaya Loan Philippines
Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support
Borrower requirements
  • You must be 18+
  • 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 8845-7788
Service available 24/7

PayMaya is a prepaid online payment app. To use PayMaya, you must sign up for an account. Sign up is easy – all you have to do is tap a few times on the app to create your account. Once you have created an account, read and agree to the terms of service. A verification code will be sent to your phone via SMS. After you input the verification code, you will be taken to a payment page, where you can enter the amount and confirm your purchase.

To use Maya, you need to have a valid ID. Two primary IDs are sufficient, but if you are under 18, you will need a birth certificate. You will need a fast, stable internet connection to complete the process. You will also have to upload a photo of your ID. The photo must show both the front and back of the ID. This verification process can take up to four minutes.

Offering loans through Cash ni Juan service

The new lending product from PayMaya enables its users to borrow between P2,000 and P5,000 from a local lender. Through a partnership with SnapCash Lending Inc., the loan comes with a low interest rate of 0.08%. Borrowers must be at least 18 years old and be members of PayMaya. Moreover, they can request for a PayMaya VISA Debit Card in order to complete the process and receive the cash they need.

To avail of the Cash ni Juan service, Maya customers must be regular users of the app. They must also have a Maya account with an option for Credit Score. Once they are approved for a Maya loan, they will receive a message confirming their approval. The loan amount will increase as the user’s credit score increases. To qualify for the Cash ni Juan service, users must be a Filipino citizen.

Loan parameters
  • Loan amount
    500 - 250.000 PHP
  • Interest rate
    0,046% per day
  • Term
    14 - 1450 days
  • Age

Regulated by Bangko Sentral ng Pilipinas

Philippines central bank, BSP, has capped the number of digital lenders to seven. The ban will also cover bank-owned EMIs. The ban will ensure the financial stability of the country’s digital payments sector. BSP is also assessing the impact of the number of players in the market. The central bank hopes to regulate and improve the payment process of the country’s citizens.

The company has an extensive on-ground presence in the Philippines, with 63,000 TouchPad agents nationwide. This makes PayMaya a de-facto financial hub for underserved Filipinos. Voyager entered the digital banking space with Maya Bank in September 2021 and began pilot testing in March 2022. The company is a leading technology company in the Philippines focused on digital inclusion and customer-centric emerging market platforms.

Legitimate app

PayMaya is a mobile app that serves as a virtual prepaid card for online purchases and other transactions. It also enables users to manage bank transfers and monthly bills. The company boasts of over 40,000 partners nationwide including the Philippines’ biggest shopping mall, 7-Eleven. This app offers consumers a variety of financial services, such as bill payment, money transfers, and loan application. Maya is a legitimate app that is certified by the Bangko Sentral ng Pilipinas (BSP).

To qualify, customers must first be a regular customer of PayMaya. This means paying bills and monthly dues regularly. Then, customers can upgrade their accounts by activating the Credit Scoring option in their settings. They must also be a Philippine citizen. Finally, they must download the PayMaya app and verify their identity with a video call. The app also requires applicants to be employed and living in the Philippines.

Available in the Philippines

Maya is one of the largest mobile wallet applications in the Philippines. It offers hassle-free and safe mobile transactions. Now, it also offers loan services through its lending arm, PayMaya Lending Corporation. The Philippines’ user protection regulator has approved PayMaya for its loan services. You can get one of their loans for any purpose, even if you don’t have a bank account. This mobile loan service is regulated by the BSP.

With its growing list of features, PayMaya has become an integral part of Filipinos’ daily lives. Besides bill payments, PayMaya also offers digital goods topping, online retail, face-to-face retail, and donations. In addition, it recently partnered with Smart to launch its GigaPay app, allowing Smart customers to use their PayMaya e-wallet as a payment source for their GigaLife transactions.

PayMaya reviews

Danielle Lim
03 December 2022
He always helps me when I urgently need money. Simple submission of documents. Quick clearance.
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Trevion O\\\\\\\\\\\\\\\'Reilly
You lend around the clock. The layout is transparent. I took out a regular loan with no collateral. Closes without problems.
Jose Cruz
I was looking for online loans and came across this site. The managers suggested the best loan for me under the terms and after 2 hours the money was already on the card.
Antonio Gonzales
I have heard many reviews about the company and only positive ones. Fast clearance, friendly staff. Permanent promotions and pleasant bonuses. If there is no time to come to the office, you can apply for a personal card through the mobile application.
Josephine dela Cruz
This is the best online loan company when compared with others. Everything is quick and clear, it concerns receipt and repayment. You can use an extension if necessary. No compulsory insurances and nice bonus system
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