Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support
Borrower requirements
  • You must be 20+
  • 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: +63 917-706-9834
Shedule 24/7 online

Vamo Philippines is a new player in the digital lending industry that offers fast cash loans. Its loan products are designed for borrowers who need to cover urgent expenses. The company has a simple application process and accepts various payment options.

Vamo is an all-digital lending platform that offers loans to borrowers in the Philippines. It is a member of the VIA SMS Group, one of the leading financial enterprises in Europe and Asia, and has a customer base of over 700,000 people. Applicants can apply for a Vamo loan through an online application and receive their funds within 24 hours of approval, except for Sundays, holidays, or non-working days. The money will be sent to your bank account or e-wallet, depending on which one you registered with.


Loan Features

Vamo Philippines is a leading online lending platform that offers a wide range of loans to individuals and businesses. Whether you need funds for personal expenses, business capital, or emergency situations, Vamo Philippines has got you covered. In this article, we will describe the different types of loans available through Vamo Philippines and highlight their unique features.

  1. Personal Loans. Vamo Philippines offers personal loans to individuals who need cash for various purposes such as home renovation, education, travel, or debt consolidation. These loans are unsecured, which means you don’t need to provide any collateral to qualify. Personal loans with Vamo Philippines are convenient and easy to apply for, with flexible terms and competitive interest rates.
  2. Business Loans. If you’re a small business owner or an entrepreneur, Vamo Philippines can help you get the capital you need to grow your business. Their business loans are designed to help you cover expenses such as inventory, equipment, payroll, or expansion. You can choose from different types of business loans such as term loans, lines of credit, or invoice factoring. Vamo Philippines’ business loans are fast and hassle-free, with easy repayment options.
  3. Emergency Loans. Life is unpredictable, and sometimes unexpected expenses can arise. Vamo Philippines offers emergency loans to help you cover unexpected medical bills, car repairs, or other urgent expenses. These loans are designed to provide quick access to cash when you need it most. You can apply for an emergency loan online and receive funds within hours.
  4. Salary Loans. If you need a short-term loan to cover your expenses until your next paycheck, Vamo Philippines’ salary loans might be the perfect solution for you. These loans are designed to help you bridge the gap between paydays and are easy to apply for. You can borrow up to one month’s salary and repay it in affordable installments.
  5. OFW Loans. Vamo Philippines understands the unique financial needs of Overseas Filipino Workers (OFWs). That’s why they offer OFW loans to help you finance your family’s expenses, education, or business. These loans are tailored to meet the needs of OFWs and their families, with flexible terms and competitive interest rates.
Loan parameters
  • Loan amount
    1.000 - 30.000 PHP
  • Interest rate
    1.3% per day
  • Term
    10 — 30 days
  • Age
    20+ years

Application Process

Applying for a loan can be a daunting task, especially when you don’t know where to start. Fortunately, Vamo Philippines makes the application process easy and hassle-free.

Step 1: Visit the Vamo Philippines website

The first step in applying for an online loan with Vamo Philippines is to visit our website. Once you’re on the website, you’ll be able to view the different loan options available to you. Choose the loan that best suits your needs and click on the “Apply Now” button.

Step 2: Fill out the online application form

After clicking on the “Apply Now” button, you’ll be directed to an online application form. Fill out the form with your personal details, employment information, and banking details. Make sure to double-check all the information you’ve provided to avoid any errors.

Step 3: Submit your application

Once you’ve filled out the online application form, click on the “Submit” button. You’ll receive a confirmation email from Vamo Philippines, indicating that your application has been received.

Step 4: Wait for approval

After submitting your application, our team of financial experts will review your application. We’ll assess your creditworthiness and determine whether you’re eligible for the loan. This process usually takes between 24 to 48 hours.

Step 5: Receive your loan

If your application is approved, you’ll receive an email from Vamo Philippines indicating that your loan has been approved. The funds will be deposited directly into your bank account within 24 hours. You can use the funds for any purpose you wish.

As you can see, applying for an online loan with Vamo Philippines is a simple and straightforward process. With our fast approval time, you can get the funds you need in no time.

The application process for an online loan with Vamo Philippines typically takes between 24 to 48 hours. However, the actual time it takes to approve your loan application may vary depending on factors such as the loan amount, your creditworthiness, and the completeness of your application.

In some cases, our team of financial experts may require additional documentation or information before approving your loan application. If this is the case, we’ll contact you via email or phone to request the necessary information.

  • Convenient and Fast: Vamo offers a quick and convenient loan application process, allowing borrowers to access funds in a short period of time.
  • Flexible Loan Options: Vamo provides flexible loan options, allowing borrowers to choose the loan amount and repayment term that suits their financial needs.
  • No Collateral Required: Vamo offers unsecured loans, which means borrowers do not need to provide any collateral to secure the loan.
  • Competitive Interest Rates: Vamo aims to provide competitive interest rates, ensuring that borrowers can access funds at reasonable terms.
  • Online Application: Vamo provides an online platform, allowing borrowers to conveniently apply for loans from the comfort of their own homes.
  • Limited Loan Amount: Depending on the borrower's financial profile, Vamo may have a limit on the maximum loan amount that can be availed.
  • Service Fees: Vamo may charge service fees or processing fees for loan applications, which can add to the overall cost of borrowing.
  • Interest Rates: While Vamo aims to provide competitive interest rates, the actual interest rate offered may vary based on the borrower's creditworthiness and other factors.

Interest Rates and Fees

Looking for a quick and easy way to get cash in the Philippines? Vamo Philippines online loans may be just what you need. With Vamo, you can apply for a loan online and get approved in minutes, making it a convenient solution for unexpected expenses or emergencies.

However, before you apply for a loan with Vamo Philippines, it’s important to understand the interest rates and fees associated with their loans.

Interest Rates

Like many other online lenders, Vamo Philippines charges interest rates that vary depending on the loan amount and the term. Their interest rates range from 2.5% to 15% per month, which is relatively competitive in the online lending industry.

For example, if you borrow PHP 10,000 for 30 days, you can expect to pay an interest rate of 2.5% per month, or PHP 250 in total. On the other hand, if you borrow PHP 50,000 for 90 days, you can expect to pay an interest rate of 10% per month, or PHP 15,000 in total.

It’s worth noting that Vamo Philippines calculates interest on a daily basis, which means that the longer you take to repay your loan, the more interest you’ll end up paying.


In addition to interest rates, Vamo Philippines charges various fees for their loans. These fees include:

  • Processing Fee: Vamo Philippines charges a processing fee of up to 6% of the loan amount. For example, if you borrow PHP 10,000, you may need to pay a processing fee of up to PHP 600.
  • Late Payment Fee: If you don’t make your loan payments on time, Vamo Philippines will charge you a late payment fee of 5% of the outstanding balance.
  • Collection Fee: If you default on your loan and Vamo Philippines needs to hire a collection agency to recover the money, you may be charged a collection fee of up to 20% of the outstanding balance.
  • It’s important to note that these fees can add up quickly, so make sure you factor them into your calculations when deciding whether to apply for a loan with Vamo Philippines.

    Customer service

    If you have questions or concerns about the service, you can contact the customer care team through email or phone. The Vamo representative will explain the entire process and answer your queries in a timely manner. You can also request a copy of your loan contract for reference purposes. In addition, the company has a secure online platform where you can check your loan status anytime.

    The company also provides a free quotation calculator to help you plan your finances ahead of time. You can use it to calculate your possible loan amount, the interest based on your loan amount, the processing fee, and your first monthly payment. Vamo offers several convenient ways to pay your loan, including online banking, over-the-counter and ATM payments, and e-wallet payment options such as Gcash, Grabpay, and Paymaya.

    Example of calculating loan

    Term 10 days 15 days 30 days
    Loan amount ₱20000 ₱20000 ₱20000
    Interest rate per day 1.3% 1.3% 1.3%
    Overpayment ₱2600 ₱4500 ₱7800
    Total repayment ₱22600 ₱24500 ₱27800


    Vamo is a fairly new player in the digital lending space, but it’s making good impressions among its early adopters. Many people have praised its minimal requirements and simple application process. However, it’s important to understand the terms and conditions before applying for an online loan. This includes the fact that a short repayment term of only 10 days makes it difficult to pay off your debts on time.

    Overall, Vamo Philippines online loans offer competitive interest rates and fees that are comparable to other online lenders in the Philippines. However, it’s important to remember that borrowing money always comes with a cost, so make sure you understand the interest rates and fees associated with your loan before you apply.

    If you decide to apply for a loan with Vamo Philippines, make sure you borrow only what you need and have a plan in place to repay the loan on time. By doing so, you can take advantage of the convenience and flexibility of online lending while minimizing your overall costs.

    Michael Dumaloan | Modified date: August 09, 2023

    Vamo reviews

    Aurora Gonzales
    22 November 2023
    Vamo provided me with the required amount quickly and without any questions. Thank you very much for your efficiency!
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    Arlo Chavez
    I filled out the loan app quickly, after 20 min I received a message that ₱7000 were approved. The first loan was interest-free. Settled with them, raised the limit. I like it!
    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
    Nelson Delos Reyes
    At first I was suspicious, but what to do, money is needed. I asked everything in the chat so that there would be no unpleasant surprises. I took it back, there were no problems, but of course I had to pay for the use. It seems that it was under...
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