Lazada Loans Review

Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support

Lazada Loans in the Philippines offers an innovative and convenient way for shoppers to finance their purchases on one of Southeast Asia’s biggest online shopping platforms, Lazada. This financial service aims to provide a seamless shopping experience by allowing consumers to apply for quick loans directly through the Lazada app or website, enabling them to buy now and pay later.

Lazada Loans

Designed to enhance customer satisfaction and loyalty, Lazada Loans partners with reputable financial institutions to offer competitive interest rates and flexible repayment plans. The application process is straightforward and fully digital, with minimal documentation required, making it accessible to a broad audience, including those with limited access to traditional banking services.

Eligibility criteria are designed to be inclusive, focusing on the shopper’s transaction history with Lazada, rather than solely on conventional credit scores. This approach opens up opportunities for more Filipinos to enjoy the benefits of online shopping, even without a credit card or substantial savings.

Loan parameters
  • Loan amount
    4.000 - 20.000 PHP
  • Interest rate
  • Term
    15 days - 24 months
  • Age

How to secure a loan via Lazada

  • Ensure your Lazada Wallet is active.
  • Select a loan provider by tapping on the desired Lazada Loans partner icon.
  • Fill out the application with one of our endorsed lenders.
  • Await confirmation from the selected lending partner.
  • Upon approval, the loan amount will be deposited into your Lazada Wallet.
  • Enjoy your shopping spree!

What are the available loan limits?

For newcomers, the initial borrowing capacity ranges from P4,000 up to P20,000 with all associated partners, while the overall borrowing range starts at P500 and extends up to P50,000.

Your borrowing limit increases with each timely and complete repayment, enabling higher loans with each subsequent application. Presently, no affiliated lenders provide amounts exceeding P50,000.

Are there exclusive deals for new borrowers?

Multiple partners present an introductory 0% interest loan for first-time borrowers (see the Lazada Loans section and apply the interest rate filter). Subsequent loans will incur regular interest rates ranging from 2% to 4%, excluding any processing fees.

Repayment is convenient, with multiple options available including online transfers, bank deposits, and even through local payment centers across the Philippines. Lazada Loans is not just a financial service; it’s a strategic move to empower Filipinos, providing them with the flexibility to manage their finances while enjoying the vast array of products available on Lazada.


How quickly can I expect loan approval?

The approval time for loan applications, after all requirements are submitted, ranges from instantly to up to 24 hours.

What are the standard requirements?

Requirements vary by partner but commonly include a government-issued ID. Some partners may ask for proof of billing or a recent pay slip.

How will the loan be disbursed?

Loans are disbursed directly into your Lazada Wallet, not as cash, and can only be used for purchases on Lazada.

Is a guarantor required for the loan?

No guarantor is needed for Lazada Loans, as these are designed for smaller amounts compared to housing or auto loans.

When will funds be credited to my Lazada Wallet?

Funds are credited within a few hours to 24 hours on weekdays after loan approval. Applications made over the weekend are processed by Monday afternoon.

Is the loan amount disbursed in full?

Yes, the loan amount is credited in full to your wallet for immediate use on Lazada, with repayments made in monthly installments.

Must I repay the loan if I don’t use the credits?

Yes, you must repay the loan according to your agreed schedule, regardless of credit usage.

How is the loan repaid?

Repayment is made directly to the lender through various channels like bank transfers or over-the-counter payments, not through Lazada.

What is the repayment schedule?

Repayment terms depend on your agreement with the lender, including the loan duration you’ve chosen.

What can be purchased with wallet credits?

Wallet credits can be used to buy anything on Lazada, with the remaining balance available for future purchases.

What if my wallet balance is insufficient?

You’ll need to top up your wallet using available cash-in options. Wallet balances cannot be combined with other payment methods.

Do wallet credits expire?

No, Lazada Loan wallet credits do not expire, allowing you to save for future purchases or to combine with further loans for bigger buys.

Will Lazada Seller payments be affected by customer loan repayments?

No, sellers are paid in full for every sale. The loan arrangement between the customer and lender does not impact seller payments.

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Your comment


Trevion O\\\\\\\\\\\\\\\'Reilly
You lend around the clock. The layout is transparent. I took out a regular loan with no collateral. Closes without problems.
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
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
Dizon Masangkay
When there is not enough money to pay, then you have to apply for a loan. The site is very helpful in making a choice. Here you can find up-to-date information and get acquainted with the creditors of the Philippines
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