HelpToWallet

FAQs

How do I apply for an interest-free loan through Helptowallet.com?

You can apply online with our simple form, and we will find a lender that will suit for you.

Is it true that Helptowallet.com is totally free? Do you charge anything to use your website?

Our service is completely free. We earn a small commission from lenders in the event they credit a loan to your account.

How much can I borrow?

Anywhere from ₱ 500 to ₱ 25 000.

What are your borrower requirements?

If you want to apply, you must: 1. Be a legal citizen of the Philippines. 2. Be over 18 and under 80 years old. 3. Have a valid debit card or bank account. 4. Have a valid SSS or TIN or UMID card. 5. Have any form of income (official or unofficial). 6. Have a personal email address and mobile phone number.

Will they give me a loan if my credit history is not perfect?

Most loan products available through Helptowallet.com are designed to help people, even those with credit history problems. The lenders we work with generally look for your ability to repay in the future and not just your history.

Can I pay off my loan early?

Yes, you can repay your loan at any point before it expires.

What can I do if I canot repay my loan?

If you are unable to repay your loan, this means you cannot perform your loan obligations. Late payments or delinquencies may negatively affect your ability to borrow any money. Please reach out to your lender immediately if you think you cannot pay on time.

How should I repay what I owe?

Although repayment periods and terms vary, the type of product you apply for will matter when it comes to repaying your loan. Your loan agreement will give you detailed information regarding when payments start, how often and when they occur, and how long the repayment period lasts.

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Responsible Lending

Helptowallet.com matches loan offers to customers, acting as an intermediary between them and licensed financial institutions. Helptowallet.com is not a financial institution, bank, or lender. It is not responsible in any way for loan agreements or terms. All calculations are approximate. Please check the lending institution’s website for the relevant terms and conditions.

Maximum/Minimum Repayment Periods and Maximum Interest Rate

The loans offered on this website through Fininity OÜ have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). Our repayment periods are typically 120 days. Rates vary from 0% to 36%. Interest rates vary from lender to lender. Your situation and credit score will affect the rates offered to you.

Collection Policy

Please contact the lender directly if you are having trouble repaying. They will be able to discuss payment options with you. The lender reserves the right to give your information to a third-party collection agency, should the situation remain unresolved.

Consequences of Default

Helptowallet.com 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

Please contact your lender directly if you think that you cannot repay your loan on time. Lenders may be able to extend or renew your loan under the initial terms and conditions. Terms and late payment options vary by lender. Please note that late payments may result in additional fees or interest and may also negatively affect your credit score.

Loan Extension Policy

If you would like to extend your loan, you should contact your lender before missing a payment. Most lenders charge the same interest rate and commissions for another month on the total amount due. The loan may be renewed or extended automatically in the event of late or nonpayment. Additional interest and/or fees may be charged to your account. Please, think carefully before extending your loan, as doing so may substantially increase the amount you pay.
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