HelpToWallet

Useful Information

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

All you need to do is determine the amount you want to request and fill out a short online form. We will find a lender for you, who will send you an online loan agreement if you are eligible. Sometimes, lenders require a background check to verify your employment information or salary. If you agree to their offer, they will transfer money directly to your credit card or bank account.

Is Helptowallet.com free?

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?

Helptowallet.com can help you find loans ranging from ₱ 500 to ₱ 25 000. You should be able to find something that works for your needs.

What kind of requirements is there to apply for a loan online?

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 make payments on my loan ahead of schedule?

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

What can I do if I canot repay my loan?

It is important to be certain that you are able to pay within the given timeframe before applying. If your situation changes, and you are concerned that you cannot repay your loan, it is best to contact your lender right away to find out which options are available. If you are experiencing financial issues and have a mounting debt, we strongly recommend you not taking any more loans from any lending institution, and that you immediately seek independent financial advice.

How do I pay my loan back?

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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Material Disclosure

We represent Fininity OÜ, which acts a credit broker. We are not a lender. Helptowallet.com does not directly offer any type of loans or consumer loan products.

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

Most lenders will contant you through regular mail, email, or phone to change your payment terms. Failure to pay may result in interest accruals and/or increases and may affect your credit score. Continued failing to pay may result in the lender transferring your debt to a collection agency, which will lead to additional fees.

Consequences of Nonpayment

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

If you are unable to repay within the loan period, you need to contact your lender right away. Lenders may charge a fee for late payments, which averages about 0.03% of the amount owed for personal loans and credit cards. Please remember that you will likely incur additional fees if you pay late or not at all, which could add up. For more information about late payment fees, please contact your lender directly and be sure you have read the terms in your loan agreement.

Extensions

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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