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Fees and Commissions

Our website, Helptowallet.com, does not charge any commissions for using money. The service operates transparently. We do not take any interest or fees. Our service is free of charge to use.

Your lender sets the penalties for late payments in your agreement. Lenders in the Philippines set their own interest rates and penalties for failure to pay.

It is important to note that all financial relationships are between you and your financial institution, not Helptowallet.com. We are not a lender and never act as such. As a website, we only match borrowers and financial entities by offering a selection of companies that provide cash loans up to ₱25000 for a period of 120 days.

The financial institution will determine its own policies regarding loan provision and payment. The user agrees to the terms online directly on the lender’s website. You may choose to accept or decline the terms offered in the loan terms. Your agreement details the loan amount, repayment period, daily interest rate, fees, and penalties.

Helptowallet.com cannot access your loan agreements. If you have questions regarding your loan agreement or repayment, contact your financial institution directly through the means of communications detailed on their website.

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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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