HelpToWallet

Fees and Commissions

Our website, Helptowallet.com, does not charge any interest rates for using funds. The service operates transparently. We do not charge any commissions. Our services are completely free for you 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 lenders that provide cash loans up to ₱25000 for a period of four months.

The lender will determine its own policies regarding loan provision and payment. The user agrees to the terms remotely directly on the lender’s website. You may choose to accept or decline the terms offered in the loan agreement. Your agreement details the loan amount, currency, period of use for the funds, and your obligations.

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

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Responsible Lending

Helptowallet.com is not a lender, nor does it take any decisions regarding loans. Helptowallet.com finds lenders for customers based on their application information. It earns a commission, paid by the lender, for providing advertising services. We cannot guarantee that a lender will accept your application or that they will offer you loan terms that will suit your needs. Not all lenders can provide loans of up to ₱ 25 000. The time it takes to process and transfer a loan depends on the lender. This website does not directly endorse any particular product or service. Any information on this website is approximate in nature. Some lenders may perform a credit check with a credit reporting agency as a loan condition.

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 Process

Helptowallet.com does not collect payments. Your lender will contact you by regular mail, email, or phone to outline a repayment schedule. Please contact your lender to determine their collection process, as the terms may vary.

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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