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Digido: credit terms and conditions

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Apply now for a Digido loan online in the Philippines! Get up to 10,000 pesos in 10 minutes!

Digido is a legitimate online lender with a state license. What makes Digido stand out is its fully automated online platform and its innovative and customer-friendly financial solutions. The automated lending system independently decides on every application and transfers funds within hours. The company offers a wide range of loans ranging from 0% loans to unsecured loans of up to 25,000 Philippine pesos. The company adheres to lending rules and regulations without compromise, does not inflate interest rates and does not use unethical practices.

The staff of the financial institution understands that not everyone can apply online, so the bank specialists are ready to help with the loan application through the office or website, providing convenience and professional service.

Digido is the brand under which the international financial corporation ROBOCASH FINANCE CORP. provides credit services in the Philippines, Indonesia, Vietnam, Sri Lanka, India, Spain and Kazakhstan. It is a convenient solution for those who are looking for a small amount of money for short-term needs.

Digido loan terms

Borower Age	21 — 70 years
1st loan amount	1,000 — 10,000 PHP
1st loan interest rate	0%
Loan term	90 — 180 days
Repeat loan amount	1,000 — 25,000 PHP
Repeat loan interest rate	0.4%
Money receipt speed	from 1 to 2 days, depends on your Ph bank
Prolongation	possible for the same loan term
Types of loans	Fast cash loan, Loan online, Personal loan

Digido requirements

You can get a loan online from Digido if you meet the following conditions:

• Filipino national with a valid government-issued identification card;
• Borrower’s age: 21 to 70 years old;
• Has an active cell phone number;
• Must have own bank account;
• Has registered on the company’s website;
• Have a payslip, Certificate of Occupation (COE), Income Tax Return (ITR), Company ID, Department of Trade and Industry (DTI) if you are self-employed or running a business.

Benefits

Applying for an online card loan from Digido has its advantages:

• Instant service without the human factor;
• Credit history does not matter – more than 95% of approved loan applications;
• You only need to fill in one application, after which it will be analyzed and approved by a robot without the help of an operator (manager);
• Repayment of the loan is as easy and convenient as taking it. You do not need to leave your home or office – you can pay online;
• Good conditions for customers who take the first or second loan. If you pay it back on time, you get a discount on a new loan;
• No extra or hidden fees;
• You don’t need collateral or guarantors to get a loan;
• No tedious paperwork;
• The entire procedure for applying for and receiving a loan takes no more than 15 minutes;
• There is a handy mobile app for Android users.

How to loan in Digido?

To get a microcredit from Digido, you will need to follow a few simple steps:

1. Visit Digido’s official website.
2. Click on the “Apply” or “Borrow Now” button to begin the process.
3. Create a personal account by filling out the necessary information such as name, contact information, and passport details.
4. Specify the loan amount and term for which you want to borrow.
5. Provide the necessary documents to prove your identity and income. This may include passport photos, your face with your passport, and proof of your income.
6. Read the loan terms and conditions and accept them.
7. Submit your application for review.
8. Once your application has been reviewed, you will be notified of your loan status.
9. If your application is approved, the money will be transferred to the bank account or e-wallet you have specified within a few hours or days.
10. Follow the repayment terms specified in the contract. Timely repayment will help you avoid penalties and maintain a positive credit history.

Digido offers a convenient and fast process for obtaining a microcredit through its online portal.

Digido payment

You can repay a loan from the microfinance organization Digido in the following ways:

• With a bank card;
• Through online banking according to the details of Ro Bank;
• By bank transfer (money will be received within 5 working days).

Paying for a loan with a card

To repay a Digido loan with a bank card, you need to follow these steps:

1. On Digido’s official website, log in to your personal account.
2. In the “Repayment of the loan” section, select the “Pay with bank card” option.
3. Enter your bank card details, including card number, expiration date and CVV code (three-digit code on the back of the card).
4. Enter the amount you want to redeem and confirm the transaction.
5. Check the entered data and press the “Pay” or “Confirm” button. 6.
6. Wait for the confirmation of the successful payment. This usually takes a few moments.

Once your payment is successful, the amount will be debited from your bank card and will be credited to your Digido loan repayment. Make sure you have enough on your card to repay the credit to avoid delays or insufficient coverage of the payment.

Payment of the loan in online banking by bank account details

Follow these steps to repay your Digido loan through a bank account:

1. Obtain information about the Digido bank account to which you wish to make the repayment. This information is usually available in your personal account on the company’s website or in your loan confirmation email.
2. Make a transfer from your bank account to the designated Digido bank account. You will need to use the online banking system of your bank or visit a bank branch in person.
3. When making the transfer, specify the exact amount you want to repay the loan. Make sure that you have enough money in your bank account to pay off the amount you want.
4. In the “Purpose of Payment” field, enter your loan identification number or other information that will identify your payment.
5. Check your entered information and confirm the payment.
6. Wait for confirmation of successful payment.

Upon successful repayment, the amount will be credited to your Digido loan repayment.

Payment of the loan by bank transfer

To repay your Digido loan with a wire transfer, follow these steps: 

1. In your personal account on the Digido website or in your loan confirmation email, find the details to repay the loan.
2. At the bank branch to make the bank transfer, identify the payee, in this case Digido, and enter bank details such as the name of the bank, account number and bank code.
3. Specify the amount you wish to repay on the Digido loan.
4. Enter your credit number or other information specified by Digido to help identify your payment.
5. Wait for confirmation of a successful payment. This usually takes a few banking days.

Ensure that you have sufficient funds in your bank account to cover the amount you selected. It is also advisable to verify your Digido bank information before making a transfer in order to avoid errors or delays in the repayment process.

Consequences of Late Payment or Failure to Pay a Loan

Digido’s late loan penalties may vary depending on company policies and the terms of the loan agreement. For exact information on late fees, you should refer to the terms of your loan agreement or contact a Digido representative.

Generally, if you do not pay your loan on time, the company may charge interest or penalties for each day you are late. The amount of the penalty for late payment can be specified in the contract and depends on the amount and term of the overdue payment.

It is advisable to repay your loan obligations on time to avoid negative consequences in the form of additional penalties, deterioration of your credit history, or limitations on future loans.

Loan Prolongation

Digido works in accordance with the law, which means that in the event of loan arrears, collection of money from the client will only be carried out by legal methods. The company will contact the customer at the phone number he or she has provided on the form. If the client fails to pay the debt, the company has the right to recover it through the court based on the loan agreement. If you cannot repay the debt on the date specified in the contract, use the loan extension service.

To extend a loan from Digido, you need to go to your personal account on the company’s website and follow the instructions for extending your loan. You can choose the extension period that is most convenient for you, within the available options listed in your personal account. Typically, the loan extension period varies from a few days to a few months, depending on the terms and type of loan.

Contacts

Official website	digido.ph
Office address	UNIT 2/C, Murphy Center, 187 Bonny Serrano Road, Socorro, Philippines, Quezon City, Cubao, 1109
Working time	Every day: from 8.00 to 17.00
Contact number	02 8876 84 84
Email	support@digido.ph
Social networks	Facebook