Get the Vplus app from Google Play, sign up with your mobile number, and complete basic profile verification.
Select loan amount & term, upload required documents. No paperwork needed. Get instant credit decision.
Approved loans are disbursed within 15 minutes to your bank account or e-wallet.
Access up to ₱40,000 credit limit - much higher than traditional lenders offer.
Our AI system processes applications instantly. Get funds in minutes, not days.
Personal loans up to ₱40,000 require no property or asset security.
Tagalog & English support anytime. Call, chat or visit our branches nationwide.
All rates comply with BSP Circular No. 1098. Late fees apply for overdue payments.
Up to ₱40,000
* APR calculation based on maximum loan term. Fees are inclusive of VAT. Service fee is deducted from the principal amount at disbursement. Late fee capped at ₱500 per month as per BSP regulation.
Vplus uses bank-grade encryption to secure your personal information. All transactions comply with Philippines' Data Privacy Act of 2012 and BSP cybersecurity standards.
SSL Encryption
System Uptime
Data Breaches
See why thousands of Filipinos choose Vplus for their urgent financial needs
"I needed ₱15,000 for my child's school supplies. Vplus approved my loan in 5 minutes and sent the money directly to my GCash. Incredible service!"
Teacher from Manila
"My jeepney engine broke down last week. Thanks to Vplus, I got ₱25,000 same-day with clear rates. Back on the road in 24 hours!"
Jeepney Driver from Cebu
"Expanded my sari-sari store inventory with Vplus business loan. Only 1.2% monthly interest - much better than traditional banks!"
Sari-sari Store Owner from Davao
"The app guided me through the entire process in Tagalog. Perfect for OFWs like me who need quick medical funds for family back home."
OFW Nurse from Cagayan
"First time loan with Vplus for my tuition fee. They accept school ID and no collateral. Perfect for students needing emergency help."
College Student from Iloilo
"Late payment fees were clearly explained upfront. When I had difficulty, they gave a 3-day grace period. Very Filipino-style understanding!"
Freelancer from Angeles
Get clear answers about our loan process and requirements. All operations comply with BSP Lending Regulations.
Can't find your question? Call our support at +63 2 8888-8888 or email [email protected]
Join over 500,000 Filipinos who trust Vplus for their urgent financial needs.