Valley Loan App Review: Is Legit?

Valley Loan App Review: Is Legit?

What is Flash Cash 101 Lending?

Whether it is your first time borrowing or you are a proud bank customer, lending companies like Flash Cash 101 Lending understand your dilemma. The company is an online lending service in the Philippines and they provide flexible, transparent, and hassle-free loans for Filipinos.

Flash Cash 101 Lending is a credit service in the Philippines that offers short-term financing to people who need cash between paydays. This can be a good solution for people who need a quick cash infusion and don’t have the time to wait for a bank loan.

For those who are in dire need of help, Flash Cash 101 Lending allows them to borrow money for medical bills, funeral costs, and other emergencies. The loan repayment term is for a period of 60 days, and the loan amount is determined by the borrower’s credit history and income.

Valley Loan App, how does it work?

Valley Loan App offers its users financial relief through small loans. The loans are given to those in need who are unable to get a loan from the traditional lending institutions. The loan application process is a two-step process. It starts with the borrower filling out an online form after downloading the app, and then providing at least 1 Philippine government ID.

Furthermore, Valley Loan App enables its users to borrow up to PHP 20,000 from any lender from anywhere in the Philippines. The average loan amount for a user is PHP2,000. The Valley Loan App is very easy to use and quick, and is both available on Android and iOS.

Valley Loan App allows you to borrow money for 150 days, so that you can run your lifestyle or business at the same time. This is a great way to get loans no matter your financial situation.

Interest rate

The interest rate available with Valley Loan App is 21.9% annually. This is considered higher than the average which means that if you borrow PHP 20,000, the interest rate would be PHP 1,200 – assuming that you are able to pay it within 4 months.

However, there are news that Valley Loan gets 50% of the loan amount for first-time borrowers. Which means that if you borrowed PHP 2,500, the amount that will appear on your account is PHP 1,125. This is not recommended.

Is Valley Loan legit?

Yes, Valley Loan shows up in the list of loan companies in the SEC website, although we need to highlight that this company has received a lot of complaints saying they're loan sharks.

How much is the Valley Loan App loan?

With Valley Loan App, you can get a loan amount that’s between PHP 2,000 up to PHP 20,000. But as mentioned earlier, first-time borrowers get 50% interest rate which means only half of the borrowed money will be disbursed.

Is Valley Loan app SEC registered?

Yes, Valley Loan App is registered with Securities and Exchange Commission under registration number CS201915317 and CA Number 3083.

Valley Loan app benefits

Valley Loan App was designed to offer a convenient and faster way to get a loan. It has been widely used in the Philippines and has helped thousands of people in various industries get a loan. The app has a simple and easy user experience that makes it simple to get the loan. The app also has a private chat feature where you can connect with a loan officer to get the loan process started.

What makes this app different from other loan options is that there is no need for collateral. The app allows Filipinos to borrow anywhere from PHP 2,000 to PHP 20,000. The interest rates are unfortunately higher with other loan options, and the loan duration is up to 4 months only.

Valley Loan, how to apply?

To apply for a loan, simply follow the application steps:

  • Download the app on your phone and create your profile to register.

  • Your profile should include your personal information, contact information, income, email address, and more.

  • Provide 1 Valid ID preferable issued by Philippine government.

  • Wait for the approval of the loan


The requirements available with Valley Loan App is 1 Valid ID, account with the company, and personal information.

Valley Loan, how to pay?

Anyone can pay their Valley Loan with 7/11, M. Lhuillier, RD pawnshop, and Gcash. The payment process is available on the Valley Loan app.

What happens if you can't pay?

There will be certain punishment e.g., late payment fees and other charges in regards to being unable to pay your Valley Loan. If this happens, contact the company immediately to avoid being called out.

Valley Loan App

The Valley Loan App is a service that is available in the Philippines and will allow individuals to apply online. The app is easy to use and designed to be user-friendly. As a loan service, Valley Loan App offers all business owners and individuals a straightforward way to get a loan and grow their business or lifestyle.

App download

Valley Loan App is available on Google Play Store or App Store.

Valley Loan Philippines, customer service

In case you have any concerns or questions in regards to your loan, just reach to any of the following contact information:

Phone Number

  • 0928-741-2152


Valley Loan App, complaints

Valley Loan App is known for their harassing phone calls to Filipinos about not being able to pay their loans. The app has a reputation for harassing Filipinos through phone calls, texts and emails. This situation makes Valle Loan App gets many complaints and non-recommendation.

Valley Loan App, reviews

Valley Loan is a company that provides loans to consumers for personal needs. However, their reviews are not so great. If a consumer does not pay their loan, Valley Loan App will charge high or more than average late payment fees. They also use harassing tactics such as calling, texting and emailing consumers.

Have you used the Valley Loan app? Share your experience here.

Luz Diel

please be polite to ur client

Send your review
This article was updated on 15 february 2023