Vamo PH Loan Review: Requirements, Application - Is Legit?

Vamo PH Loan Review: Requirements, Application - Is Legit?

What is Vamo PH?

Vamo PH is an all-digital lending platform that offers an innovative solution for Filipinos to access loans quickly and easily without the need for collateral or a guarantor.

The company is part of the VIA SMS Group, which is one of the leading financial solutions providers in Europe and Asia. The Group brings technology and experience to Vamo PH to ensure high-quality and innovative financial services to the unbanked and the underserved.

With Vamo’s simple and convenient online application process, people who are in need of emergency cash can have access to a credit line that is not normally available to them.

Vamo loan, how does it work?

To apply for a loan on Vamo, you first need to register on the website at . Once you have registered, indicate the loan amount you need and fill out the online application form. The submitted form will be reviewed by Vamo's team of underwriters, who may contact your references.

If your application is approved, you will be notified about it as well as the details on how to collect the money. The money will be deposited to your nominated bank account or e-wallet (e.g., GCash, GrabPay, Maya).

You will receive the loan amount on the same day if your loan is approved before 12:30 PM. If you receive the loan approval after the cut-off time, you’ll receive the funds the next day, except when it falls on non-working days and Philippine national holidays.

Interest rate

Vamo offers a personal loan with an interest rate of 1.3% per day for the remaining loan principal. Keep in mind that Vamo charges PHP100 per invoice to cover the partners' fees and maintenance of the account and credit line.

How much is Vamo loan?

In an effort to ensure that its clients are able to access the funds they need, Vamo has loan limits in place. The minimum loan amount is set at PHP1,000 while the maximum is set at PHP30,000. This allows borrowers are able to get the money they need without putting themselves in a difficult financial situation.

Is Vamo legit? Is SEC Registered?

Yes. Vamo is a legit company owned and operated by VIA SMS Group, a reputable and well-trusted lending company in Europe and Asia. In the Philippines, the company is registered with the Securities and Exchange Commission (SEC) since March 9, 2020, under the name Vamo Lending Inc. Vamo has a Certificate of Authority to operate as a lending and financing company.

Being registered with the SEC is important because it provides regulatory oversight and protection for investors and consumers. It also ensures that companies comply with disclosure requirements and laws.

Vamo loan benefits

Vamo is a quick and easy online loan application with minimal requirements. The entire process is digital and can be done through the website.

One of the main benefits of using Vamo is that it is fully digital. There is no need to fax or mail in any documents. All you need to do is fill out the online application and provide some basic information about yourself and your finances, as well as provide an ID.

Another benefit of using Vamo is that it has a very quick and trouble-free application process. In most cases, you can complete the entire application in just a few minutes. And once you have been approved, you can expect to receive your loan funds in as little as 24 hours.

How to apply for the Vamo loan?

To apply for the Vamo loan, go to . After registration, fill out the online application form. You will need to provide some basic information about yourself, including your full name, date of birth, employment details, and contact information. You will also need to provide some identification, such as a driver's license, passport, or any valid government-issued ID.

Once your form has been submitted, a member of the Vamo team will review your application and get back to you with a decision within 24 hours. Once approved, sign the contract and wait for the disbursement of funds.


  • Vamo Lending Inc. is available to residents of the Philippines who are 18 years of age or older.

  • Must have a valid government-issued ID (e.g., SSS, GSIS, passport, TIN)

  • Must provide contact references who are available to talk to Vamo representatives

How to pay the Vamo loan?

You can pay online or over the counter through Vamo’s authorized payment partners:

  • Asia United Bank

  • BDO

  • BPI

  • China Bank

  • Eastwest

  • Landbank

  • Metrobank

  • PNB

  • RCBC

  • Robinsons Bank

  • Security Bank

  • UCPB

  • Unionbank

  • Asia United Bank

  • GCash

  • GrabPay

  • PayMaya

What happens if you can't pay?

If you're taking out a personal loan, it's important to know that you may be charged additional interest and fees if you don't pay back the loan on time. This is typically a percentage of your outstanding balance, and it can add up quickly.

If you continue to miss payments, your loan will eventually go into collections. At this point, your credit score will take a hit, and you may have difficulty qualifying for loans in the future. If you're struggling to make ends meet, it's important to reach out to your lender as soon as possible to discuss your options.

Vamo app

The Vamo app is browser-based and available to anyone with an internet connection. It’s integrated into the website. There’s nothing to download as the app is not available in the Google Play Store and Apple App Store.

Log in steps

Vamo's personal loan application is quick and easy and can be completed in just a few minutes.

  1. Go to .

  2. Register an account.

  3. Log in using your e-mail and password.

  4. Enter the loan amount. Loan details will be displayed, including interest, processing fee, first payment due date, minimum payment, and full payment.

  5. Click the “Apply Now” button.

  6. Fill out the online form.

  7. Upload your ID.

  8. Submit the application.

  9. Wait for approval.

If you're looking for a personal loan in the Philippines, Vamo is a great option to consider. The app is easy to use and offers competitive interest rates and flexible repayment terms.

Vamo, phone and customer service

Vamo PH can be reached using any of the following channels:

  • Landline: +632 8362-2116

  • Mobile: Globe Telecom: +63 917-706-9834

  • E-mail address:

Vamo loan reviews

Vamo PH is relatively new in the online lending app game, but it’s making a good impression on the first adopters of the platform. Some Vamo reviews praise the minimal requirements and the simple application process. Plus, you can get your loan funds in a matter of minutes.

The downside is that the interest rate and processing fee are on the high side, which may be difficult for borrowers to pay. Another issue is the payment terms. The first loan has a fixed term of only 10 days, which may be too short. However, Vamo PH is still a good option if you want quick cash for unexpected expenses.

Have you used the Vamo loan? Share your experience here.

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This article was updated on 14 september 2022