FIS Credit
Loan amount
₱5,000 – ₱200,000
Loan term
91 days – 180 days
Interest rate
Fluctuating by 11.65%
Service fee
2% of the loan
Loan requirements
As a Philippine citizen
Payment support
Receive loan through bank account
Information
Registered Operating Area
Philippines
Age Requirement
Quick registration for users aged 18 and above
Income Requirement
Must have a monthly personal income to repay the loan
Phone Number Requirement
A valid phone number is required for loan verification
Repayment Method
Online repayment via e-wallets and banks
Document Requirement
A valid personal ID card is required
First Loan Amount
₱5,000 – ₱200,000
First Loan Interest Rate
Initial loan interest rate below 10%
New Customer Benefits
Preferential loan packages with the lowest interest rates
Loan Interest Rate
Around 11.65%
Loan Term
Flexible loan term from 91 days to 180 days
Approval Time
Loan approval completed within 25 minutes
Loan Service Fee
Approximately 2% of the loan amount
Late Payment Fee
First late payment penalty: ₱340
Welcome to FIS Credit a personal unsecured loan solution designed to flexibly and safely support your everyday spending needs. With a simple application process and transparent approval, FIS Credit helps you access financial support more easily than ever before.
Advantages
- Fast registration, 100% online: No collateral required, simple procedures, save you time
- Transparent approval: Loan details, interest rates, and fees are clearly disclosed before confirmation
- Flexible loan limits: Suitable for various short-term spending needs
- Quick disbursement: Funds are transferred once the application is approved
- Information security: Personal data is protected according to safety standards
- Customer support: Email contact is available for consultation or assistance when needed

Disadvantages
- Relatively short loan term: Suitable for short-term borrowing, not yet optimized for long-term needs
- Service fees apply: Fees are deducted upon disbursement; borrowers should consider the actual amount received
- Interest rates depend on profile conditions: Not all users are eligible for the same interest rate
- Valid document requirement: Applicable only to eligible citizens in accordance with regulations
With a focus on transparency, safety, and a customer-centric approach, FIS Credit not only provides fast loan solutions but also accompanies you in managing your finances effectively. Whether for short-term expenses or emergency situations, FIS Credit is always ready to support you responsibly. Start a smart loan today to take greater control of your financial future.
See more:
Loan Calculator
Based on the loan amount
Enter all the required parameters into the calculator to get an accurate monthly payment along with a visual representation of the interest percentage
I want to borrow
Term / Days
%/day
Loan Amount
10 000 000
$
Interest
70 000
$
Total Repayment
10 070 000
$
Annual Interest Rate
18
%
Number of Loans
Author:
Sabiha Sathi
Sabiha Sathi is an experienced financial expert in the fields of credit and lending, currently serving as the Content Manager for the website. With a user-centric approach, she focuses on sharing carefully curated information about trustworthy online loan applications and is committed to delivering clear, fast, and effective borrowing solutions tailored to specific financial needs.
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