Apply for ₱20,000 to ₱2,000,000 in 3 minutes. Collateral-free with competitive rates from 3.85% APR. Funds disbursed within 24 hours of approval
Our Service
Your Financial Growth Partner
AI-Powered Personal Loans
Business Financing
Flexible loans from ₱500,000 to ₱20,000,000 for SMEs, startups, and agricultural ventures. Terms up to 10 years, with dedicated loan officers for industry-specific guidance
Smart Credit Assessment
Our AI analyzes utility payments, social reputation, and transactional history to provide fair credit access – even for unbanked communities
Funds Management
Earn up to 5.5% annual yield via fixed deposits. Customized portfolios combining low-risk bonds and growth-focused dividend stocks
Loan Advisory & Optimization
Free 1-on-1 consultations with financial experts. Design personalized repayment plans, consolidate liabilities, and reduce interest burdens
Vplus Experience
Scan IDs, track repayments in real-time, and receive AI-driven financial insights. Exclusive app benefits: ₱500 welcome bonus + priority customer support
Our Core Capabilities
Driving financial inclusion through AI-powered solutions
Explore Our TechnologyAI Risk Assessment
Mobile Service Coverage
Real-time Fraud Detection
Loan Approval Speed
Underbanked Inclusion
GDPR Compliance
Client Reviews
Hear what our clients say about Vastness's fintech solutions
Vastness's AI loan evaluation system has completely transformed our business processes. What used to take 3 days for approval now takes just a few hours, increasing customer satisfaction by 40%. Their fintech solutions truly understand the needs of small and medium enterprises.
Eduardo Santos
Tech Startup CEOAs a regional bank, we needed a reliable fintech partner. Vastness's API integration is simple and intuitive, and their risk control models have accuracy far exceeding industry averages, helping us reduce non-performing loans by 25%.
Maria Santos
Regional Bank VPFrom application to fund disbursement, the entire process takes less than 4 hours. Vastness's digital lending platform allows small retailers like us to quickly respond to inventory demand fluctuations, and their customer support team is highly professional.
Juan Dela Cruz
Chain Retail OwnerVastness's financial education resources have helped our staff better understand digital finance trends, and their compliance solutions make it easy for us to navigate the ever-changing regulatory environment. This is truly a win-win partnership.
Antonio Reyes
Insurance Brokerage DirectorFrequently Asked Questions
Clear Answers, Faster Decisions – Your Loan Journey Simplified
What are the basic requirements for a personal loan?
Philippine residents aged 21-65 with a valid ID, stable income (minimum
₱15,000/month), and no active bankruptcy. No collateral needed for loans under
₱500,000.
How long does loan approval take?
90% of applications receive AI-powered credit decisions within 10 minutes. Funds are
disbursed within 24 hours if approved before 3 PM PHT
What is your lowest interest rate?
Rates start from 3.85% APR for qualified borrowers with credit scores above 700.
Example: A ₱100,000 loan over 12 months costs ₱8,703/month (total interest: ₱4,436)
Are there hidden fees?
Zero hidden fees. All charges (processing fee: 1.5% of loan amount, documentary
stamp tax: ₱1.50/₱200) are listed in your initial loan agreement
Can I repay my loan early?
Yes! Early repayment reduces total interest by 30-60%. No prepayment penalties for
loans over 6 months
