Apply for ₱5,000 to ₱60,000 in 3 minutes. Collateral-free with competitive rates from 18-28% APR. Loan terms from 90-180 days. Funds disbursed within 24 hours of approval
Our Service
Your Financial Growth Partner
AI-Powered Personal Loans
Emergency Personal Loans
Quick access to emergency funds from ₱2,000 to ₱20,000 for unexpected expenses. Fast approval with flexible repayment terms from 90-120 days at 24-30% APR
Smart Credit Assessment
Our AI analyzes social reputation, and transactional history to provide fair credit access – even for unbanked communities
Education & Training Loans
Invest in your future with personal education loans from ₱5,000 to ₱40,000. Support your skills development, certifications, and training programs with flexible 120-180 day terms at 18-26% APR
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 helped me get the personal loan I needed in just minutes. The process was so simple and fast - I got approved for ₱25,000 to cover my medical expenses. Their customer service is excellent and truly understands individual needs.
Eduardo Santos
TeacherI needed a personal loan for my daughter's school fees and Vastness made it so easy. The mobile app is user-friendly and I got my ₱15,000 loan approved in under 10 minutes. The repayment terms are flexible and fit my budget perfectly.
Maria Santos
NurseFrom application to fund disbursement, the entire process takes less than 4 hours. Vastness's digital lending platform helped me get a ₱35,000 personal loan for my motorcycle down payment. Their customer support team is highly professional and always available to help.
Juan Dela Cruz
Construction WorkerVastness's financial education resources helped me better understand personal finance and loan management. When I needed ₱20,000 for home repairs, their transparent process and fair terms made it easy to make an informed decision. Highly recommended for personal loans.
Antonio Reyes
Office WorkerFrequently Asked Questions
Clear Answers, Faster Decisions – Your Loan Journey Simplified
What are the basic requirements for a personal loan?
Philippine residents aged 18-60 with a valid ID, stable income (minimum
₱8,000/month), and no active bankruptcy. No collateral needed for personal loans
from ₱2,000 to ₱60,000.
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 range from 18-30% APR depending on your credit profile and loan term.
Example: A ₱30,000 loan over 120 days costs approximately ₱1,800 in total interest
Are there hidden fees?
Zero hidden fees. All charges are listed in your initial loan agreement
Can I repay my loan early?
Yes! No prepayment penalties for any loan term from 90-180 days
