DIGIDO Loan Review Philippines: Online App Legit? Payment GCash?

Welcome to this Digido loan review, where we will help you decide if getting a loan in the Philippines from this app is a good option for you. The Digido loan app claims to offer a fast and easy way to obtain a loan, but is it really a legitimate and fair service?

In this article, CDNDongKhoi.edu.vn will give you all the important information about this loan app, such as how to apply, how much you can borrow, how to repay, and more.

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Summary of Digido Loan Review in Philippines

✅ Digido Loan Review	⭐ Reliable
✅ Loan amount	⭐ ₱1,000 – ₱25,000
✅ Term	⭐ 7 – 180 days
✅ Interest rate	⭐ 0% for first time
✅ Age	⭐ 21 – 70 years old
✅ Legit?	⭐ Yes
✅ Requirements	⭐ Accepted ID Philippines
✅ Advantage	⭐ SEC registered
✅ Extend the loan?	⭐ By “pay part”
✅ Guide to apply	⭐ Digido login online app
✅ Procedure	⭐ Sign in
✅ Harassment?	⭐ Legal
✅ Promo code	⭐ Available
✅ Level of efficiency rating	⭐ Good
✅ APK	⭐ Loan app download here
✅ Payment	⭐ Using GCash, 7-Eleven, and more
✅ Email address	⭐ support@digido.ph
✅ Contact number	⭐ (02) 8876-84-84

What is Digido?

Digido is an online lending platform that offers instant loans of up to 25,000 pesos in the Philippines. This app is licensed by the SEC and uses Fintech technology to process loan applications quickly and securely. You can apply for a loan online with just a valid ID and get the money in your bank account within hours. Digido also has flexible repayment terms, ranging from 3 to 6 months, depending on your loan amount.

Is Digido loan app legit or not?

The answer is yes. Digido loan app is a legit and licensed company that follows the rules and regulations of the Securities and Exchange Commission of the Philippines. It has the Registration No. CS202003056 and the Certificate of Authority No. 1272, under the name Digido Finance Corp., which you can confirm on the official SEC website.

Advantages of Digido app

Digido online loan app offers many advantages for users in the Philippines, such as:

• No hidden charges, upfront fees, or commissions: You only pay what you see on your loan agreement, with no surprises or extra costs.
• Open 24/7 without any holidays or weekends: You can apply for a loan anytime, anywhere, and get an instant decision within minutes.
• Easy loan application process and instantaneous decisions: You just need to fill out a simple online form, upload your ID, and wait for approval. No paperwork, no hassle, no waiting.
• Multiple modes of loan application: Web, Mobile App, and through branches. You can choose the most convenient way for you to apply for a loan, whether online or offline.
• A loan approval rate of more than 90%: Digido Philippines has a high acceptance rate because they use advanced algorithms and artificial intelligence to assess your creditworthiness and ability to repay.
• Loans for any purpose: You can use your loan for anything you want, whether it’s for medical emergencies, education, home improvement, travel, or business expansion.
• Online loan calculator to choose the right loan amount and duration: You can adjust the loan amount and term according to your needs and budget, and see the interest rate and monthly payments before you apply.
• Loans without any collateral and guarantors: You don’t need to provide any assets or co-signers to secure your loan.
• Better loans for repeat buyers: They reward loyal customers with lower interest rates, higher loan amounts, and longer repayment terms. The more you borrow and repay on time, the better your loan conditions become.
• Loans even without bank accounts: You don’t need to have a bank account to get a loan from Digido Finance. They can send your money through various channels, such as remittance centers, 7-Eleven, offline branches, or Dragonpay.

Disadvantages of Digido online loan

Digido loan review shows the potential disadvantages that come with it:

• Quite short repayment terms: the app only offers loan terms of up to 180 days, which may not be enough for some borrowers to repay their loans.
• Limited loan amount: the maximum loan amount is 25,000 pesos, which may not be sufficient for some borrowers who need larger amounts of money.
• The interest rate is quite higher than traditional banks.

Digido loan requirements

To be eligible for a Digido loan, you need to meet the following criteria:

• Be a Filipino citizen residing in the Philippines.
• Be between 21 and 70 years old.
• Have a valid mobile number.
• Have at least one valid ID that shows your name and photo.

Digido app accepts the following IDs:

• Passport
• Driver’s license
• UMID
• SSS ID
• National ID
• TIN ID

Digido first loan

If you are applying for your first loan from Digido, you will have to submit a photo of your ID and a selfie with your ID. This is to verify your identity and prevent fraud.

To increase your chances of getting approved for a higher loan amount, you can also submit additional documents such as payslips, COE, ITR, company ID, or DTI.

Digido reloan

If you have successfully repaid your first, you can apply for a second loan without submitting any additional documents. You just need to log in to your Digido loan account and choose the amount and term of your second loan.

Digido 3rd loan

If you have also repaid your second loan on time, you can apply for a Digido third loan with the same process as the second loan. You can enjoy lower interest rates and longer repayment terms for your third loan.

Digido maximum loan and payment terms

First loan amount

You can get your first loan of up to 10,000 pesos with a 0% interest rate. This is a great opportunity to try out the service and see if a Digido loan suits your needs.

Digido 2nd loan amount

If you repay your first loan on time, you can apply for a Digido second loan with a higher amount, up to 25,000 pesos.

Payment terms

Digido loan has flexible payment terms that suit your needs and budget. You can choose to repay your loan in 3, 4, 5, or 6 months, depending on the loan amount and your income. It also offers a first loan for seven days with a 0% interest rate, which means you only pay back what you borrowed.

Digido loan interest rate

Digido cash loan has a special offer for first-time borrowers who can enjoy a loan with no interest charges for the first seven days. This is a good opportunity to experience the loan service and see how it can benefit you.

If you’re a regular customer, the interest rate varies depending on how much and how long you borrow, but it never goes above 1.5% per day.

Example of Digido loan interest rate calculator

Suppose you want to borrow 12,000 pesos from the Digido loan app for a term of 4 months. The interest rate is 0.3% per day, and you have to pay monthly. How much will you pay in total and per month? We will calculate it using some simple math:

• Daily interest = 12,000 x 0.3% = 36 pesos
• Monthly interest = 36 x 30 = 1,080 pesos
• Total interest = 1,080 x 4 = 4,320 pesos
• Total repayment = 12,000 + 4,320 = 16,320 pesos
• Monthly payment = 16,320 / 4 = 4,080 pesos

This means that you will pay 4,080 pesos every month for your loan.

Guide to register for Digido loan application

Applying for a Digido online loan app is easy and fast. Just follow these four simple steps:

Step 1: Choose the loan amount

• Visit the homepage:

  DIGIDO Website

• On the homepage, you can choose the amount you want to borrow.
• Enter your phone number, check the terms and conditions, and select “Apply Now”.
• You can also download the Digido online app from the App Store or Google Play to apply on your mobile device.

Step 2: Confirm phone number

• Digido PH will send you an OTP code to verify your number. Make sure you read and understand the loan agreement before proceeding.
• Enter the code and click “I Agree” to proceed.

Step 3: Fill in your personal information

• Provide your full name, date of birth, email address, ID number, job information, bank account number, or e-wallet address.
• You can choose GCash disbursement if you prefer to receive your loan through GCash.
• Upload a photo of your ID to verify your personal information.

Step 4: Wait for approval

• Digido app will process your application within 5 minutes and notify you of the result.
• If approved, you will receive your loan within the same day through your bank account or e-wallet.

This video will guide you through the steps of applying for a loan:

Digido Loan Review and Feedback

I wanted to share my experience and write a Digido loan review for anyone who might be interested in their service.

I needed some extra cash to pay for a medical emergency, so I decided to try a Digido online loan. I was impressed by how easy the application process was.

I just downloaded their app, filled out some basic information, uploaded a photo of my ID, and submitted my application. Within 15 minutes, I received a confirmation message and a loan offer.

I borrowed 20,000 pesos for 10 days, with an interest rate of 1.5% per day. The total repayment amount was 23,000 pesos, which I thought was reasonable for a short-term loan. I accepted the offer and received the money in my bank account within 3 hours.

I was able to pay for the medical bills and get the treatment I needed. I also appreciated the reminders and notifications from the app about my due date and balance. Overall, I was very satisfied with Digido’s customer service.

If you want to see some Digido reviews and feedback from other thankful customers, you can scroll down and view their photos and testimonials.

Digido repayment

Digido Philippines offers these payment methods for your convenience. You can choose to pay by:

• Payment center: Any 7-Eleven, ECPay, or TrueMoney outlet nationwide.
• Any Cebuana Lhuillier or Bayad Center branch.
• Online payment: such as GCash, Coins.ph, Dragonpay, and more.
• Union Bank: You can pay your Digido loan online or offline.
• Other authorized banks: such as BDO, BPI, Metrobank, RCBC, Security Bank, and more.

How to pay Digido loan using GCash?

1. Log in to your GCash app and tap “Pay Bills”.
2. Go to “Loans” and select “Dragon Loans”.
3. Enter your reference number, which is your Digido Lifetime ID. You can find it in your personal profile on the Digido loan app.
4. Enter your contact number, email address, and the amount you want to pay.
5. Confirm the transaction and wait for the SMS confirmation.

How to pay Digido in 7-Eleven?

1. Log in to your Digido loan account and take note of your Lifetime ID. It is a reference number that starts with RB or RC.
2. Go to the nearest 7-Eleven branch and use the CliQQ Kiosk Machine or the CliQQ app to generate a barcode slip.
3. On the CliQQ Machine or app, tap “Bills Payment”, then “More Billers”, then “Loans”, then “Dragon Loans”.
4. Enter your Lifetime ID, your mobile number, and the exact amount of your payment.
5. Confirm your payment details and get your payment print-out.
6. Proceed to the cashier and pay the amount. Keep your receipt for proof of payment.

Digido payment using other methods

How to pay Digido using Paymaya?

1. Log in to your Paymaya account and select the “Send Money” option.
2. Enter the Digido loan account number and the amount you want to pay.
3. Confirm the transaction and wait for the confirmation message.

How to pay Digido using Dragonpay?

1. Choose Dragonpay as your payment option when you check out your Digido loan account.
2. Select your preferred Dragonpay payment channel from the list of online or offline options.
3. Enter your email address to receive the payment instructions from Dragonpay. You can also view them on the screen.
4. Follow the payment instructions carefully and make the payment using the reference number provided by Dragonpay.
5. Validate your payment by clicking on the confirmation link in the email from Dragonpay and filling in the required details.
6. Wait for the confirmation email from Dragonpay and Digido app that your payment has been approved.

How to pay Digido using Coins?

1. Log in to your Coins.ph account and tap on Pay Bills.
2. Choose Loans as the biller category and select Digido Finance Corp.
3. Enter your loan details such as your loan ID, amount, and due date.
4. Review your payment details and slide to confirm.
5. You will receive a confirmation message and a receipt in your email.

How to pay Digido using Union Bank?

If you want to pay your Digido loan using Union Bank, you have two options: online banking or over-the-counter.

Online banking:

1. Visit online.unionbankph.com or download the UnionBank app and log in with your credentials.
2. Go to Pay Bills from the main menu and click on Select Biller.
3. Find and choose Digido from the Biller List tab.
4. Enter your Lifetime ID and click Next.
5. Choose the account you want to use for payment and enter the amount and date.
6. Check the payment details and click Pay.
7. You will get a confirmation message that your payment was successful.

Over-the-counter:

1. Get a Bills Payment form and fill it out twice. The Teller will validate both copies and give you one back, along with a Transaction Receipt.
2. Separate your payments by CHECK or CASH. For checks, write down the Drawee Bank/Branch and the check number; For cash, write down the denomination and number of bills.
3. If you have a Union Bank account and want to pay by Debit-To-Account, fill out the Account Number field in the top right corner of the form.

Digido late payment

There are some things you need to know about Digido late payment if you miss your payment deadline:

• The company charges a penalty fee of 2.5% per day on the overdue amount.
• The Digido loan app will send you a demand letter via email, SMS, or courier, reminding you of your obligation to pay your loan. The demand letter will also inform you of the possible legal actions that the company may take against you if you do not settle your debt.
• Digido Philippines may also contact your references, employer, or other third parties to verify your identity and whereabouts. However, the company will not resort to harassment or intimidation tactics, such as threatening or abusive language, physical violence, or public shaming. Digido Finance Corp. follows the Fair Debt Collection Practices Act and respects the rights and privacy of its borrowers.

Digido unpaid loan

If you have a Digido unpaid loan, the company has options to assist with your debt. You can either request a loan extension or contact customer service to discuss a solution that fits your situation.

Digido pay part – one way to extend a loan

If you have taken a loan from the Digido app, you might have seen an option called “pay part” in your account.

Pay part in Digido means that you can extend your loan term by paying a certain amount of your loan balance before or after the due date. This is also known as the prolongation service, which is designed to help you avoid late fees and penalties if you can’t pay your loan in full on time.

To use the pay part option, you need to follow these steps:

• Log in to your Digido loan account and check your active loans.
• Choose the pay part option and see how much you need to pay to prolong your loan term.
• Choose your preferred payment method, such as bank card, GCash, Shopee Pay, or bill payment centers, and complete the transaction.

By paying part of your loan, you can extend your loan term by 7, 14, or 30 days, depending on your loan amount and repayment history.

Contact the company to be offered a solution

Another choice, you contact Digido Finance at (02) 8876-84-84 and they will offer you a solution. Whether you need an extension, a payment plan, or a hardship arrangement, they will do their best to accommodate your needs and help you get back on track.

Compare Digido loan app to other loan apps in Philippines

Criteria	Digido online loan	Moneycat	Finbro
Amount	₱1,000 – ₱25,000	₱500 – ₱20,000	₱1,000 – ₱50,000
Term	7 – 180 days	3 – 6 months	1 – 12 months
Age	21 – 70 years old	22 – 70 years old	20 – 70 years old
Interest rate	up to 1.5%/day	up to 11.9%/month	2,5%-4,6%/month
Approval time	5 minutes	10 minutes	15 minutes
Approval rate	90%	85%	85%

Source: State Bank report.

How to contact Digido customer service

If you have any complaints or concerns about your Digido online loan, you can contact Digido Finance Corporation’s customer service in several ways:

• Office address: Units P107003R, P107007R, P107008R, Level 7 Cyberpark Tower1, 60 Gen. Aguinaldo Ave., Cubao, Quezon City, Philippines 1109.
• Contact number (hotline): (02) 8876-84-84
• Email address: support@digido.ph
• Website: digido.ph
• Cabinet: digido.ph/cabinet
• Chat support: Available.

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FAQs – Digido Loan Review in Philippines

To help you find the answers you need, we have compiled a list of other frequently asked questions about the Digido loan app and provided detailed responses below:

Is Digido SEC registered?

The answer is yes. Digido Philippines has a valid SEC Registration No. CS202003056. This means that this company is a legitimate company that follows the rules and regulations of the Securities and Exchange Commission of the Philippines. It also means that Digido protects the rights and interests of its customers and partners. You can verify this information by visiting the SEC website.

How to delete Digido account?

If you want to delete your Digido loan account, you may not be able to do so immediately. Your account will be stored for 5 years after your last loan repayment. However, if you want to stop receiving notifications from Digido app, you can unsubscribe from their emails and SMS messages by following the instructions in their communications.

Does Digido call your contacts?

The answer is no. Digido respects your privacy and does not call your contacts unless you fail to repay your loan on time.

Does Digido do field visit?

The answer is no. Digido is an online lending platform. You can apply for a loan from anywhere in the Philippines, as long as you have a valid ID, a bank account, and a stable source of income. Digido PH does not do home visits or harass you with calls or texts.

Is Digido a loan shark?

Digido is not a loan shark. This company offers loans with reasonable interest rates and flexible repayment terms. Digido loan app also provides financial education and guidance to help borrowers improve their credit scores and financial well-being.

Is Digido and Robocash the same?

Yes, Digido and Robocash are the same. They are both online lending platforms that offer online loans to Filipinos. Digido is the new name of Robocash, which was rebranded in 2021 to reflect its digital and innovative features.

How to change bank account in Digido?

1. Log in to your Digido loan account using your email and password.
2. Go to the “Profile” section and click on the “Bank Account” tab.
3. Enter your new bank account details and click on the “Save Changes” button.
4. You will receive a confirmation email from the app with a verification code.
5. Enter the verification code in the Digido app to complete the process.

In conclusion – Should you apply for a Digido loan in Philippines?

To sum up, the Digido loan app Philippines is a trustworthy and convenient source of quick cash loans online. The loan app is legitimate and offers flexible repayment terms and a straightforward application process.

If you require a fast and hassle-free loan, you should apply to Digido Philippines as soon as possible. We hope this article was useful and informative. Please rate it 5 stars and leave your feedback below. Thank you for your attention!