Review of Digido PH: how to get a loan online and what are the conditions

About Digido

Digido is a licensed financial platform in the Philippines that provides fully automated online loans. The company operates legally under the Securities and Exchange Commission (SEC) and focuses on offering quick, accessible lending services to Filipinos, including those with little or no credit history. Its system works 24/7, meaning you can apply and get approved even at night or on weekends.

Loan Conditions in Digido

Borrowers can take out loans starting from ₱1,000 up to ₱25,000, depending on their status as first-time or repeat users. New clients usually start with lower amounts, while those who repay on time may receive higher limits over time. The platform sometimes offers a special promotion for first-time borrowers with zero interest for a short term. The loan term can range from a few days for the initial loan to up to 180 days for returning users. All transactions are conducted in Philippine pesos.

Daily interest can reach around 1.5% depending on the loan duration and amount, but the platform is transparent about its rates and does not hide any additional fees. Applications are processed instantly using an automated system, and once the agreement is signed, the money is sent directly to the borrower’s account within minutes.

Who Can Apply

Digido accepts applications from Filipino citizens aged between 21 and 70 years. To get started, you only need a valid government-issued ID and an active mobile phone number. Proof of income is not mandatory for first-time users, but providing documents like a payslip or certificate of employment can increase the chance of approval or help secure a higher amount.

How to Apply for a Digido Loan

Applying for a loan with Digido is simple and does not require visiting an office or providing collateral. Here’s how it works:

1. Visit the Digido website or mobile app.

2. Register with your phone number and fill out the online form.

3. Upload your ID and submit your application.

4. Wait for the automated decision, usually within minutes.

5. Once approved, sign the digital contract and receive the funds directly in your bank account or preferred payment channel.

Repayment and Payment Methods

Repaying your Digido loan is also straightforward. The platform offers several repayment channels, including bank transfers, GCash, 7-Eleven, remittance centers, and partner payment networks. Early repayment is allowed, and timely payments help increase your credit limit for future borrowing.

Advantages of Digido

• Fast application and approval process—loans can be disbursed in minutes.

• No collateral or extensive paperwork required.

• 24/7 availability, including holidays and weekends.

• Special offer: 0% interest for first-time borrowers on selected amounts.

• Flexible repayment terms with various payment methods.

• High approval rate for returning customers who maintain good payment history.

Additional Information

Digido does not require a perfect credit score. Even people with limited or no previous credit history can apply. The more you borrow and repay on time, the higher your future loan limits become. Extensions and early repayments are available depending on the situation, and the company clearly outlines all conditions before you confirm your loan.