Digido Loan App Review: Loan Info, Terms, Legitimacy, and How to Apply [New Update]

In an age where financial flexibility and accessibility are paramount, financial assistance platforms like Digido have emerged as a solution to the immediate monetary needs of individuals. This article delves into the depths of Digido Loan App, aiming to provide a comprehensive review of its features, terms, legitimacy, and a step-by-step guide on how to apply for a loan. Whether you are in need of a quick cash injection or simply exploring your financial options, this review will equip you with the information required to make an informed decision.

* You’ll Need: Top Legit Online Loans in The Philippines 2024



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Summary of Digido Loan App Reviews

To kickstart our review, let’s take a brief look at the key highlights of the Digido Loan App:

Feature Description
✅ Digido Loan Review ⭐ Digido’s credibility is unquestionable, receiving a stellar 5-star rating as a testament to its legitimacy.
✅ Application Guide ⭐ Empower yourself with the comprehensive guide to applying for Digido Philippines Online Loans, ensuring a seamless process.
✅ Loan Amount ⭐ Tailoring to your financial needs, Digido offers loan amounts ranging from a modest 500 Pesos to a substantial 30,000 Pesos.
✅ Age Eligibility ⭐ To qualify for a Digido loan, you must fall within the age bracket of 21 to 70 years, making it accessible to a broad range of applicants.
✅ Loan Term ⭐ Flexibility is at the core of Digido’s offerings, with loan terms spanning from 3 to 6 months, allowing you to choose what suits you best.
✅ Interest Rate ⭐ With a competitive interest rate of 11.9% per month, Digido ensures that borrowers can access financial assistance without exorbitant charges.
✅ Requirements ⭐ The only document you need to present is a valid National ID, simplifying the application process significantly.
✅ Repayment Methods ⭐ Digido makes it convenient for borrowers by offering multiple repayment options, including bank transfers and GCash, ensuring ease and accessibility.
✅ Pros ⭐ Digido’s advantages are numerous, including the ability to make partial payments, a handy loan calculator, and acceptance of various forms of identification, making it a versatile choice.
✅ Cons ⭐ It’s important to note that Digido does have associated unpaid loan fees, which borrowers should consider when managing their loans.
✅ Effectiveness Evaluation ⭐ Digido has been rated as ‘Good,’ indicating its efficiency in providing financial solutions to its customers.
✅ Bad Credit A standout feature of Digido is its willingness to work with individuals who have bad credit, offering them a path to financial support.
✅ Customer Feedback ⭐ For a deeper understanding of the customer experience, comprehensive feedback can be found in our dedicated post, providing insights and real-life stories.
✅ Download Link ⭐ Access the Digido Loan App easily with the provided download link, ensuring a hassle-free experience for prospective borrowers.


✅ Contact Information ⭐ For any inquiries or assistance, reach out to Digido at +63 2 8876 8484, and their team will be ready to help.
✅ Complaint Handling ⭐ Digido takes customer satisfaction seriously; there are no recorded complaints, and any issues or concerns are dealt with in a polite and professional manner.
✅ SEC Registration ⭐ Rest assured in Digido’s legal standing, as the company is registered with the Securities and Exchange Commission (SEC) under Registration Number CS202003056, providing additional peace of mind for borrowers.

What is Digido?

Digido Loan Philippines Website

Digido, a financial assistance offering by Digido Finance Corp, is in full compliance with SEC regulations, holding a valid operational certificate. The primary focus of Digido is to provide hassle-free digital loans that require nothing more than a valid identification card for the application process. Borrowers can avail themselves of loan amounts ranging from 500 to 30,000 pesos, with flexible repayment terms extending from 3 to 6 months. A notable feature is that first-time borrowers can secure an initial loan approval of up to 10,000 pesos.


Pros of Digido Loan App

Let’s explore some of the key advantages of choosing Digido for your financial needs:

  • Simple Application Process: Whether you’re using a computer or a mobile phone, as long as you have an internet connection, applying for a loan with Digido is straightforward.
  • 24/7 Support: Digido provides around-the-clock customer support, even on weekends and holidays, ensuring assistance whenever you need it.
  • Hassle-Free Process: Digido requires only a single valid ID for the application. No collateral, guarantees, or proof of income are necessary.
  • Automated Approval System: Digido employs an automated approval system that maintains objectivity, resulting in a loan extension approval rate exceeding 90%.
  • Swift Approval and Disbursement: Expect approval within just 5 minutes and rapid disbursement in a matter of hours.
  • Transparent Fees: There are no hidden or upfront fees to worry about.
  • Flexible Repayment Options: You can repay the loan through various methods, adding to the convenience of the service.
  • Confidential Handling of Personal Information: Your personal information is handled with the utmost confidentiality.
  • Legitimate and Trustworthy: Rest assured, Digido is a legitimate service with no scams involved.

Cons of Digido Loan App

In the interest of providing a balanced review, let’s explore some of the limitations associated with Digido:

  • Modest Loan Limits: Digido offers loans with relatively modest limits, which may not meet the needs of individuals with larger financial requirements.
  • Short Repayment Terms: The repayment terms for Digido loans are characterized by short installments, which can put some borrowers under pressure to meet their financial obligations.
  • Higher-Than-Average Interest Rates: It’s important to note that Digido’s loans come with higher-than-average interest rates, which can impact the overall cost of borrowing.

Digido Loan Interest Rate

Digido’s interest rates in the Philippines typically stand at 11.9% per month. This results in a maximum Annual Percentage Rate (APR) of 143% per year. Notably, the initial loan is granted at a 0% interest rate for the first 7 days. It’s essential for prospective borrowers to carefully evaluate the details concerning borrowing limits and interest rates to ensure they can meet their repayment obligations on schedule.

Example of Digido Loan Interest Rate Calculation

As an illustration, let’s consider a scenario in which you submit an application for a 20,000 peso loan with a 4-month term, carrying a 12% monthly interest rate. The loan calculation provided by Digido unfolds like this:

  • Monthly Principal Payment: 5,000 pesos
  • Monthly Interest Payment: 20,000 x 12% = 2,400 pesos
  • Total Amount Due for a Single Month: 7,400 pesos

This calculation illustrates the breakdown of your monthly payments, helping you understand the cost structure of a Digido loan.

Digido Requirements

Digido’s loan prerequisites are applicable to Filipino citizens within the age bracket of 21 to 70 years. Borrowers should maintain a stable income stream and possess the financial capability to meet the repayment obligations.

For the First Digido Loan:

  • The Digido online loan application simplifies the process by requesting borrowers to furnish a minimum of one valid identification document. Acceptable documents may include a Certificate of Employment (COE), Income Tax Return (ITR), company ID, DTI registration, or payslips. Additionally, the subscriber’s mobile number must be functional and capable of two-way communication, without any blocking.

For Subsequent Digido Loans:

  • When applying for a second Digido loan or reloan, borrowers need only log in to their previously registered Digido account and select the desired borrowing limit. The borrower’s personal information is already stored in the system, streamlining the process.

Notably, Digido’s second loan can reach up to 30,000 pesos and boasts an impressive approval time of just 2 minutes.

Guide to Digido Loan Application Step-by-Step

To make the application process clear and accessible, let’s outline the steps involved in applying for a Digido loan:

How to Apply Digido Loan Application?


Step 1: Access Digido’s Homepage

  • Borrowers should start by visiting Digido’s homepage, which can be accessed here.
  • Choose your desired loan limit, enter your phone number, review the terms, and then click on “Apply Now.”
  • If you’re a returning customer, simply click on “Sign in.”

Step 2: Confirm Your Phone Number

  • Digido will send an OTP (One-Time Password) code to the phone number you provided during registration.
  • Enter the OTP code to confirm your phone number.
  • Take a moment to read and review the terms and conditions. If you agree, select “I Agree.”

Step 3: Register Your Personal Information

To proceed with your loan application at Digido Philippines, you’ll need to provide essential personal details. These typically include your full name, date of birth, email address, residential address, employment information, references, and either your bank account number or e-wallet details. Additionally, you’ll need to upload a photo of your ID to verify your personal information.

Step 4: Await Loan Approval and Disbursement

Digido boasts an automated approval system, ensuring a quick response within just 5 minutes. The disbursement process is equally swift, typically occurring on the same day. Once approved, the funds will be transferred to your registered bank account number or e-wallet address.

Digido Loan App Reviews and Feedback

While there have been a handful of complaints associated with Digido, it’s important to emphasize that the Digido lending application remains a trustworthy platform with swift disbursement. To gain a more comprehensive understanding, you can peruse additional Digido loan reviews, encompassing both negative and positive feedback, provided below.

Digido Repayment Options

Digido offers customers a variety of convenient payment options to settle their loans:

  • Bank Transfer: You can make partial payments through a bank transfer to the account number provided by Digido.
  • Online Banking: Utilize online banking services from institutions like Union Bank, BDO, BPI, China Bank, Maybank, Landbank, Metrobank, and PSBank to make payments.
  • Cash Payments: Visit designated payment centers such as 7-Eleven, ECPay, Robinsons, or Savemore to settle your loan in cash.
  • Digital Wallets: For a digital payment experience, you can use services like Coins.ph wallet or Cebuana Lhuillier.

Comparing Digido Loan App Philippines with Other Loan Apps

It’s essential to consider your options when it comes to borrowing, so here’s a comparative analysis of Digido Loan App with other loan apps in the Philippines:

  • Digido App: Loan Limits (500 – 30,000 pesos), Interest Rate (0.4%/day), Tenor (3 – 6 months), Age (21 – 70 years old)
  • Finbro PH: Loan Limits (1,000 – 50,000 pesos), Interest Rate (0.5% – 1.25%/day), Tenor (1 – 12 months), Age (20 – 65 years old)
  • Vamo: Loan Limits (1,000 – 30,000 pesos), Interest Rate (1.3%/day), Tenor (10 – 30 days), Age (20 – 65 years old)

These comparative criteria provide valuable insights for those considering their loan options in the Philippines. It’s important to note that the choice of a loan app should align with your specific financial needs and repayment capacity.

Digido Customer Service Contact Information

To facilitate easy access to customer support and information about Digido, here’s the contact information:

  • Digido’s Affiliated Company: DIGIDO FINANCE CORP
  • Location of Digido: Units P107003R, P107007R, P107008R, Level 7 Cyberpark Tower1, 60 Gen. Aguinaldo Ave., Cubao, Quezon City, Philippines 1109
  • Customer Support for Digido PH: Contact at (02) 8876-84-84, available daily from 8 AM to 5 PM.
  • Branches of Digido: None
  • Digido Partner: Robocash

This contact information can be a valuable resource if you have specific inquiries or require assistance with your Digido loan application or repayment.

FAQs – Digido Loan App in Philippines

Here are some commonly asked questions about Digido loans and their answers:

Is Digido Legitimate?

Digido’s installment service is a fully legitimate financial assistance service operating within the Philippines. It has obtained certification from the Securities and Exchange Commission (SEC) and holds a Certificate of Authority, ensuring customers can confidently use Digido’s loan services to address their financial needs.

Is Digido SEC Registered?

Yes, Digido is registered with the Securities and Exchange Commission and holds SEC Registration number CS202003056. This registration validates the legality of Digido’s lending operations, including its interest rates, fees, and adherence to Philippine legal provisions throughout the disbursement and payment process.

How to Pay Digido Using GCash?

To pay Digido using GCash, follow these steps:

  1. Log in to your GCash account.
  2. Navigate to the “Pay Bills” section.
  3. Select “Loans.”
  4. Choose “Dragon Loans.”
  5. Input the loan information, including phone number and payment amount.
  6. Confirm and complete the Digido online loan payment process.

How to Pay Digido at 7-Eleven?

To pay Digido at 7-Eleven, follow these steps:

  1. Note down your Digido account’s lifetime ID (starting with RD or RC).
  2. Visit the nearest 7-Eleven branch to generate a barcode and pay the bill.
  3. Go to “Loans” and select “Dragonpay.”
  4. Enter your ID, phone number, and payment amount.
  5. Re-enter your phone number and confirm the loan payment.
  6. Print the payment receipt and ask the cashier to scan the barcode.

How to Delete a Digido Account?

Your Digido account is retained for 5 years. During this period, you can log in to your account to approve loans, and all information remains confidential. After 5 years, the system will automatically delete the customer’s loan application information.

How to Change Your Number in Digido?

To change your phone number in Digido, follow these steps:

  1. Sign in to your Digido account.
  2. Enter your username and password.
  3. Select “Change Telephone Number.”


If you find yourself in need of a quick, small loan, Digido’s financial services are worth your consideration. They provide a legitimate borrowing option with a maximum limit of 30,000 pesos. Moreover, first-time borrowers can benefit from a full 7-day interest-free offer. If you found this information helpful, please consider giving it a 5-star rating. If you have any questions or require further clarification regarding Digido loan reviews, feel free to leave a comment, and we’ll respond promptly.


This comprehensive review provides a deep understanding of Digido, empowering you to make an informed decision about your financial needs. Whether you’re a first-time borrower or someone looking for an efficient and trustworthy loan service, Digido offers a legitimate and convenient solution.

Source: Digido.PH

5/5 - (9 votes)

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