9F Lending Philippines Incorporated – An Extensive Review of Financial Services


9F Lending Philippines Incorporated is a distinguished lending company operating in the Philippines, representing three prominent brands: Pesoclick, QuickPeso, and Amihan. Established in 2015, the company has been at the forefront of providing innovative financial solutions to Filipino borrowers.

In this review aims to delve into the company’s background, its array of products, borrower requirements, the intricacies of the application process, and alternative loan options available in the market.

Company Information

As a reputable lending institution, 9F Lending Philippines Incorporated operates under a legal framework, evidenced by its Registration No. S201904471 and the possession of a Certificate of Authority (No. 2916). The company proudly represents two primary brands, Pesoclick, which has been renamed as Amihan, and QuickPeso.

9F Lending Philippines Incorporated Information

Gathering comprehensive information about 9F Lending Philippines Incorporated can prove to be a challenging task. While some data can be found on AppBrain, a reliable source for mobile app statistics, it still provides only a glimpse into the company’s activities. The Amihan – Fast Online Peso Loan app, introduced in 2019, has garnered over 1,000 installations from Filipino users, showcasing its popularity and accessibility. Unfortunately, the company’s official website appears to be inactive, raising questions about the brand’s online presence and marketing strategy.

Borrower Requirements

As part of the company’s responsible lending practices, 9F Lending Philippines Incorporated has established specific eligibility criteria for prospective borrowers. These requirements include:

  • Citizenship: Only Filipino citizens are eligible to apply for loans, limiting the service to the country’s residents.
  • Age: Applicants must meet the minimum age threshold of 18 years, though it is advisable for borrowers to be at least 20 years old to enhance their chances of loan approval.
  • Documentation: A major identification document is necessary for loan application processing.
  • Collateral: In a borrower-friendly move, 9F Lending Philippines Incorporated does not require any form of collateral to secure loans.
  • Additional Information: Active contact information, such as a phone number, email address, and bank card details, play a crucial role in facilitating seamless communication and transactions.

Preparing for Loan Application

Prior to applying for a loan with 9F Lending Philippines Incorporated or any other lending service, potential borrowers should undertake several essential steps to ensure a smooth borrowing experience:

  • Necessity Evaluation: Borrowers should carefully assess whether a loan is truly indispensable, as resolving financial challenges independently is often the preferred option.
  • Thorough Understanding of Loan Terms: Responsible borrowers meticulously review and comprehend all aspects of the loan agreement, particularly the penalties and fines associated with late repayments.
  • Leveraging Existing Credit Cards: For those with credit cards, utilizing this financial resource may present a more suitable alternative to traditional loans.
  • Repayment Capacity Assessment: Borrowers must evaluate their ability to repay the loan within the specified timeframe and devise a comprehensive repayment plan.
  • Contingency Planning: Preparing a backup plan (Plan B) in case of unforeseen circumstances will serve as a safety net during the loan tenure.
  • Regulatory Compliance Check: Ensuring that lenders are registered with the Securities and Exchange Commission (SEC) is crucial to safeguard against potential scams or unscrupulous lending practices.
  • Confidence in Decision-Making: Borrowers are advised not to rush into loan applications if they harbor any doubts or uncertainties.
  • Borrowing Responsibly: Borrowing only the required amount and avoiding unnecessary debts demonstrate responsible financial behavior.

Exploring Alternative Loan Options

In instances where securing a loan from 9F Lending Philippines Incorporated is not feasible, numerous reputable loan companies offer their services in the Philippines. Popular alternatives include Digido, Cashxpress, Tala, Cashalo, Finbro, and Moneycat. Conducting thorough research and comparing the terms and conditions of these lenders empower borrowers to make informed decisions in line with their financial needs.

Applying for a Loan Online in the Philippines

The process of applying for an online loan in the Philippines, whether through a website or mobile application, follows a standard sequence:

  1. Loan Amount and Duration Selection: Borrowers can choose their desired loan amount and specify the preferred repayment period.
  2. Registration Process: Completion of the registration process necessitates the provision of personal details, which are essential for loan evaluation.
  3. Loan Application Submission: Submitting the loan application initiates the processing and assessment stage.
  4. Review and Acceptance of Loan Terms: In the event of loan approval, borrowers must meticulously review and agree to the stipulated terms and conditions.
  5. Fund Disbursement: Upon approval, the loan amount is disbursed to the borrower’s e-wallet, bank account, or provided in cash, as per the chosen mode of transaction.
  6. Timely Repayment: Borrowers are expected to fulfill their repayment obligations within the specified timeframe.

For mobile applications, the initial step involves downloading and installing the app on the borrower’s smartphone. While the application process may share similarities with website-based applications, it is crucial to verify the legitimacy of the lending service to safeguard personal information and financial security. Instances of scams and unauthorized data usage underscore the importance of exercising caution and due diligence.


In conclusion, 9F Lending Philippines Incorporated offers an avenue for Filipinos to apply for online loans through its Pesoclick, QuickPeso, and Amihan brands.

However, the paucity of updated information and the limited online presence may raise concerns among potential borrowers. Transparent and up-to-date information is crucial in the financial services sector, enabling customers to make informed decisions. As such, conducting personal research and verifying the credibility of lending companies are prudent steps in securing a loan from a reliable provider.

With various loan options available in the market, borrowers can explore other reputable lenders, such as Digido, Cashxpress, Tala, Cashalo, Finbro, and Moneycat, to find a suitable financial solution that aligns with their needs and requirements.

Borrowers are encouraged to exercise financial responsibility and prudence throughout the borrowing process to maintain a healthy financial standing and fulfill repayment obligations promptly.

5/5 - (6 votes)
CashLoanPH Changed status to publish 29/07/2023
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