Blend PH Loan Review: the Leading Online Personal Loan Provider in the Philippines


In times of financial emergencies, finding a safe, reliable, and convenient loan provider becomes a top priority. Blend PH, a pioneer in peer-to-peer lending in the Philippines, presents itself as a trustworthy and efficient platform for borrowers seeking quick access to funds.

In this review, CashLoanPH aims to delve into the essential aspects of Blend PH and highlight its advantages as a preferred choice for personal loans in the country.

Blend PH: A Trailblazer in Peer-to-Peer Lending

Blend PH, managed and developed by Inclusive Financial Technologies Inc., stands at the forefront of peer-to-peer lending in the Philippines. It functions as an intermediary, connecting borrowers to financial institutions and lenders interested in investing in short-term loans. Among its partners are reputable entities such as Netbank, Forbes Lending Solutions Corporation, Welcome Finance Inc., and Right Choice Finance. Through these partnerships, Blend PH effectively matches loan applications with investors’ funds, streamlining the application and processing procedures. Blend PH’s commitment to fostering financial inclusion is evident in its innovative approach to lending, empowering both borrowers and lenders in the process.

Legitimacy and Reliability

Concerns about the legitimacy of online lending platforms are legitimate. In the case of Blend PH, borrowers can rest assured knowing that it is a legitimate and registered company with the Securities and Exchange Commission. Holding the SEC Registration Number CS201908028, Blend PH operates within the legal framework and adheres to industry regulations, offering borrowers peace of mind and transparency in their financial transactions.

Blend PH Loan Review: Positive Traits

The online landscape is rife with Blend PH loan reviews, with many borrowers expressing satisfaction with their experience. Commendations for its speedy loan approval and processing are common, highlighting Blend PH’s commitment to efficiency. Additionally, the platform’s accommodating loan officers who readily address inquiries related to various loan products are praised for their professionalism and customer-oriented approach. These positive reviews serve as a testament to Blend PH’s dedication to providing a seamless borrowing experience for its users.

Why Choose Blend PH for Your Personal Loan?

With numerous loan providers vying for borrowers’ attention in the Philippines, selecting the right platform can be a daunting task. However, Blend PH distinguishes itself by offering a range of features that make it an attractive option for prospective borrowers. Here are some compelling reasons to choose Blend PH for your personal loan needs:

Multi-Purpose Loan: One of the standout features of Blend PH’s personal loan is its versatility. Borrowers can use the funds for various financial needs, whether it’s paying for tuition fees, starting a new business venture, renovating their homes, consolidating debts, making a car down payment, or creating a travel fund. This multi-purpose nature of the loan empowers borrowers to jumpstart any financial goal with just a few clicks, providing them with the flexibility and freedom they need to address their unique circumstances.

Flexible Terms and Rates: Blend PH understands that borrowers have diverse financial situations and needs. As such, it offers personal loans with highly competitive interest rates. Depending on the result of the credit assessment, borrowers can enjoy interest rates ranging from 1.5% to 3% per month. This flexibility ensures that borrowers can find a loan package that aligns with their financial capabilities, making loan repayment more manageable and sustainable.

High Loan Amount: Another significant advantage of choosing Blend PH is the availability of high loan amounts. Borrowers can access funds ranging from ₱50,000 to ₱2 million, depending on their creditworthiness and financial capacity. Unlike traditional loans that may require collateral to secure higher loan amounts, Blend PH’s personal loan eliminates the need for collateral, making the borrowing process more accessible and convenient for a broader range of individuals.

Fast and Convenient Application Process: In today’s fast-paced world, time is of the essence, and Blend PH recognizes this reality. The platform offers an entirely online application and processing system, sparing borrowers the need to physically visit brick-and-mortar offices. With just a few clicks, borrowers can access the Blend PH website, complete the application form, and submit the necessary bank loan requirements. This streamlined process saves borrowers time and effort, allowing them to secure the funds they need without unnecessary delays.

Ease of Application: Applying for a Blend PH personal loan is a straightforward and user-friendly process. Prospective borrowers can sign up for a Blend PH account as a borrower, answer a series of questions about their employment, desired loan amount, purpose, and repayment period to determine their loan eligibility. Once these initial steps are completed, borrowers can submit the required documents for verification, and the Blend PH team will handle the rest. This hassle-free application process eliminates unnecessary paperwork and bureaucratic hurdles, making borrowing a seamless experience.

Understanding the Blend PH Personal Loan

To fully grasp the benefits of a Blend PH personal loan, it is essential to delve into the finer details of this financial product. The Blend Personal Loan caters to qualified individuals in need of extra cash without the need for collateral. This non-collateral loan option provides borrowers with the financial flexibility they seek while ensuring their valuable assets remain unaffected.

The loan amount offered by Blend PH ranges from ₱50,000 to ₱2 million, providing borrowers with a wide range of options to cater to their specific needs. Additionally, the repayment terms are designed to accommodate borrowers’ preferences and financial capacity, with options spanning 12, 18, 24, and 36 months. These flexible terms make it easier for borrowers to structure their loan repayments in a way that aligns with their monthly budget and overall financial goals.

Interest rates on the Blend PH personal loan are determined based on the borrower’s risk profile and credit assessment. As a result, interest rates can range from as low as 1.5% to 3% per month, offering borrowers competitive rates that are well-suited to their financial situation.

The loan processing period is a crucial consideration for borrowers, especially those facing urgent financial needs. Blend PH understands this urgency and commits to a swift processing timeline, typically completing the loan processing within 24 to 48 hours. This efficiency ensures that borrowers can access the funds they require without unnecessary delays, providing them with the financial assistance they need precisely when they need it most.

Other Loan Options Provided by Blend PH

While Blend PH is renowned for its exceptional personal loans, the platform extends its financial services to cater to a broader range of borrowers’ needs. Understanding that each individual or business may have unique financial requirements, Blend PH offers a diverse array of loan options to meet these specific demands. Here are some other loan products available through Blend PH:

Franchise Loan: Aspiring entrepreneurs can access Blend PH’s Franchise Loan to purchase franchises from a selection of partner brands. With loanable amounts ranging from ₱50,000 to ₱2 million and an attractive interest rate of 2%, this loan option provides individuals with an opportunity to venture into their desired business endeavors.

Auto Sangla (ORCR Loan): For car owners in need of immediate funds, Blend PH’s Auto Sangla loan presents a viable solution. By using their vehicle’s Original Certificate of Registration and Official Receipt as collateral, borrowers can access loan amounts ranging from ₱10,000 to ₱3 million. With an attractive interest rate of 1.5%, this loan option offers flexibility and convenience.

Business Loan: Established business owners seeking additional capital can explore Blend PH’s Business Loan. With loanable amounts ranging from ₱100,000 to ₱2 million and interest rates varying from 1.5% to%, this loan option addresses diverse business needs, such as expanding operations, purchasing new equipment, or securing additional stock.

Seafarer Loan: Recognizing the unique financial demands of seafarers, Blend PH offers a specialized Seafarer Loan. This loan option provides onboarding seafarers with the necessary funds to support their departure or their family’s financial needs. With loanable amounts ranging from ₱50,000 to ₱500,000 and a competitive interest rate of 3.5%, this loan option serves as a reliable financial tool for seafarers seeking financial assistance.

Fast Loan: Blend PH’s Fast Loan is tailored to address urgent cash needs, such as unexpected bills or minor expenses. With loanable amounts ranging from ₱10,000 to ₱40,000 and an interest rate of 8%, this short-term loan option offers a quick and straightforward solution to immediate financial challenges.

Educational Loan: Recognizing the importance of education and professional development, Blend PH provides an Educational Loan for students enrolled in partner training centers and schools. This loan option offers loanable amounts from ₱20,000 to ₱25,000, accompanied by a competitive interest rate of 3%. This financial support allows students and working professionals to focus on their educational journey without undue financial stress.

Salary Loan: For employees of Blend PH’s partner companies, the Salary Loan provides a valuable credit line that can be activated whenever needed. With loanable amounts equivalent to one month’s salary and an interest rate of 3%, this loan option ensures that employees have access to financial support whenever unexpected expenses arise.

Eligibility and Required Documents

Understanding the eligibility criteria and required documents is vital for potential borrowers considering a Blend PH personal loan. The eligibility requirements are designed to ensure that borrowers meet the necessary criteria to secure a loan. To qualify for a Blend PH personal loan, prospective borrowers must meet the following eligibility requirements:

  • Age: Borrowers must be between 21 and 64 years old.
  • Citizenship: Borrowers must be Filipino citizens, reflecting Blend PH’s focus on supporting local communities.
  • Employment Status: For employed individuals, the minimum employment tenure is set at one year, demonstrating a stable source of income.
  • Minimum Income: Employed individuals must earn at least ₱26,000 per month, establishing their ability to manage loan repayments.
  • Business Ownership: For business owners, Blend PH requires a minimum of one year of operation, ensuring that businesses seeking loans have a track record of stability.

The required documents for loan application differ for employed and self-employed borrowers, with each category necessitating specific documents to complete the application process successfully. These documents include:

For Employed Borrowers:

  • Valid Government-Issued ID: A government-issued ID serves as essential identification and verification of the borrower’s identity.
  • Company ID: The borrower’s company ID further verifies their employment status and affiliation with the respective employer.
  • Three Months’ Payslips: Payslips offer insights into the borrower’s income and help determine their ability to manage loan repayments.
  • Certificate of Employment: A Certificate of Employment serves as an official document confirming the borrower’s employment status and tenure.
  • Proof of Billing: This document provides evidence of the borrower’s current residence, serving as an important address verification.
  • Selfie with ID: A selfie with an ID is a security measure employed by Blend PH to ensure the authenticity of the borrower’s identity and prevent identity theft.

For Self-Employed Borrowers:

  • Valid Government-Issued ID: As with employed borrowers, self-employed borrowers are required to provide a valid government-issued ID for identification and verification purposes.
  • Selfie with ID: A selfie with ID serves as an additional security measure to verify the borrower’s identity.
  • Proof of Billing: This document provides evidence of the borrower’s current residence, serving as an important address verification.
  • Bank Certificate with Average Daily Balance: A bank certificate with the average daily balance reflects the borrower’s financial standing and capacity to handle loan repayments.
  • Last Two Months’ Bank Statements: Bank statements offer insights into the borrower’s financial behavior and provide additional information to support their loan application.
  • Business or Mayor’s Permit: Self-employed borrowers must furnish their business or mayor’s permit to establish the legitimacy and operation of their business.
  • Latest Income Tax Return and Audited Financial Statements: These financial documents provide a comprehensive view of the borrower’s financial performance and stability, offering crucial information to support the loan application.

How to Apply for a Blend Personal Loan

Applying for a personal loan with Blend PH is a straightforward process designed to provide borrowers with a seamless and user-friendly experience. By following the steps outlined below, prospective borrowers can initiate their loan application with ease:

Check Your Eligibility: The first step in the loan application process involves determining your eligibility. To do this, borrowers can use the Loan Calculator provided by Blend PH. By inputting relevant information regarding their employment status, monthly income, job tenure, desired loan purpose, amount, and preferred repayment period, borrowers can assess their eligibility for a Blend PH personal loan.

Compare Loans: Upon determining their eligibility, borrowers will receive a list of available loan options based on their provided information. This list presents an overview of different loan providers, the associated interest rates, monthly repayment amounts, and estimated total repayment. This step empowers borrowers to make informed decisions, selecting a loan package that best aligns with their financial needs and preferences.

Apply for the Loan: After comparing the available loan options, borrowers can proceed to apply for the loan of their choice. This involves clicking on the “Apply” button corresponding to the preferred loan product. Subsequently, borrowers will need to complete the loan application process by creating a Borrower Account and providing the required information and documents. Timeliness is crucial during this stage, as incomplete applications may be automatically rejected by the system after two weeks.

Undergo Credit Evaluation and Endorsement: Following the completion of the loan application, Blend PH will begin the process of verifying the borrower’s information and documents. During this stage, the Blend PH team will conduct a thorough credit evaluation to assess the borrower’s creditworthiness and risk profile. Once the verification and evaluation process is complete, Blend PH will endorse the loan application to its partner lenders for approval and funding.

Wait for Loan Disbursement: If the borrower’s loan application is successful, they can expect a call from Blend PH’s partner investor to finalize the loan disbursement process. The borrower will receive notifications when the funds are ready for disbursement. Thanks to Blend PH’s commitment to swift loan processing, borrowers can typically expect the disbursement process to be completed efficiently.


In conclusion, Blend PH has emerged as a prominent player in the online lending landscape in the Philippines, offering a comprehensive range of financial solutions to cater to diverse borrower needs. As a trailblazer in peer-to-peer lending, Blend PH fosters financial inclusion by connecting borrowers to financial institutions and investors. Its legitimacy and reliability are underscored by its registration with the Securities and Exchange Commission.

Blend PH’s positive loan reviews highlight its efficiency, quick loan approval and processing, and the dedication of its loan officers to provide excellent customer service. Its commitment to facilitating financial freedom is evident through its multi-purpose loans, flexible terms, high loan amounts, and swift application process. Whether borrowers require funds for personal needs, business ventures, education, or other purposes, Blend PH’s loan options offer practical and accessible solutions.

Prospective borrowers are encouraged to explore Blend PH’s website and official Facebook page to gain further insights and reviews. While occasional delays in loan processing may occur, Blend PH remains a reliable option for individuals seeking timely financial assistance. Its competitive rates, high loan amounts, and extended repayment periods, coupled with its user-friendly application process, make Blend PH an ideal choice for borrowers looking to secure their financial future. Through its commitment to empowering borrowers and investors alike, Blend PH continues to solidify its position as a leading online personal loan provider in the Philippines.

In conclusion, Blend PH continues to prove itself as a pioneer and leader in the peer-to-peer lending space, providing Filipinos with a reliable and convenient option for personal loans. With its user-friendly application process, flexible loan terms, competitive interest rates, and quick loan approval, Blend PH stands out as a premier choice for borrowers in need of financial assistance. Whether for urgent financial emergencies or planned endeavors, Blend PH remains a trusted partner for individuals seeking a secure and efficient lending platform.

5/5 - (12 votes)
CashLoanPH Changed status to publish 05/08/2023