Digido Online Loan Review: A Convenient and Innovative Financial Solution


In the rapidly evolving financial landscape, online lending platforms have emerged as a popular choice for borrowers seeking quick and accessible loans.

Digido, a legitimate and state-licensed online lender operating in the Philippines, offers a wide range of loan products designed to meet the diverse financial needs of individuals. With its fully automated online portal and customer-friendly financial solutions, Digido stands out among its competitors.

This review aims to provide a comprehensive analysis of Digido’s key features, eligibility requirements, loan products, application process, and the pros and cons of choosing Digido as a lending partner.


Key Features of Digido

  1. Automation and Innovation: Digido prides itself on its fully automated online lending platform, which utilizes advanced algorithms and data-driven technology to process loan applications efficiently. The automated loan lending system enables independent decision-making based on each applicant’s profile, ensuring a swift and accurate evaluation process. This innovative approach allows Digido to transfer approved funds directly to borrowers within a few hours, providing a convenient and hassle-free borrowing experience.
  2. Eligibility Requirements: To qualify for a Digido loan, applicants must meet certain criteria. They must be Filipino citizens aged between 21 and 70, possessing a valid government-issued identification document. Additionally, a stable source of income and a good credit history are essential prerequisites for loan approval.

By establishing these eligibility requirements, Digido aims to ensure responsible lending practices and protect both borrowers and the company itself.

Loan Products Offered

  1. 0% Interest Promotional Loans: Digido offers an attractive 0% interest promotional loan option for first-time borrowers. This unique feature allows individuals to access loans without incurring any interest charges for a specific period, typically around 7 days. It provides an opportunity for borrowers to experience Digido’s services at no additional cost, creating a favorable impression and building trust.
  2. Non-Collateral Loans: One of the key advantages of Digido is its provision of non-collateral loans. These loans do not require borrowers to pledge any assets as security, making them accessible to a broader range of individuals. With Digido, borrowers can secure loans of up to PHP 25,000 without the need for collateral, thereby eliminating the potential risk of losing valuable assets in case of loan default.
  3. Payday Loans: Digido recognizes the occasional financial challenges individuals face between paychecks. To address this issue, Digido offers payday loans, which are specifically designed to bridge the gap between unexpected expenses and the arrival of the next salary. With a maximum loan amount of PHP 10,000, payday loans provide short-term financial relief, allowing borrowers to meet urgent financial obligations.

Application Process

Digido has streamlined its application process to make it as simple and convenient as possible for borrowers. To apply for a loan, individuals can either visit the Digido website or download the Digido app from their respective app stores. The application requires basic personal information, including the applicant’s name, contact details, and identification number.

Additionally, proof of income is a mandatory requirement to verify the applicant’s ability to repay the loan. Once the application is submitted, Digido’s automated system promptly reviews it, aiming to provide a decision within a few hours. If the loan application is approved, the funds are transferred directly to the borrower’s bank account within 24 hours, ensuring a seamless and efficient lending process.

Pros and Cons of Digido


  • Fast and Easy Application Process: Digido’s online platform offers a straightforward application process, eliminating the need for time-consuming paperwork. Borrowers can complete the application from the comfort of their homes, saving them valuable time and effort.
  • Wide Range of Loan Products: Digido’s diverse loan portfolio caters to various financial needs. Whether borrowers require promotional loans, non-collateral loans, or payday loans, Digido provides flexible options tailored to individual preferences.
  • No Collateral Required for Some Loans: The availability of non-collateral loans makes Digido an attractive choice for individuals who may not possess assets to pledge as collateral. This feature enhances accessibility and allows a broader segment of the population to secure loans.
  • Interest-Free Promotional Loans Available: Digido’s 0% interest promotional loans provide borrowers with an opportunity to access loans without incurring additional interest costs for a specified period. This promotional offer can be advantageous, particularly for first-time borrowers.


  • High Interest Rates for Some Loans: While Digido offers competitive interest rates for many of its loan products, certain loans may have relatively higher interest rates. It is crucial for borrowers to carefully review the terms and conditions and compare rates before making a borrowing decision.
  • Late Payment Fees Can Be High: Digido imposes late payment fees for borrowers who fail to meet the repayment obligations on time. These fees can accumulate and result in additional financial burden for borrowers. It is essential for borrowers to plan and manage their repayments effectively to avoid these penalties.
  • Some Loans Require a Credit Check: While Digido aims to provide accessible loans to a wide range of individuals, some loan products may require a credit check. This requirement could be a potential barrier for individuals with poor credit history or no credit record.


Digido emerges as a legitimate and safe option for individuals seeking online loans in the Philippines. With its automated lending system, diverse loan products, and user-friendly application process, Digido offers a convenient and efficient borrowing experience.

However, borrowers should exercise caution and consider factors such as interest rates, repayment terms, and fees before finalizing a loan agreement. By conducting thorough research and comparing multiple lending options, individuals can make informed decisions that align with their financial goals and circumstances.

In summary, Digido’s commitment to innovation and customer-centric services positions it as a commendable choice for those in need of quick and accessible loans. By providing a variety of loan products and maintaining a swift and reliable application process, Digido caters to the evolving needs of borrowers in the digital era.

5/5 - (15 votes)
CashLoanPH Changed status to publish 23/06/2023
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