Money, when you need

Affordable short-term micro-loans at your fingertips. No bank account, references or collateral required. Minimal, one-time documentation.


Fast Decision

We seek permission from our users to access their smartphone data. We combine that with third party data and run Machine Learning to process them along with loan data to provide loan decision in seconds.


Loans up to 10,000 PHP

We give you 800 PHP or 1,000 PHP depending on the credit score and from there, based on prompt payments and time, your credit can grow up to Php10,000. You can choose your repayment between 1 to 3 months.

Highly affordable interest rates

Our purpose is to provide money when you need at rates that you can afford. Before you borrow, you will know every single fee we charge upfront. Small penalty charges applicable for late payment which will be transparent. There are no hidden charges. No fineprints.

Find out how much will your monthly installment be with this handy calculator.

Loan amount 4600 PHP
Repayment period 2 months

Your loan

Total repayable
Monthly installment

Your convenience is key

We transfer loans to your GCash Wallet or via Remittance Centre and you can pay your loans across all 7-11 stores, over 30,000 EC Pay partner locations across the country and via Gcash Bill Payment too.



We understand our obligations to the data we collect from our users. They are encrypted and protected. We have a strict no share policy. We have clearly stated our privacy policy for everyone to see.

UScore SDK

A connected world needs a new credit risk modelling solution and with UScore we are providing just that. We use thousands of data points and run a machine learning algorithm to determine credit risk in a matter of seconds. Umbrella, our micro-loan offering product, uses UScore for loan approvals.

We would love to talk to you if you are keen to use our scoring for your lending solutions. We currently offer Personal Loans modelling but we will add SME loans to our line-up.

Our Data Scientists will help your business teams evaluate and apply machine learning models that match your priorities and business goals.

UScore SDK can be hosted on-premise or in the cloud, and easily integrated into your existing apps.