What DIGIDO FINANCE does

Digido Finance Corp. is a Philippines-based, SEC-registered online consumer lender (Registration No. CS202003056, Certificate of Authority No. 1272) headquartered in Quezon City, operating what it describes as the first fully automated online lending platform in the country. The core technology is a self-serve, 24/7 web and mobile application (Android and iOS) that processes loan applications, performs credit decisioning, and disburses funds in approximately four minutes without human intervention; only a government-issued ID is mandatory, with no collateral, guarantor, or guarantee deposit required. Origination volumes have reached 3.7M+ cumulative loans across 1M+ unique borrowers, with current monthly run-rate of 100,000+ loans and an overall approval rate of 95%.

The product suite spans first-loan 0% interest offers (PHP 1,000–4,000 over 7 days), repeat-borrower cash and installment loans up to PHP 25,000 over up to 180 days, as well as targeted variants for OFWs, bad-credit and blacklisted borrowers, salary and payday borrowers, business borrowers, and revolving credit-line customers. Distribution is omnichannel: native mobile apps and website for self-serve origination, supplemented by a physical branch network across the Philippines for in-person walk-throughs, and a dense repayment/disbursement ecosystem integrating BDO, BPI, Metrobank, Unionbank, Landbank, GCash, Dragonpay, QRPH, 7-Eleven, Cebuana Lhuillier, and M. Lhuillier.

Revenue is generated primarily through interest on short-term loans (up to 1.5% per day on repeat-borrower terms) and modest loan-processing fees during cooling-off cancellations, on a usage-based pricing model. The company is privately held with no disclosed institutional funding or parent, and its competitive positioning rests on regulatory legitimacy, distribution breadth, and scale advantages from automation rather than disclosed proprietary AI or differentiated underwriting IP.

Name

DIGIDO FINANCE

Legal name

Digido Finance Corp.

Website

https://digido.ph

Company type

Private

Founded year

2017

Operating status

Operating

Short description

Digido Finance Corp. is an SEC-registered Philippine online consumer lender offering automated, 24/7 short-term loans from PHP 1,000 to PHP 25,000 to underbanked Filipino individuals, including bad-credit and OFW borrowers, via mobile app, web, and physical branches.

Ownership category

akta.pro rank

Product category

Online Consumer Lending

NAICS

Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Cash Advance (Online & Storefront) (FSAKAMAC)

akta.pro secondary industries

Single-Payment Payday Loans (FSAKAMAA), Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

Keywords

• Online consumer lending
• Short-term cash loans
• Mobile lending platform
• Personal loan Philippines
• Digital microfinance

Headquarters

HQ city

Quezon City

HQ country

Philippines

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Short-term Loan Interest Income: Primary revenue from interest charged on short-term loans. First-time borrowers receive 0% interest for 7 days (PHP 1,000-4,000). Repeat customers pay interest rates that depend on loan term and amount, not exceeding 1.5% per day. Loan amounts range from PHP 1,000 to 25,000 with terms up to 180 days for repeat borrowers.
2. Loan Processing Fees: No hidden charges, upfront fees, or commissions. Processing/handling fees may apply during cooling-off period cancellations.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels6 records

Core offering

DIGIDO FINANCE operates a fully automated online and mobile consumer lending platform in the Philippines, providing short-term cash loans ranging from PHP 1,000 to PHP 25,000 with terms up to 180 days. First-time borrowers receive an interest-free loan for 7 days (PHP 1,000–4,000), while repeat customers access larger amounts at interest rates up to 1.5% per day. The platform processes applications, performs credit decisions, and disburses funds within approximately 4 minutes, 24/7, with no human intervention and only a government-issued ID required.

Product overview

DIGIDO FINANCE operates as a fully automated online lending platform offering short-term personal loans to Filipinos. The core product ecosystem consists of the Digido Mobile App and Website Portal, which provide access to various loan products including First Loans (0% interest for new customers), Cash Loans, Emergency Loans, Personal Loans, Salary Loans, Short-Term Loans, PayDay Loans, Installment Loans for repeat borrowers, Credit Line facilities, and specialized products for OFW customers, business owners, and individuals with poor credit history. The platform functions as a single unified system where all products are accessed through the same application process, with loan amounts ranging from PHP 1,000 to 25,000 and repayment terms from 7 days to 180 days depending on the product type and borrower status.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• 95% approval rate for all applications
• +4 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core.

• BDO (Banco de Oro)coreTechnology or IntegrationBank partner for loan disbursement and repayment. BDO Internet Banking available for fund transfers to and from Digido accounts.
• BPI (Bank of the Philippine Islands)coreTechnology or IntegrationBPI Online Banking integration for loan disbursement and repayment processing.
• GCashcoreTechnology or IntegrationE-wallet integration for instant loan disbursement. GCash Dragon Loans available for repayment. Fund transfers to GCash complete within 24 hours on business days.
• DragonpaycoreTechnology or IntegrationPayment processing partner enabling multiple repayment options including online banking and e-wallet channels. Integrated for both disbursement and collection.
• 7-ElevencoreChannel Partner/ Reseller/ DistributorCash payment partner allowing borrowers to repay loans at any 7-Eleven convenience store branch nationwide.
• Cebuana LhuilliercoreChannel Partner/ Reseller/ DistributorRemittance and bills payment partner for cash loan repayments at Cebuana Lhuillier branches. Also offers cash pickup option for disbursement.
• M. LhuilliercoreChannel Partner/ Reseller/ DistributorRemittance center partnership enabling cash loan repayments and cash pickup services at M. Lhuillier branches across the Philippines.

Scale indicators8 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Cashalo: Cashalo is one of the leading SEC-registered online lending apps in the Philippines, offering short-term cash loans and installment products to underbanked Filipinos through a mobile-first flow — the closest functional competitor to Digido in product and target segment.
• Tala: Tala operates a mobile lending app providing small-dollar, short-tenor credit to underbanked consumers across emerging markets including the Philippines, using alternative data underwriting — directly comparable in borrower segment and product mechanics.
• MoneyCat: MoneyCat is an SEC-registered Philippine online lender offering small cash loans and installment products via mobile app, serving near-identical underbanked and bad-credit borrower segments as Digido.
• Online Loans Pilipinas (OLP): OLP is a Philippines-focused online personal and cash loan platform offering fast approval short-term credit to Filipino borrowers, with comparable ticket sizes and inclusive lending positioning.
• Asteria (formerly Plentina): Asteria is a Philippine fintech providing online consumer and SME credit via a mobile app, targeting underbanked segments with short-term digital loans — overlapping significantly with Digido on product, channel, and customer.
• Plentina: Plentina is a Philippine digital lending platform offering short-term cash loans to consumers through a fully online application, with very similar underwriting and disbursement mechanics to Digido.
• Robocash Philippines: Robocash Philippines is an SEC-registered online lender offering short-term cash loans and installment products to Filipino consumers, with a similar product mix and target borrower.
• UnoCash: UnoCash is a Philippine online personal loan platform providing fast, small-ticket credit to underbanked borrowers, with overlapping loan sizes, terms, and target customer base.

Broad incumbents

• GCash (Maya / Fuse Lending): GCash, embedded in the Maya wallet/bank ecosystem, offers e-wallet-tied credit (GCash Loans, GGives) to tens of millions of Filipinos — a much larger incumbent now competing in the same underbanked digital-lending category Digido occupies.

Regional players

• Trusting Social: Trusting Social is a Vietnam- and Southeast Asia-based AI credit-scoring and digital lending fintech; it is a comparable alternative-data underwriter operating in adjacent SE Asian markets with similar product overlap to Digido's automated decisioning model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/digidoph
• Instagraminstagram.com/digidoph
• TikToktiktok.com/@digidoph

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about DIGIDO FINANCE