FAQ

What is Online Lending?

Since the internet revolution more and more fields in our daily life has gone online so it is natural tendency that lending should goes on line as well. No more personal appearance and waiting in the lines to avail a loan ,simply apply online from your computer or by using your Smartphone and wait till your cash arriving to your bank account.

  • Applicant must be a Filipino citizen currently residing and working within the country in Metro Manila and nearby cities
  • Applicant age must be no less than 21 at time of application, and no more than 50 at time of completion
  • Applicant must be resident within a covered area of Metro Manila and nearby cities
  • Applicant must be regular work status (Minimum 6 Months)
  • Applicant must have valid proof of address. Meralco or Maynilad bills
  • Applicant must have one (1) month most recent payslip
  • Applicant must have UMID, New TIN ID, New PhilHealth ID, and Drivers License
  • Applicant must have a Bank account under his name to able to receive the loan
  • For first time customers, the minimum Personal Loans amount is ₱ 2,000.00; and the maximum amount is ₱ 10,000.00
  • For renewal Minimum is 2,000.00 and the maximum is ₱ 20,000.00 depends on the previous loan repayment and on the client salary
  • 61 Days – Payable on each 15th day from disbursement day (4 Installments)
  • 10 Weeks – Payable on each 15th day from disbursement day (5 Installments)
  • 90 Days – Payable on each 15th day from disbursement day (6 Installments)
  • Check the calculator for loan amount and terms
  • Register yourself on our web site by clicking on APPLY NOW button
  • Verify your e-mail
  • Log in with your username and password that previously you have created and fill out our online application form
  • During the application upload the necessary documents.
  • During the application if you are missing any requested details or documents you can save your progress at anytime and when you re log in you may continue to complete your form.
  • We will begin processing your application once we’ve received your application. Please ensure that you have provided all the necessary data in your application form and that all the required documents have been uploaded. Approval time up to 48 hours. Once approved, expect the funds exchanged to be in your Bank account within 24 hours.
  • Your interest rate is 0.8% per day you may check on our loan calculator.
  • Once we have reviewed and processed your application, we will immediately send you an email, and SMS to your phone regarding your loan status.
  • Our 48 hours processing starts after we receive complete details of your online application and complete requirements, in case you miss to upload any documents or fill out some details the 48 hours will start after you completed all the requirements.
  • Our working hours is from Monday to Fridays, 9:00 AM to 7:00 PM. All applications received during weekends and holidays will be processed from 1st working day which is after the application was received.
  • There will be instances wherein the approval process will take longer than usual 48 hours. Should you feel there is a delay in your approval, please do not hesitate to contact us on (02) 318 8000, and our representative will review your request to identify the issue.
  • After a successful loan disbursement, we will provide you a Repayment Instructions via Email containing When, How, Where and How much to pay and consequences of non-payment. For your general information the repayment can be done by Dragon Pay Payment facilities which is available in every 7 Eleven, Cebuana, LBC, SM Payment Centers, Robinson Payment Centers and Bayad Centers.The repayment instruction will be sent to you once your account will be credited.
  • Upon the completion of your repayment to one of the Dragon Pay payment facilities which will be stated on your repayment instruction mail, we will verify your payment thru our payment partners.
  • To process your re-loan faster we suggest you to login and upload your proof of payment to your existing Asteria account or send the proof of payment via email to [email protected] in the subject field. Please indicate your loan ID
  • We will contact you by mail to verify that your loan has been repaid.
  • Should you have any concerns on the status of your repayment, please feel free to contact our collection team at (02) 318 8000
  • You will incur late payment charges and penalty of 1% per day as stated on the repayment instruction that we will provided after a successful disbursement. We encourage you to pay in advance or in time to have a good credit standing and scoring.
  • Yes, you can avail our re-loan program after you successfully paid your existing loan in full.
  • Login to your existing Asteria account and click Re-loan.
  • Please refer to ALP (Asteria Loyalty Program)
Online Application Received

Welcome to Asteria lending Inc., we are a Makati-based lending firm fully licensed by, and in compliance with the SEC. We offer a wide range of personal and business loans for various financing solutions that fit your needs.
Our goal is to provide the Philippine market, and its people, a reliable and efficient means to apply for the loans they need, online, when they need it, and without the hassle. Feel free to browse our finance options, or contact us and we’ll work out a loan with terms most comfortable for you.

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