Instamonie

About Us

Our service is committed to giving you with offers that work for you, saving you time. It takes just five minutes to apply, and we can help you get funds for a short period, without any collateral or cosigners. You are welcome to use our service even if your credit history is not perfect. Loans up to ₱ 25000 are the best option for those looking to receive a small amount for a short period.

Our loan matching services is 100% free for our users. Everything is online, meaning that we never call users and do not request information or personal data. Please note, however, that we do not provide funds and can’t guarantee that lenders will respond positively.

Verified lenders will never ask you for a commission or percentage before transferring the full amount of the loan to your card. Please be wary of messages or calls requesting you to transfer money to an account with an unknown organization. Lenders take a decision to provide funds only after they have received all of the borrower’s information.

People with poor credit histories, students, retirees, freelancers, and those between jobs can find loans on our service. The primary condition is that you have a regular source of income. The right to accept or refuse a loan is yours. Always. Please review the terms carefully and be sure that you understand your obligations to the lender before the receiving the money.

If you still have questions, you can reach us through the feedback form.

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Material Disclosure

We represent Fininity Ltd, which acts a credit broker. We are not a lender. instamonie.com does not directly offer any type of loans or consumer loan products.

Repayment Periods and Interest Rates

The loans offered on instamonie.com have a minimum repayment period of 120 days (four months) and a maximum of 180 days (six months). APRs range from 0% to 36%. Interest rates vary from lender to lender.

Collection Policy

Please contact the lender directly if you are having trouble repaying. They will be able to discuss payment options with you. The lender reserves the right to give your information to a third-party collection agency, should the situation remain unresolved.

Consequences of Default

instamonie.com always recommends repaying on time. If you cannot, each lender has their own policies on fees/interest and how they handle debt collection. Most lenders will contact you by regular mail, email, or phone to change your payment terms. Nonpayment may result in penalties and/or increased interest. We recommend that you contact your lender as soon as you know there is an issue; otherwise, your credit history may get affected.

Late Payments

If you are unable to repay within the loan period, you need to contact your lender right away. Lenders may charge a fee for late payments, which averages about 0.03% of the amount owed for personal loans and credit cards. Please remember that you will likely incur additional fees if you pay late or not at all, which could add up. For more information about late payment fees, please contact your lender directly and be sure you have read the terms in your loan agreement.

Extensions

If you would like to extend your loan, you should contact your lender before missing a payment. Most lenders charge the same interest rate and commissions for another month on the total amount due. The loan may be renewed or extended automatically in the event of late or nonpayment. Additional interest and/or fees may be charged to your account. Please, think carefully before extending your loan, as doing so may substantially increase the amount you pay.

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