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LightKredit is designed with a very user-friendly and easy-to-use interface. Therefore, this lending app is preferred by many customers. You only need to provide loan information and the system will suggest the most suitable options.

LightKredit app is where users can access the best loan services on their phones today. Customers in need of loans can access LightKredit via web browsers on all internet-connected mobile devices.

Borrowers simply need to register their basic information on the system when needed. Then, they wait for approval and receive money through their bank accounts. You can rest assured because all information is securely encrypted.

Customers need to remember that Light Kredit is not a financial company or bank. It is a financial organization operating in the field of online lending. However, you can be assured because this is a fairly common form of borrowing money nowadays. At the same time, LightKredit ensures transparency and safety for customers. Whether to choose this app for borrowing money or not depends entirely on the customer’s choice.

Advantages of Light Kredit:

Convenient borrowing: Both parties do not need to meet face-to-face to negotiate and conduct transactions. Moreover, LightKredit does not require collateral. Skip the scrutiny from relatives. All operations are performed on internet-connected phones anywhere.

Flexible timing: Profiles meeting LightKredit’s conditions will be approved for loans by the system. There are no time constraints, even at midnight.

Dedicated support: Whenever customers have questions, they will receive support from the hotline to resolve them.

Quick disbursement: Immediately after approval, borrowers will receive money into their bank accounts on the same day.

No income verification: Online loan applications at LightKredit do not require this.

Characteristics of loans at Light Kredit:

Here are the detailed information related to online loans at LightKredit for customers to refer to and choose:

  • Loan limits: ₱ 140 – ₱ 41000
  • Loan term: 3 to 6 months
  • Annual interest rate as regulated: Not exceeding 24.12% per year
  • Transaction fee: Depending on the percentage of the loan limit
  • Extension fee: Depending on the agreement of the two parties as stated in the contract.

LightKredit offers multiple levels of loan limits to fully meet the needs of each customer group.

Loan eligibility criteria at Light Kredit:

To be eligible for suitable loan assistance at LightKredit, customers need to meet the following conditions:

  • Aged 20 or above and a citizen of the Philippines.
  • Stable monthly income of at least ₱189.
  • Possess a primary bank card to receive loan funds from LightKredit into the account.
  • Have valid identification documents with clear information.

Loan Process

Similar to other online lending apps, customers seeking financial assistance from LightKredit need to follow the steps below:

  • Step 1: Customers can download the app here.
  • Step 2: Choose the desired loan amount according to each level. There are various loan packages for you to choose from. Details will be clearly stated for each loan option.
  • Step 3: Verify the registered phone number with the partner by entering the phone number into the system. Then confirm it with the OTP code sent to that phone number. Step 4: Fill in the personal information requested by LightKredit. Also, take a photo of your valid identification document.
  • Step 5: Wait for the profile review by the staff. The process usually takes 3 minutes or more depending on the circumstances.
  • Step 6: Receive the loan amount into the registered bank account after the successful review of the profile.

Should You Borrow from LightKredit?

This is something that many people are concerned about when considering borrowing from LightKredit. On this matter, customers should thoroughly research before making a choice. Because while the app helps you quickly meet your needs, it does not guarantee future safety. The reason is that there is no obligation when borrowing, and only personal identification documents are required.

If you feel that LightKredit suits your needs, then you should not overlook it. This will certainly be the optimal choice in necessary situations for you.