FT Lending Review: Loan, Interest

Are you looking for a fast and convenient loan with minimal requirements and no collateral? Then maybe this lending app suits your needs. Filipinos often prefer the simplest transactions and fast approval when it comes to loans, as many of us urgently need extra cash. FT Lending App is one of the online lending apps offering no-collateral loans for Filipinos. Most OLAs with no-collateral loans have high interest rates, as lending money to unknown borrowers is considered risky. Approval still depends on the company’s screening results through profiling and assessing whether the borrower is capable of repaying the requested amount. After assessment, if approved, the credit limits may differ for each user. This credit limit is a revolving credit—like Maya Credit, GCredit, Mabilis Cash Credit, Billease, Spaylater and Revi Credit—where you can reuse the available credit after repayment, even if you have pending installments.

If you're willing to know more about this lending app, just keep reading to enlighten yourself before applying.

Interest and Deduction

FT Lending has been enhanced to offer revolving credit, unlike before when they added additional charges and interest, deducting these fees before releasing your proceeds—leaving you with a reduced cash amount. This year, they followed Mabilis Cash in transforming their credit limit into revolving credit. However, their interest rates may strain your finances, based on information provided by one of the app’s users. When she borrowed a portion of her credit limit amounting to ₱1,000 on June 16, 2025, her installment amount every 15 days was ₱680. For one month, she had to repay ₱1,360, meaning the loan incurred a 36% interest rate. This rate is still quite high and may be difficult to manage over time. She mentioned that the ₱1,000 she borrowed had no deductions when it was credited to her GCash account. Additionally, as mentioned earlier, the credit limit is revolving, and she was able to take three different installments from her credit limit.

Maximum Loanable amount and time of loan disbursement in FT Lending App

According to their website, users with good credit standing can able to loan up to ₱30,000. Which you can receive this amount for just a second or up to 24 hours maximum processing time directly to your registered E-Wallets or Bank account.

About the FT Lending App

FT Lending App is a legal online lending application operating in the Philippines. It is managed and operated by FT Lending Master Philippines Corporation, with Securities and Exchange Commission (SEC) Registration Number CS201910863 and Certificate of Authority Number 3025. The company secured its SEC registration on July 4, 2019, according to the list of lending companies inthe Philippines by SEC Website.

The company is also registered with the Anti-Money Laundering Council under Registration Number 68142500000 , which may expire on June 14, 2026. According to public data from the SEC, the company is located at Unit 18-A, 18th Floor, Trafalgar Plaza, 105 H.V. Dela Costa, Fourth District, National Capital Region (NCR), 1209.

FT Lending is continuously enhancing its services to better serve Filipinos in need of emergency cash. By simply providing your basic information, ID, mobile number, and a selfie, you can receive your cash directly in your bank or e-wallet as needed. However, we still hope they consider lowering their interest rates to support Filipinos facing financial challenges.

If you willing to apply your next emergency loan just download FT Lending App or visit ftlending.ph .

For your concerns you can reach them through cs@ftlending.ph or call (02)8540-2205

Other related Articles:

•How to increase your Maya easy credit?

•The best way to convert Ggives into Cash

•Maya Business Loan Review

Comments

Trends this week

What are the differences between GLoan, GGives, and GCredit?

GCash is the number one E-Wallet in the Philippines, making it the most useful application of all time with almost 81 million active users as of May 2023. It is like a huge supermarket that has been compressed and put into your phone. They have several partnerships with physical stores, insurance companies, online stores, SMEs, corporations, freelancers, casinos registered with PAGCOR, and financial institutions like lending companies and crypto investments. However, not all of its million active users fully utilize the power of this super app. In this article, I will be telling you about one of the most useful and helpful features of the GCash App: the Borrow features. If you have already read the article titled “ Which is better, GCash (GLoan) or Billease? ”, I have already explained the factors that determine your eligibility for the Borrow features of GCash. Here, I will be explaining the differences between the three icons within the Borrow icon and what are the se...

Sloan and SPayLater Users Review and Guide

Sloan and Spaylater are both Financial services provided by Shopee Philippines for their selected users. These financial features offer buy-now-pay-later and cash loans so that users can enjoy their shopping experience in the app. SeaMoney (Credit) Finance Philippines Inc. is the financing company of Sloan and SPayLater in the Philippines, which is part of the Sea Group - operating seven markets in Southeast Asia, including Taiwan. It was registered as a finance and credit provider in the Security Exchange Commission on August 4, 2020, with registration number CS202005382. In part of their mission to better the lives of individuals and Businesses in Southeast Asia through technology, SeaMoney serves the financial needs of Filipinos through SeaMoney (Credit) Finance Philippines Inc. and SeaBank . What is Sloan? Sloan is a cash loan offered by Shopee Philippines, in which users can borrow money with the approved credit limits on the platform. Sloan is limited only to the selective users ...

How to Convert TikTok Paylater to Cash Guide and Review

TikTok users who already have activated the TikTok PayLater offered by the TikTok shop to their loyal customers are wishing to convert the offer into cash, as they are more prepared to spend the money on other daily needs or bill payments. However, TikTok just came on to the purpose of the financier as “buy now pay later” for the products that users prepared to check out. All e-commerce offered Buy Now Pay Later options are naturally not convertible to cash, though users are still looking anyways to make the credit limit more useful and viable. Like GGives , Spaylater , and Lazada PayLater, all of the offer limits are spendable to purchase goods and services within the e-commerce shops and partners. Though Spaylater has an option to convert your limits without risks and additional service fees, we have no guarantee when the last time it will work to become convertible as before. GGives is easily convertible into cash using Shopee Shop through canceling the checkout. But when Sho...

Converting Spaylater to Cash through Maya Business is not working

Screenshot of Spaylater| Spaylater Users who tried to utilize their credit can not convert offer into cash started on the last quarter of 2025 Shopee's SPayLater is a "spend now, pay later" option available across Southeast Asia. It provides convenience and affordability for Shopee users, allowing them to buy things as easily as one click, even if they have limited cash. As users are keen to utilize this credit for various purposes, they are looking for ways to convert their SPayLater Credit into cash. Previously, we published an article about converting SPayLater to cash through Maya Business . However, as of the last quarter of 2025, this conversion method via QR Ph in Maya Business is no longer accepted. Some SPayLater users who attempted to convert credit to Maya Business have experienced this i...

Your Guide to Change Mobile Number in Diskartech App

When my mobile number was lost and became deactivated, I wasn't able to transact anything in the Diskartech app. It was always asking for a one-time password as the key to proceed with any transactions. To solve my problem, since the Diskatech Application has no tab for changing mobile numbers, I have no option but to contact their customer service email address. Yes, you heard it right; once you have a problem with your account, always contact customer support through the email address or phone. When I was trying to recover my account by changing my mobile number, it took days to resolve. Since I am a busy person, I can not reply to the email immediately. I'm going to share with you guys my experience of changing Mobile Number in the Diskartech App. Disclaimer: I will not specify all things here since the content of the email was not authorized to be reproduced nor shared with anybody prohibited by the RCBC. Rizal Commercial Banking Corporation (RCBC) is the bank behind the D...

2 Ways to Cash Out Spaylater Credit Limit

Spaylater is the buy-now-pay-later payment option offered by shopee to their selected users. This feature is available exclusively in shops to help users enjoy the shopping experience without worries. More of the users are prepared to cash out credit limits like Sloan. They are more likely to use money for personal and daily needs. Sloan is offered by shopee app once users continuously use Spaylater with good payment history but exceptional to those users with a high credit reputation and history to other financial institutions such as banks, CIC, e-wallets, and other lending companies. However, like Sloan, Spaylater can eventually use it as a payment method outside the application via QR code payment. Just finish this article for you to enlighten more. If you are a new user of Spaylater, this option is temporarily unavailable. Enjoy using spaylater instead and wait to activate the more features that you can enjoy of using spaylater. Here are the following steps on how you can tra...

Philippines Agriculture and Fisheries Sector Shows Strong Growth in Q1 2025

The Philippine Statistics Authority (PSA) has released its latest report on the Volume of Production of Agriculture and Fisheries for the first quarter of 2025, revealing notable trends across key sectors. The data highlights a 7.4% increase in crops production, a 9.3% rise in poultry output, and a 1.5% growth in fisheries compared to the same period in 2024. These figures underscore the resilience and evolving dynamics of the country’s agri-fishery industry. Crops Production: Sugarcane and Tobacco Lead Expansion The total volume of crops production reached 26.94 million metric tons, marking a 7.4% year-on-year increase. Sugarcane emerged as the top performer, with output surging by 19% to 12.10 million metric tons, accounting for nearly 45% of total crops production. Tobacco also saw an extraordinary 80.4% growth, though its overall volume remained modest at 20.49 thousand metric tons. Other gainers included cacao (up 23.6%) and rubber (up 13.6%), signaling dive...

The Best Way to Convert GGives into Cash 2025

In this article, I will share the most cost-effective method for converting GGives into cash. As Shopee no longer accepts GGives, finding alternative ways to encash them has become essential. While some vloggers discuss trading as an option, it can be risky when dealing with money transactions. However, there is a legitimate method on how convert GGives to cash using the GCash app. Follow these simple steps: 1. Login to Your Konek2Card Account: Navigate to the “Client Initiated Payment” tab to copy your CIF number. 2. Access Your GCash Account: In the GCash app, go to the “Biller” section and select “Card Bank Inc.” 3. Input Details: Enter the amount you want to transfer, along with your CIF number and other necessary information. 4. Pay Using GGives: Complete the transaction by using your GGives. By following these steps, you’ll effectively transfer your GGives just like an Instapay. The cash will be credited to your Card Bank Account and can be withdrawn through ATMs, ban...

Philippines Reclaims Global Rank as World’s No. 2 Banana Exporter

AI Generated Image | The Philippines Regained spot as 2nd top exporter of Banana The Philippines has officially re-established itself as the world’s second-largest banana exporter following a dominant performance in 2025. According to preliminary data from the Food and Agriculture Organization, the country’s export volume surged by 26 percent year on year to reach 2.925 million metric tons. This significant rebound allowed the Philippines to overtake Colombia and distance itself from competitors like Costa Rica and Guatemala, reclaiming a global ranking it had not held since 2020. The recovery marks a definitive end to a four-year slump between 2021 and 2024 when the industry was hampered by severe weather patterns and persistent pest infestations. These challenges previously disrupted both farm output and int...

A Step-by-Step Guide to Pag-IBIG Online Membership Registration in 2025

Registering as a Pag-IBIG Fund member has never been easier, thanks to its convenient online process. Whether you're using a smartphone, laptop, or tablet, you can complete your membership registration in just a few simple steps. Here’s everything you need to know to sign up through Virtual Pag-IBIG . Accessing the Pag-IBIG Online Registration Portal There are three ways to begin your registration: 1. Via the Official Pag-IBIG Fund Website Visit the https://www.pagibigfund.gov.ph/ . Hover over the E-Services tab and select Membership Registration . You will be redirected to the Online Membership Registration page. 2. Through Virtual Pag-IBIG - Go to the https://www.virtualpagibig.pagibigfund.gov.ph/ . - Click " Be a Member ", then select Continue to proceed. 3. Direct Link - You may also go straight to the registration page at: https://www.pagibigfundservices.com/PubReg/Ne...

Search This Blog