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 value. 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

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