Credit that shows you the whole cost first.
An Alwan Credit line you manage from your phone. Cash out to the e-wallet or bank account you choose, repay over 3, 6 or 12 months, and see every installment before you confirm.
The whole cost, on one line.
A finance charge of 3% to 4.5% a month, depending on your assessment. A 3% service fee on each cash-out, added to what you repay. No processing fee, and no fee for paying early. All charges on a cash-out are capped at 75% of the amount borrowed.
- Starting credit limit
- ₱3,000 to ₱10,000
- Subject to approval.
- Your limit can grow to
- ₱50,000
- With on-time payments, for eligible borrowers.
- First cash-out
- 0% finance charge
- For eligible new borrowers. The 3% service fee still applies.
- Late payment
- Up to 5% a month
- On the overdue installment only, after a short grace period.
Subject to approval. Your actual rate, limit and repayment amounts are shown before you accept.
Borrow, repay and keep track without the paperwork.
An Alwan Credit line
A limit based on what you can afford to repay. Cash out when you need to. Your available credit comes back as you repay.
Cash out when you need it
From PHP 100 up to your available credit, to the e-wallet or bank account you choose. You can have several cash-outs at once, each confirmed with your PIN.
A statement you can read
Each month: the installment due, your balance, and what it takes to pay everything off today.
Reminders before every due date
10 days and 3 days before, and on the day. Payment arrangements if you are having difficulty.
Your data stays private
We never contact your friends or family about your account.
Four steps, all in the app.
Sign-up, identity check and applications happen in the Alwan mobile app. This website is for reading your account.
Slide 1 of 4: Sign up and verify
Questions people ask first.
See all FAQs- What is Alwan?
- The online lending platform of a Philippine lending company. Alwan Credit is a credit line you manage in the Alwan app.
- How is my application decided?
- A person on our credit team makes the decision. A scoring model gives advice, never the final word.
- Will you contact my friends or family?
- No. Alwan does not access your contact list and never contacts your friends or family about your account.
Get the Alwan app.
Apply, cash out and repay, all from your phone.