Valley Loan Review: How does Valley Loan work?

Valley Loan Review: How does Valley Loan work? A mobile lending app called Valley Loan provides Filipinos with quick loans. On both iOS and Android devices, the app is accessible.

Borrowers must register for an account and submit some basic information, including their name, email address, and mobile number, in order to apply for a loan.

After an application has been submitted, Valley Loan will review it and respond within a short period of time. If accepted, the borrower will receive the money in their bank account right away.

How does Valley Loan work?

Valley Loan evaluates borrowers’ creditworthiness using a unique algorithm. This algorithm considers the borrower’s income, employment history, and credit score, among other things. After receiving loan approval, a borrower can take out up to PHP 10,000. The loan has a 30-day term and a 20% interest rate. Borrowers are not penalized for repaying loans early.

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Valley Loan reviews

From borrowers, Valley Loan has gotten a variety of reviews. The app has received praise from some borrowers for its speedy approval and convenient funding. Others have criticized Valley Loan’s debt collectors for their harsh collection practices and high interest rates.

Pros and cons of Valley Loan


  • Quick approval process
  • Convenient funding
  • No credit check required
  • Flexible repayment terms
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  • High interest rates
  • Aggressive collection tactics
  • Can be difficult to get out of a loan

Alternatives to Valley Loan

There are a number of alternatives to Valley Loan available to Filipinos. Some of these alternatives include:

  • MoneyMax
  • Cashalo
  • LoanUp
  • EasyPaisa

Valley Loan FAQs

  1. What is the interest rate for Valley Loan?

The interest rate for Valley Loan is 20%.

  1. What is the repayment term for Valley Loan?

The repayment term for Valley Loan is 30 days.

  1. Can I get a loan from Valley Loan if I have bad credit?

No, Valley Loan does not require a credit check.

  1. How can I get out of a Valley Loan loan?
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You can get out of a Valley Loan loan by paying it back in full. You can also try to negotiate with Valley Loan to lower the interest rate or repayment term.

  1. What are the risks of borrowing from Valley Loan?

The risks of borrowing from Valley Loan include high interest rates, aggressive collection tactics, and difficulty getting out of a loan.

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