Is Aprubado a lender?

No. Aprubado is a free loan-matching service. We connect you with SEC-licensed partner lenders who make all credit decisions, set the terms, and disburse the loan.

How much can I borrow through Aprubado?

Up to ₱25,000, depending on the SEC-licensed lender you are matched with and your profile.

Yes. Aprubado never charges borrowers. Our partner lenders pay us — you pay nothing to use the service.

Is my data safe with Aprubado?

Yes. Your details are shared only with matched SEC-licensed partner lenders, with your consent, under the Data Privacy Act of 2012 (RA 10173).

Matching takes minutes. If a partner lender approves you, they disburse to GCash, Maya, or your bank — often the same day.

How much does Aprubado cost to use?

Zero pesos. Aprubado is a libre comparison and matching tool — searching partner lenders, submitting one application, and getting matched are all free for borrowers. There is no sign-up fee, no matching fee, and no hidden service charge. Our income comes from a referral fee the SEC-licensed partner lender pays us once a match turns into a funded loan.

Then who charges the interest and fees?

The SEC-licensed partner lender that funds you. Each lender sets its own interest and any charges within the BSP ceilings, and it lays out every peso in the loan contract before you accept. The slider on this page is only an estimate to help you plan — your matched lender gives you the final, exact numbers.

Does using Aprubado make my loan more expensive?

It does not. The referral fee is settled between us and the lender out of the lender’s marketing spend — it is never added on top of your repayments. What you owe is decided solely by the partner lender and stays inside the limits of BSP MC 1133 s.2021.

What if I miss a due date?

Your repayment relationship is with the partner lender, not with us. A late fee may apply, but it is capped by BSP rules. We only forward applications to lenders that commit to SEC MC 18 s.2019 fair-collection standards — which require them not to call your contact list, post your data, or make threats.

Am I allowed to settle the loan early?

Usually yes, but the terms belong to your partner lender. Most let you pay ahead of schedule and charge interest only up to the day you clear the balance. Reach out to your lender to close it early through GCash, Maya, or a partner bank.

Why does the APR look so high?

APR is an annual figure, so on short micro-loans of 15 to 135 days it looks large on paper even when the real peso cost is modest. For instance, a ₱10,000 loan over 30 days runs around ₱2,400. The smarter habit is to weigh the actual peso amount, not just the APR — and your matched lender shows you both.

Can I check the cost before I apply?

Yes — drag the amount and term sliders above to preview an estimated total payable and cost of credit. Treat these as a planning guide; the precise figures are locked in by the SEC-licensed partner lender inside the loan agreement, before any signature.

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Libre for borrowers — preview your loan cost before applying

Aprubado is a free comparison and matching service, so you never pay us a single peso. The actual loan is priced by whichever SEC-licensed partner lender you get matched with. Move the sliders below to estimate the cost of credit for your chosen amount and term — then your matched lender locks in the exact pricing and spells out every peso in the loan agreement before you sign anything.

Reviewed by Aprubado editorial team

Last updated 2026-06-20

Loan amount₱10,000

₱2,000₱25,000

Loan term60 days

Amount you asked for

₱10,000

Indicative — lender sets the final amount

Days to repay

60 days

Time until due

Est. monthly EIR

~24%

Effective interest per month

Est. cost of credit

₱4,800

48% of the amount (BSP ceiling: 100%)

Estimated total payable

₱14,800

See my options →

For illustration only. Borrowers pay Aprubado nothing. The real interest and any charges are decided and disclosed by your matched SEC-licensed partner lender inside the loan agreement, before you sign. All figures stay within the ceilings of BSP MC 1133 s.2021 (6% nominal monthly interest, 15% effective monthly interest rate, and a 100% cap on total cost of credit) and follow the SEC MC 19 s.2019 disclosure rules.

Libre para sa iyo — funded by lenders, not by you

Everything Aprubado does for a borrower is free of charge. The only money we make is a referral or marketing fee that the SEC-licensed partner lender pays us after a match becomes a funded loan. None of the steps below will ever cost you anything:

✓

Starting an application

Libre. Applying and getting matched carries no fee.

✓

Getting matched

Libre. We line you up with one or more partner lenders at zero cost to you.

✓

Credit checks

Libre. The assessment costs you nothing whether you are approved or turned down.

✓

Comparing your options

Libre. Review the estimated costs across the panel before deciding.

✓

Talking to support

Libre. Email and chat with the Aprubado team come included.

✓

A second match

Libre. Declined by one lender? We can forward you to another partner.

✓

Asking for statements

Libre from us. Your actual loan statements are issued by your matched lender.

✓

Changing your mind

Libre to request a fresh match any time before you sign a loan agreement.

Will our referral fee push up what you repay?

Never. When a partner lender pays Aprubado a referral fee, that money is drawn from the lender's marketing budget — it is not tacked onto your loan. Your cost of credit is fixed by the lender itself and held inside BSP limits: a 6% cap on nominal monthly interest, 15% on the effective monthly interest rate, and 100% of principal on total cost of credit for qualifying loans. Any late-payment penalty is likewise bounded by BSP rules and disclosed up front by your lender. Since our earnings come from lenders and not from you, we gain nothing by obscuring the price — your matched lender puts every peso in writing before you sign.

Handa nang mag-match — libre, with the numbers up front?

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Aprubado is a free, independent matching service — it is not a lender and does not fund, approve, or collect loans. Estimated pricing shown here is published in line with SEC MC 19 s.2019. Questions? Reach us at general@virixlabs.com. Last updated 2026-07-18.