Valley Loan


Valley Loan is a user-friendly online loan platform that offers fast and convenient borrowing solutions. With a focus on customer satisfaction, it provides reliable financial assistance for various needs. The application process is quick and easy, making it an accessible option for individuals seeking timely financial support. Valley Loan aims to simplify the borrowing experience and provide a seamless solution for everyday expenses.
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Valley Loan – An online loan application designed to help customers in the Philippines effectively and safely address their financial issues. The application is user-friendly, suitable for multiple platforms, and caters to various customer demographics. Additionally, the Valley Loan App offers customers the ability to borrow money quickly within 15 minutes, allowing them to address urgent financial situations or fulfill their financial needs in a flexible and optimal manner.

Reasons to choose Valley Loan

  • The application provides low-interest loans, making it easy for customers to repay their loans.
  • The application does not impose any service fees and is completely free for customers.
  • Valley Loan has a simple and automated process, allowing customers to receive their borrowed money quickly, often within just 15 minutes.
  • It offers 24/7 customer support services, ready to assist customers anytime, anywhere, and nationwide.
  • The personal information of customers is securely protected, and no customer information is shared with any third party without the customer’s consent.
  • The application is compatible with various operating systems, user-friendly, and easy to use.
  • There are multiple favorable policies regarding interest rates and credit limits for customers who apply for online loans through Valley Loan.

The Valley Loan application is suitable for which customers?

Valley Loan is a short-term online loan app designed for daily expenses and household payments. It is not a suitable choice for individuals who require a large amount of money for purchasing a car, a house, or starting a business with significant capital.

The Valley Loan app is best suited for bill payments such as electricity, water, internet, as well as educational expenses and personal consumption.

Requirements for Loan Application

If you want to apply for an online loan at Valley Loan, you need to meet the following basic requirements:

  • Customers must have a Philippine national ID card.
  • Customers must have a bank account, any bank is acceptable.
  • Utilize a smartphone and provide a valid phone number for registration.
  • Customers must be between 18 and 60 years old to be eligible for a loan.
  • Stable employment and the ability to repay the borrowed amount.

These are the basic requirements, and we hope that you can meet them before applying for an online loan here.

Information about Online Loans at Valley Loan

The Valley Loan application offers a variety of loan options for customers to choose from, based on their financial needs. Here are the details:

  • Loan Amount: ₱ 2,000.00 – ₱ 20,000.00
  • Loan Term: 91 days – 365 days
  • Interest Rate: Maximum APR is 20%
  • Annual Transaction Fee: Free
  • Service Fee: 0.1% to 0.35%

Let’s take a cash loan as an example:

Suppose you choose a loan limit of ₱ 10,000.00 and a loan term of 120 days.

  • Total Interest to be Paid: 10,000.00 * 0.05% * 120 = ₱ 600.00
  • Total Service Fee: 10,000.00 * 0.3% = ₱ 30.00
  • Monthly Interest to be Paid: 10,000.00 * 0.05% * 30 = ₱ 150.00
  • Monthly Debt Payment (including principal and interest): 10,000.00 + 150.00 = ₱ 2,650.00
  • Total Amount to be Repaid: 10,000.00 + 600.00 + 30.00 = ₱ 10,630.00

Guide to the Online Loan Application Process at Valley Loan

Applying for an online loan through the application is not difficult. Just follow these steps:

Step 1: Download and Register an Account

  • Download the Valley Loan APK/IOS from
  • Register an account by entering the OTP code in the application

Step 2: Select the Loan Amount and Term on the application interface

Step 3: Fill in the personal information form and verify your identity, including:

  • Personal information: Full name, date of birth, address, email…
  • Images of both sides of your national ID card, portrait photo
  • Information about your employment, salary…

Step 4: Once your application is submitted, Valley Loan will review it and notify you of the result. If the loan is approved, the money will be disbursed to your account.

Note: The loan limit offered by Valley Loan will be based on the information you provide, so make sure to provide accurate and complete information.

Tips for a High Success Rate in Loan Application

If you want to successfully apply for a loan at Valley Loan and receive quick disbursement, you should follow these tips:

  • Provide your personal information accurately and completely.
  • For your first loan application in the app, choose a moderate loan limit, not excessively high.
  • Ensure that the information and images on your national ID card are clear, valid, and unaltered.
  • If you have images of your income statement, it greatly increases your chances of approval.
  • Ensure you have no outstanding credit or unpaid debts with other applications, achieving a 100% success rate.
  • Regularly update yourself with the app’s policies and terms and conditions.

Contact Information for Valley Loan

If you have any issues while using Valley Loan, you can contact the Customer Care department of the application for the best support. The specific details are as follows:

  • Company: Flash Cash 101 Lending Corp
  • Address: 2005 East Tower, Philippine Stock Exchange Center, Exchange Road, Ortigas Center, Pasig City, Metro Manila, Philippines.
  • Working Hours: From 8:00 AM to 8:00 PM, Monday to Sunday.
  • Email: [email protected]
  • Phone Number: +63 9602727190.

Valley Loan App is always ready to assist and answer any questions you may have. The Customer Care department of the application is professionally trained and dedicated, and the app is committed to providing the best experience for its customers.


Valley Loan is the top choice for those in need of quick and easy online loans. The application offers a simple process, low interest rates, and dedicated customer service. We believe that the Valley Loan app will help you meet your financial needs conveniently and reliably.

Download the Valley Loan App today and experience the convenience of online lending. We hope that the provided information has been helpful to everyone. Wishing you success and good luck.

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