Repaying My Loan

What if my due date falls on holidays?

We encourage you to make the payment in the morning of the last working day before your due date so the payment would arrive timely. If you are unable to do that, please contact our customer service - support@vamo.ph

Can I change my due date?

Unfortunately, we do not offer such option.

Can I make the payment earlier?

Yes, you can make the payment earlier anytime. Afterwards, please check your loan information in client account.

I encountered a problem during payment process

Please contact DragonPay customer service - support@dragonpay.ph. Or look for other details in the email you received from DragonPay.

I have not received an email with payment instructions from DragonPay.

Please contact DragonPay customer service - support@dragonpay.ph

When should I pay?

Your first loan has a fixed due date of 14 days. You can then decide - either to entirely repay the loan or pay minimum monthly payment. If you choose to pay only the minimum amount, your billing cycle is 30 days after your first due date.  If choosing to pay minimum payments, the following due dates will always be every 30 days

Example: your first due date is January 14, if you paid minimum amount your extension will be +30 days. Your next due date is on February 13. If you paid another extension on February 13, your next due date will be on March 14, etc.

If you paid the full amount on your first loan, your next loan will now have a billing cycle of 30 days. Succeeding requests/withdrawals will now be on 30 days fixed billing cycle.

How to validate my payment with DragonPay?

Please follow the instructions that were sent to your email from DragonPay.

Can I use my reference number twice?

You can use it only once. Please contact DragonPay customer service if you have encountered problem with reference number - support@dragonpay.ph

How soon is the payment processed?

If the payment process is successful, the payment will be processed within 1 hour. Please note that over-the-counter banking may have longer processing times.

How can I know my payment status?

If you payment will be successful, you will receive an email and SMS from us. Also, you will see your loan information updated in your account.

What if I am late with my payment?

You will be charged with additional interest and fee if you will pay later than your due date.

How much should I pay?

You will always receive an invoice on your due date with all the payment information. Alternatively, you can check payment information in your client account.

How should I make the payment?

Please login to your account, choose the payment type and method, complete the payment in your online banking or e-wallet, or follow the instructions that you received to your registered email.

What payment methods are supported?

We currently support online and over-the-counter banking from such banks as Asia United Bank, BDO, BPI, BPI Family Savings, Chinabank, Eastwest, Landbank, Metrobank, PNB, RCBC, RCBC MyWallet, RCBC Savings, Robinsons Bank, Security Bank, UCPB, Unionbank, Unionbank EON, Asia United Bank. Supported e-wallets are: GCash, GrabPay and PayMaya.

Taking Another Loan

Who can apply for another loan?

All Vamo registered customers can apply for another loan once their current loan has been paid back in full.

How to apply for another loan?

Repay your current loan in full and apply for the next loan in your client account.

How much can I borrow for my next loan?

You can borrow from PHP 1 000 to 30 000, however the final limit will always be reflected in your account.

Other Issues

I could not complete my registration due to a technical issue

Please contact Vamo customer service and inform about the technical issue.

I entered wrong bank details.

Please contact Vamo customer service and inform about this situation. Beforehand, please make sure to prepare correct payment details.

I don't receive emails or SMS.

Please contact Vamo customer service and inform about this situation.

Can I update my personal information?

You are only permitted to change your last name, phone number, email and address information in your client account.

Still no answer to your question? Contact us now using details below!

About the loan

Who can apply?

Filipino citizens
20-65 years of age
Living and working in the Philippines
With 1 valid ID

What information do I need to submit for registration?

1. ID information - we require the GSIS BP number, SSS membership number and your full name, and date of birth.

2. Communication information - phone and email.

3. Address information - your current and permanent address.

4. Employment information - what kind of work you do.

5. Financial information - what is your current income and expenses.

6. Contact references - phone number of a family member and your colleague/HR department/supervisor phone number.

7. Payout information - bank account or one of e-wallets - GCash, GrabPay, PayMaya.

8. Clear and readable photo of your physical ID document - can be either SSS, GSIS, TIN, Passport, Drivers License, Voter's ID, and PRC

9. Clear and appropriate SELFIE of you holding the physical card of your uploaded ID document.

How much can I borrow?

We offer between PHP1,000 upto 30,000 credit facility, depending on evaluation.

What is the term I can apply for?

Our credit facility is available from 12-24 months depending on your credit limit and outstanding balance remaining.

Your first loan cycle is 14 days. You can either pay the entire loan amount or if choosing minimum monthly payments, afterwhich you will be invoiced every 30 days (if you have an outstanding balance). Repeat loans are set to 30 days cycle.

How soon will I receive my loan after it has been approved?

For clients who opted for STANDARD PAYOUT, if you signed and accepted the contract before 12.30 PM during a banking day (Monday-Friday, excluding holidays), you will receive the loan the same day between 1pm-7pm. If your loan was approved after 12.30 PM, you will receive the loan the next working day (non-working days are Saturdays, Sundays and the Philippines national holidays). Clearing periods will depend on your chosen bank or e-wallet provider.

For clients who opted for FAST PAYOUT, your loan proceeds will be credited to you within 1 hour, provided that your chosen bank or e-wallet is active and no payment processing issue with your account.

Ready for your loan?

Loans from PHP 1000 to 30 000 with a tailored offer just for you!

Need help?

Write to us: support@vamo.ph


Globe Telecom: +63 917-706-9834
Smart Telecom: +63 947-896-4568

Monday - Friday: 09:00 - 18:00