• Easy to apply
  • Approval time
  • No hidden condition
  • Renewal rules
  • Service quality
  • Customer support
Contact information
Phone number: 09065772491
8:00 - 19:00, Mon - Sat

Zippeso stands out as a credible and efficient loan application within the Philippines, dedicated to providing online loan services. This application is tailored to assist individuals in navigating beyond the confines of conventional banking procedures, thereby simplifying the overall experience of obtaining cash loans. Available as a mobile application, Zippeso can be accessed on both iOS and Android devices, offering an inclusive platform for Filipinos. The app facilitates loans that range from PHP 2,000 to PHP 20,000, applying a uniform interest rate of 20%.


Known for its quick and user-friendly financial offerings, Zippeso places a strong focus on the safety and confidentiality of user data, ensuring a secure lending experience. The application caters specifically to Filipino citizens who are between the ages of 18 and 60, and it requires applicants to have a consistent source of income to qualify for a loan. In terms of repayment, Zippeso offers flexible loan durations, extending from a minimum period of 91 days up to a maximum of one year (365 days). Furthermore, Zippeso maintains a cap on its Annual Percentage Rate (APR), setting it at a maximum of 20%, reflecting its commitment to providing reasonable and accessible financial services.

Loan parameters
  • Loan amount
    2.000-20.000 PHP
  • Interest rate
    Max APR is 20%
  • Term
    91 - 365 days
  • Service fee
    0.1% to 0.35%

Is Zippeso legit?

Zippeso stands as a credible and officially recognized loan application in the Philippines. It specializes in offering loans via online platforms, streamlining the borrowing process significantly compared to traditional banking methods. This app, accessible on both iOS and Android devices, presents well-defined loan terms and interest rates, ensuring transparency and ease of understanding for its users. A key element of Zippeso’s operations is its strong commitment to the safety and confidentiality of user data, a crucial factor for any authentic financial service provider.

Further establishing its authenticity, Zippeso is registered with the Securities and Exchange Commission (SEC).

COMPANY NAME Treasure Bowl Fintech Lending Corp
C.A. NO. 3101

This registration is a testament to Zippeso’s dedication to legitimacy and earning the trust of its customers. Moreover, Zippeso prioritizes the protection of its customers’ data privacy, ensuring that personal information remains secure, thereby providing a sense of security and peace of mind to its users when borrowing money.

In comparison to traditional banking services, Zippeso offers more favorable terms including lower interest rates, higher borrowing limits, and more accommodating lending conditions. The application process with Zippeso is noted for its simplicity and efficiency, leading to quicker disbursement of funds and a more user-friendly experience. This approach allows borrowers to access loans swiftly and conveniently, making Zippeso a notable choice for those seeking financial assistance in the Philippines.

How to Loan in Zippeso

Securing a loan via Zippeso in the Philippines is a user-friendly process, involving several key steps:

  1. Acquiring the Zippeso Application: Initiate by downloading the Zippeso app, available on the Google Play Store for Android users and the Apple App Store for those with iOS devices.
  2. Account Registration: Install the app and proceed to create your account. This step requires your mobile number for registration.
  3. Entering Personal Data: Input essential personal information such as your name, email address, and set up a secure password for your account.
  4. Furnishing Detailed Information: The application will require more detailed data, including your residential address, date of birth, current occupation, and an estimate of your monthly income.
  1. Verifying Your Identity: An important aspect of the process is identity verification. Upload a clear photo of your government-issued ID, taking care to obscure some digits for security purposes. Additionally, a selfie is required for facial recognition verification.
  2. Loan Application Procedure: With the preliminary steps completed, navigate to the loan application section. Click on “Apply Now” or “Borrow” to select the loan amount and terms that suit your needs. During this phase, you will also have the opportunity to review the applicable interest rates and loan terms.
  3. Evaluation and Fund Disbursement: Upon submitting your application, Zippeso will evaluate your request. If approved, the loan amount will be electronically transferred to the bank account you have linked with the app.

This streamlined approach by Zippeso greatly simplifies the process of acquiring online loans in the Philippines, making it a convenient option for those in need of financial assistance.

Eligibility Criteria of Zippeso

For those seeking a loan via Zippeso in the Philippines, the following eligibility conditions must be fulfilled:

  • Residential Status: The applicant needs to be a resident of the Philippines.
  • Age Requirement: Eligible applicants should be within the age bracket of 16 to 60 years.
  • Identification: It is compulsory for applicants to possess at least one form of government-issued identification.
  • Bank Account Necessity: Applicants must have an active personal bank account.
  • Proof of Income: Demonstrating a consistent source of income is crucial for eligibility.

Adherence to these criteria is critical for the approval of a loan application with Zippeso.

How to pay Zippeso loan

Zippeso offers a versatile array of disbursement channels to accommodate various preferences, ensuring convenience for its users:

  • Banks: Zippeso supports disbursement to a wide range of banks in the Philippines, including but not limited to BDO, BPI, Unionbank, and Security Bank. This extensive banking network means that almost all major banks are covered, allowing for easy and direct transfer of funds to borrowers’ bank accounts.
  • E-Wallets: For those who prefer digital transactions, Zippeso includes options like GCash, Paymaya, and Grabpay. These popular e-wallets offer an efficient and secure way to receive funds electronically.
  • Over-The-Counter (OTC) Channels: Zippeso also caters to those who may not use bank accounts or e-wallets by providing disbursement through various OTC channels. These include MLhuillier, RD Pawnshop, 7-Eleven, and Cebuana. This option is particularly useful for borrowers who wish to receive cash directly.

This diverse range of disbursement channels reflects Zippeso’s commitment to catering to a broad spectrum of user needs and preferences, ensuring that the loan proceeds are accessible through the most convenient means possible for each borrower.

Borrower requirements
  • Coming of age 18+
  • Issued Filipino ID card
  • Have a stable source of income
  • Valid mobile phone number
How to pay a loan
  • In personal account
  • On site online
  • In the office
  • By bank transfer

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Your comment

Lily Mercado
10 May 2024
This is not the first time I have used this service and I am always satisfied. Registration online takes only a few minutes, money arrives quickly.
Linnie Herman
Linnie Herman
Thank you very much for your prompt help. Thanks to the online loan, I was able to solve the financial problem without unnecessary complications.
Yitzchak Scott
Yitzchak Scott
I am always satisfied with the service when taking a loan online, the operators tell everything in detail and clearly!
Karla Rodriguez
Karla Rodriguez
Wide range of loans. Simple application process. I really get everything very quickly, the main thing is to have an ID and a phone with me
Yuki Jackson
Yuki Jackson
Large selection of loan offers. Simple application process, fast crediting to the account. It suits me and I advise you
Natalia Hughes
Natalia Hughes
When you can’t invest in the budget, or when some unforeseen situations happen, then an online loan is simply unrealistic to save
Reinhold Becker
Reinhold Becker
Urgently needed money for a gift for a girl. Got to this site. Lots of options to choose from is a big plus. Easy to apply and get paid quickly. I will recommend it to my friends.
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