Zaimoo review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Zaimoo is a broker for Philippine borrowers with poor credit who need a small personal or payday loan quickly. Rates of 11.9% to 365% and terms of 2 to 60 suit borrowers who can absorb a wide price range. Money usually reaches a bank card or e-wallet almost instantly.

Key facts

Best for
Philippine citizens with poor credit who need a small loan in a card or e-wallet.
APR
11.9% to 365% (Source, checked September 26, 2026)
Loan amount
₱10,000 to ₱50,000 (Source, checked September 26, 2026)
Term
2 to 60 months (Source, checked September 26, 2026)
Funding time
Almost instant to bank card or e-wallet; up to 3 days to a bank account (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Philippine citizenship; age usually 20-65; ID, mobile phone and a bank card, bank account or e-wallet (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Densure LLC (Source, checked September 26, 2026)
Headquarters
Armenia (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
zaimoo.ph

Pros and cons

Pros

  • Rates of 11.9% to 365% reach both cheap and very costly borrowers on the same offer
  • Terms of 2 to 60 let a small personal loan be cleared fast or spread longer
  • Same-day funding to a card or e-wallet is listed among its features (same day funding)
  • Poor credit is enough, and eligibility rests on Philippine citizenship plus ID and a mobile phone

Cons

  • The upper end of 11.9% to 365% makes it a costly place to sit if repayments slip
  • Support runs on email only, so email is the sole route to help
  • A revolving credit line is not among its loan types (personal and payday), so borrowing is one-off
Zaimoo

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Scored 8.5 / 10 by BorrowCue.

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Who it suits

  • Philippine citizens with poor credit who want a payday loan paid into a card or e-wallet
  • Borrowers who can clear 2 to 60 of repayments on a small personal loan
  • Anyone comfortable with a rate drawn from 11.9% to 365% and a broker-led application

Who should look elsewhere

  • Anyone wanting a lower rate, since Cashspace lists PHP 12 to PHP 36 and Monzo Flex 10% to 23%
  • People who need to talk to someone, since support runs on email only
  • Borrowers needing more than PHP 10,000 to PHP 50,000 or a revolving credit line

How Zaimoo compares

Where Zaimoo is available

Available
Philippines

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on a Zaimoo loan?+

Zaimoo quotes rates of 11.9% to 365%, so what you pay depends on your own profile. The cheap end suits borrowers who keep up, while the upper end of that range is punishing if repayments slip. Check the figure against cheaper rivals before you commit.

How much can I borrow and for how long?+

Loans run PHP 10,000 to PHP 50,000 and can be repaid over 2 to 60. That spread lets you take a small sum and clear it quickly, or spread a bigger one across a longer term. Terms are set before you sign, so check the monthly cost against your income.

How fast does the money arrive?+

Funding is almost instant to a bank card or e-wallet, and same day funding is listed among its features. Paying out to a bank account takes longer, so the card and e-wallet routes suit an urgent bill.

What credit do I need to apply?+

The credit standard is poor, so thin files are the target. Eligibility rests on Philippine citizenship, a minimum age, ID, a mobile phone, and a bank card, bank account or e-wallet.

Is Zaimoo a lender or a broker?+

Zaimoo is a broker, listed as broker, so an application goes to a partner rather than Zaimoo itself. It offers personal and payday loans (personal and payday), which suits borrowers who care more about access than the lender's name.

What kinds of loan does Zaimoo offer?+

Two types are listed (personal and payday): personal loans and payday loans. Personal borrowing gives a longer repayment runway, while payday borrowing suits a shortfall between paydays. Both draw on the same rate range of 11.9% to 365%.

How do I get help after applying?+

Support runs on email only, so email is the single channel for questions once you have applied. There is no phone line or chat listed. Worth knowing before you sign up if you expect to call about a decision.

Sources

  • zaimoo.ph checked September 26, 2026

    Backs: Loan amount, APR, Features, Headquarters, Legal entity, Loan types, Support channels, Term

    “10 000 ₱ From 0,01% a day ... Personal loan 25 000 ₱ From 0,1% a day ... For long term 50 000 ₱ From 16,7% a day”

  • zaimoo.ph/how-to-apply-for-a-microloan-loan-conditions-an... checked September 26, 2026

    Backs: Credit needed, Eligibility, Funding time

    “MFIs approve loans for pensioners, students, freelancers and those who cannot boast of an ideal credit history.”

  • zaimoo.ph/privacy-policy checked September 26, 2026

    Backs: Lender type

    “It operates as an aggregator of financial offers from various credit organizations that possess all necessary licenses and certificates.”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Representative example.

Zaimoo

Zaimoo

Philippine citizens with poor credit who need a small loan in a card or e-wallet.

8.5/10Visit

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