Zaimoo review

Updated September 29, 2026 · BorrowCue Editorial Team · Facts checked September 29, 2026

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Our verdict

Zaimoo suits adults in the Philippines seeking fast personal borrowing through a marketplace that funds Almost instantly. Its annual rate spans 11.9% to 365% on amounts to PHP 40,000 with terms of 7 to 180, so compare total cost carefully before applying.

Key facts

Best for
Fast marketplace personal loans with rapid payout
APR
11.9% to 365% (Source, checked September 29, 2026)
Loan amount
₱40,000 (Source, checked September 29, 2026)
Term
7 to 180 months (Source, checked September 29, 2026)
Credit check
None (Source, checked September 29, 2026)
Funding time
Almost instantly (Source, checked September 29, 2026)
Lender type
Marketplace (Source, checked September 29, 2026)
Eligibility
Philippine citizenship, age 20-65 (Source, checked September 29, 2026)
Loan types
Personal (Source, checked September 29, 2026)
Legal entity
Densure LLC (Source, checked September 29, 2026)
Headquarters
Armenia (Source, checked September 29, 2026)
Support channels
Email (Source, checked September 29, 2026)
Features
Same-day funding
Official website
zaimoo.ph

Pros and cons

Pros

  • Funding is Almost instantly, with same day funding support for urgent personal needs.
  • Credit check is none, which may appeal to applicants avoiding bureau inquiries.
  • Repayment terms are 7 to 180 on loan types personal.

Cons

  • Annual rates are 11.9% to 365%, so total cost can climb sharply on longer terms.
  • Support runs on email only, which limits help for urgent queries.
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Who it suits

  • Borrowers who value payout Almost instantly over Ibancar Prestamos with rates 12.74% to 13.01%.
  • Applicants comfortable with a marketplace marketplace rather than a direct lender relationship.
  • Borrowers seeking personal loans personal with flexible short or extended schedules.

Who should look elsewhere

  • Borrowers wanting phone help rather than Zaimoo, consider Mi Prestamo with rate 23% and broader service options.
  • Borrowers wanting card linked credit rather than a marketplace loan, consider AXI Card Tarjeta y Credito with rate 21.59%.

The company behind it

Densure LLC operates Zaimoo, with Densure LLC and base in Armenia. Borrowers contact the team through email, which keeps help limited to written queries. That structure suits comparison shoppers who prefer to arrange a personal loan online and keep records in written threads rather than calls.

How Zaimoo compares

Where Zaimoo is available

Available
Philippines

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

What annual rate applies to Zaimoo loans+

Rates are 11.9% to 365%. The spread is wide, so monthly cost depends heavily on the offer matched to applicants, and total repayment should be checked before acceptance of any personal loan agreement.

What amount and repayment period are available+

Amounts are PHP 40,000 with terms of 7 to 180. That combination covers modest short borrowing as well as extended schedules, so applicants should match amount and duration to budget and repayment capacity.

How quickly could funds arrive after approval+

Funding is described as Almost instantly. The service also lists same day funding among its features, which suits urgent needs, though actual timing can depend on the matched provider and payment processing.

Does Zaimoo run a credit check+

The credit check is listed as none. That approach may appeal to applicants concerned about bureau inquiries, though matched providers can still apply eligibility screens and income verification before funding.

Who is eligible to apply through Zaimoo+

Applicants are generally adults with Philippine citizenship and a minimum age requirement. Loans offered are personal, so the product suits general personal spending rather than earmarked mortgage or auto finance.

Is Zaimoo a direct lender or a marketplace+

Zaimoo operates as marketplace, not as a direct lender. That means applications are matched to third party providers, so pricing, approval criteria and servicing can vary by the assigned lending partner.

How can borrowers contact Zaimoo for help+

Support runs on email only. Written contact keeps a clear record of queries and replies, though resolution may take longer than chat or phone assistance for time sensitive borrowing questions.

Sources

  • zaimoo.ph checked September 29, 2026

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

    “maximum available amount of loan is up to 40 000 pesos”

  • zaimoo.ph/how-to-apply-for-a-microloan-loan-conditions-an... checked September 29, 2026

    Backs: Eligibility, Funding time, Term

    “Philippine citizenship Age usually 20 - 65 years”

  • zaimoo.ph/privacy-policy checked September 29, 2026

    Backs: Lender type

    “operates as an aggregator of financial offers”

Compiled from 3 source pages, checked September 29, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Representative example.

Related by the facts

Zaimoo

Zaimoo

Fast marketplace personal loans with rapid payout

8.3/10Visit

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