Fidoph

Fidoph Philippines, also known as Fidoph or Fido PH, is an application that provides online loan services in the Philippines. It is operated by FIDOPH LENDING CORPORATION, a company with SEC Registration No. CS201825101 and Certificate of Authority No. 2832. This information also appears on the list of lending companies of the SEC Philippines.

Some Notable Features of the Fidoph App

• Registration and application submission are completed entirely online through a mobile phone.
• The loan amount can be up to ₱100,000 depending on the applicant’s profile.
• No collateral is required when applying.
• Loan disbursement is supported through a bank account, GCash, or Maya.
• Loan terms, interest rates, and costs are displayed for users to review before confirming.

App Interface and User Experience

The Fidoph interface is designed around key functions such as registration, login, application submission, and loan management. The steps are mainly completed on a mobile phone, so users do not have to switch between different application methods.

After creating an account, customers enter the required information, complete the verification process, and submit their application for the system to assess. Fidoph is available on both Android and iOS, making it easier for users to choose the version that suits their device.

Approval and Disbursement Time

Step 1: Complete the personal information and submit the loan application on Fidoph.

Step 2: The system receives and checks the applicant’s information.

Step 3: Eligible applications may receive an approval result in as fast as around 3 minutes.

Step 4: After the loan is approved and confirmed, Fidoph proceeds with the disbursement process.

Step 5: The money is transferred to a bank account, GCash, or Maya. The actual time to receive the funds may vary depending on the disbursement method.

Example of a Fidoph PH Loan

Suppose a customer is approved by Fidoph for a loan of ₱10,000, with a term of 90 days and an assumed interest rate of 6% per month.

Using a simple calculation for 3 months:

Interest: ₱10,000 × 6% × 3 = ₱1,800

Total amount to be repaid: ₱10,000 + ₱1,800 = ₱11,800

Therefore, if there are no additional fees, the customer will repay a total of ₱11,800.

The example above is for illustration purposes only and does not represent a loan offer or a fixed interest rate of Fidoph. Google Play currently states a maximum monthly EIR of 12% and a maximum APR of 144% for the product described on the app.

User Information Privacy Policy

Fidoph collects certain data to verify identity and process applications, including personal information, contact information, location, and device data.

According to the information disclosed on Google Play, data is encrypted in transit, and users can request data deletion. On the App Store, the developer also discloses the types of data that the app may collect or process. Users should read the privacy policy and only provide information through the official Fidoph app.

Things to Check Before Using the App

Before confirming a loan, users should check the actual amount received, interest rate, APR/EIR, service fees, loan term, payment date, and late payment fees.Users should not rely only on the loan limit or approval speed. The most important thing is to determine the total amount to be repaid and choose a loan that matches their financial capacity.

Fidoph Philippines is an online lending platform operated by FIDOPH LENDING CORPORATION, with SEC Registration No. CS201825101 and Certificate of Authority No. 2832. Fidoph focuses on a mobile-based application process, supports online approval, and provides disbursement through bank accounts or e-wallets. Wishing everyone success when applying for a loan through the app.

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