ENFIL

Sweldo Plus

5.0 (1 reviews) · 44
Minimum amount₱500
Maximum amount₱25,000
Loan termFrom 30 to 120 days
Interest rateFrom 10% - 24%/year
DisbursementFrom 15 to 25 minutes
RequirementsFilipino citizen; 18 years old or above, ID
Sweldo Plus
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Detailed information

Financing Type
Installment Loan
Minimum Age
18 years old and above
Minimum Income
Applicant must have a stable source of income
Mobile Number Requirement
Valid Philippine mobile number
Bank Account or E-Wallet
Required (Bank account or E-wallet)
Needed Documents
Valid government-issued ID
Initial Loan Amount
₱3,000
Available Loan Offers
Special interest rate offer for new customers
Approval Time
Subject to credit assessment
Processing Fee
Applicable service fees, if any, will be disclosed before loan confirmation
Late Payment Charge
Applicable late payment fees, if any, will be disclosed before loan confirmation
Loan Amount Range
From ₱500 - ₱25,000
Interest rate for month 08/2026
10.14%/year·0.85%/month

Detailed review

Sweldo Plus is a digital lending application developed and operated by Lumina Digital Solutions Inc. It provides installment loan services in the Philippines with loan terms and conditions that are clearly disclosed and transparent. Through the app, users can submit loan applications, review loan details, and manage repayments online without visiting a physical branch.

Key Features of the Sweldo Plus App

  • Quickly record income and expenses.
  • Track spending trends on a daily, weekly, and monthly basis.
  • View financial summaries and easy-to-understand reports.
  • Set up and manage budgets for more effective financial planning.
  • Simple and user-friendly interface designed for everyday personal finance management.

How to Register and Use the App

The registration process on Sweldo Plus is designed to be simple and can be completed entirely on a mobile phone.

Step 1: Download and install the SweldoPlus App on your mobile device.

Step 2: Register an account using your personal mobile number and verify it with the OTP (One-Time Password) sent via SMS.

Step 3: Provide the required information, including your personal details and bank account information, for the credit assessment process.

Step 4: Submit your application for review. If approved, the loan amount will be disbursed to your registered bank account.

Before confirming a loan, users are advised to carefully review the loan terms, interest rates, repayment period, applicable fees (if any), and repayment obligations to ensure that the loan is suitable for their financial situation.

Important Notes When Using SweldoPlus

SweldoPlus App is an online platform that facilitates digital loan applications. Loan approval, credit limits, interest rates, and any applicable fees are subject to the credit assessment results and will be disclosed before the user confirms the loan.

To avoid unnecessary charges, users should make repayments on or before the due date according to the agreed repayment schedule. Late payments may result in late payment fees and may affect the user’s credit history, where applicable. Users are encouraged to borrow only when necessary and after carefully evaluating their repayment capacity.

See more: Gaan Puhunan

Monthly Interest Rate Comparison: Sweldo Plus vs. Other Loan Apps
Sweldo Plus has a monthly interest rate of 0.85% — Lower than the market average (1.76%).
Mopeso0.79%
Sweldo Plus0.85%
PJF Loan0.87%
Market Average1.76%
Market Interest Rate
0.85%
0.34% · Low1.76% · Average5.4% · High
Loan Cost Breakdown
A loan of ₱42,500 over 6 months with a monthly interest rate of 0.85% (declining balance).
T1
T2
T3
T4
T5
T6
Principal (₱7,083/month) Interest (Declining Balance) Total Repayment: ₱43,764
Sweldo Plus Loan Statistics — 14 days
4 3 2 1 0 21/07 · Loans: 0 22/07 · Loans: 0 23/07 · Loans: 0 24/07 · Loans: 0 25/07 · Loans: 0 26/07 · Loans: 0 27/07 · Loans: 0 28/07 · Loans: 0 29/07 · Loans: 0 30/07 · Loans: 0 31/07 · Loans: 0 01/08 · Loans: 0 02/08 · Loans: 1 03/08 · Loans: 0 21/07 · Approved: 0 22/07 · Approved: 0 23/07 · Approved: 0 24/07 · Approved: 0 25/07 · Approved: 0 26/07 · Approved: 0 27/07 · Approved: 0 28/07 · Approved: 0 29/07 · Approved: 0 30/07 · Approved: 0 31/07 · Approved: 0 01/08 · Approved: 0 02/08 · Approved: 0 03/08 · Approved: 0 21/07 · Pending: 0 22/07 · Pending: 0 23/07 · Pending: 0 24/07 · Pending: 0 25/07 · Pending: 0 26/07 · Pending: 0 27/07 · Pending: 0 28/07 · Pending: 0 29/07 · Pending: 0 30/07 · Pending: 0 31/07 · Pending: 0 01/08 · Pending: 0 02/08 · Pending: 0 03/08 · Pending: 0 21/07 · Rejected: 0 22/07 · Rejected: 0 23/07 · Rejected: 0 24/07 · Rejected: 0 25/07 · Rejected: 0 26/07 · Rejected: 0 27/07 · Rejected: 0 28/07 · Rejected: 0 29/07 · Rejected: 0 30/07 · Rejected: 0 31/07 · Rejected: 0 01/08 · Rejected: 0 02/08 · Rejected: 1 03/08 · Rejected: 0 21/07 23/07 25/07 27/07 29/07 31/07 02/08 03/08
  • 21/07: Loans 0, Approved 0, Pending 0, Rejected 0
  • 22/07: Loans 0, Approved 0, Pending 0, Rejected 0
  • 23/07: Loans 0, Approved 0, Pending 0, Rejected 0
  • 24/07: Loans 0, Approved 0, Pending 0, Rejected 0
  • 25/07: Loans 0, Approved 0, Pending 0, Rejected 0
  • 26/07: Loans 0, Approved 0, Pending 0, Rejected 0
  • 27/07: Loans 0, Approved 0, Pending 0, Rejected 0
  • 28/07: Loans 0, Approved 0, Pending 0, Rejected 0
  • 29/07: Loans 0, Approved 0, Pending 0, Rejected 0
  • 30/07: Loans 0, Approved 0, Pending 0, Rejected 0
  • 31/07: Loans 0, Approved 0, Pending 0, Rejected 0
  • 01/08: Loans 0, Approved 0, Pending 0, Rejected 0
  • 02/08: Loans 1, Approved 0, Pending 0, Rejected 1
  • 03/08: Loans 0, Approved 0, Pending 0, Rejected 0

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