Who Is Eligible to Use the App: To borrow from this app, you must be a Filipino citizen aged 18 to 60. You'll also need a government-issued ID and proof of steady income.


Quick Loan Facts:

Loan Amounts: ₱5,000 - ₱200,000
Loan Term: 91 -360 days
APR (Annual Interest): 17.68%
No Transaction Fees
Service Fees: with a 1% service charge, from ₱50 - ₱2,000

Loan Breakdown Example: If you borrow ₱35,000 for 180 days, paid in 6 installments, your total repayment will be ₱38,052. This includes ₱3,052 in interest and a ₱350 service charge. Each installment payment will be around ₱6,342, with ₱509 being the interest for each one. Your credited amount is ₱34,650 after deductions.

Before applying, make sure to check out the Disclosure Statement to understand the loan terms.




1. Loan Applications
Funds granted by the Lender are to be employed by the Borrower strictly for purposes that are legal and valid. Exclusively, the use of these funds is restricted to the Borrower's individual requirements.




2. Loan Amount Confirmation
It is hereby agreed by the Lending Party to provide a loan to the Borrowing Party, and in turn, the Borrowing Party agrees to receive and make use of said loan from the Lending Party, with the sum total as determined in the Loan Decision, evidenced by the Promissory Note and noted in the Borrower's Personal Account.




3. Prerequisites for the Release of Loan Funds
Funds from the Loan will be disbursed only after the achievement of specific criteria to the Lender's approval: it is necessary for the Borrower to enter their bank account details accurately; the Borrower's photo with an identity document must be uploaded to their Personal account; the Borrower must also confirm and agree to the Loan Decision through SMS confirmation or a direct call.

Once the Loan Application from the Borrower receives approval from the Lender, the Borrower is not permitted to cancel or refuse the Loan proceeds, except in instances where such refusal attracts charges for cancellation, rejection, or early repayment as stipulated by the Lender. It is agreed by the Borrower that the Lender has the authority to decide on the cancellation of the Loan at its discretion.

The Lender disclaims any liability for the issuance of Loan proceeds to incorrect or other bank accounts due to the Borrower's error in entering data. The Lender is also relieved from responsibility for any delays or difficulties in the disbursement of Loan proceeds to third parties following the Borrower's written instructions.




4. Interest on the Loan
The Borrower is obligated to the Lender for the payment of interest on the Loan until the total amount is repaid, with the interest being computed and remitted in accordance with the regulations specified within these General Terms and Conditions.

Interest on the Loan accrues on a daily basis until the Maturity Date. The interest rate is determined on a case-by-case basis and disclosed in Disclosure Statement.




5. Loan Term
"Loan Term" refers to the span over which the Borrower is to settle the principal value of the Loan, in addition to the relevant interest, charges, and fees as stated in the Disclosure Statement. This duration is set to range from ninety-one (91) calendar days to a maximum of three hundred and sixty (360) calendar days, subject to the term agreed upon in the Loan Decision.




6. Late Payment Penalties and Charges
Upon the occurrence of any delinquent payment subsequent to the Maturity Date of the financial sum made available under the framework of this Loan, the Borrower shall be obligated to remunerate the Lender not solely with the overdue amount but also with a default penalty. This penalty is stipulated to be in the sum of PhP1,000 for clients engaging with the service for the first instance, and PhP800 for clients who are engaging with the service for subsequent instances. This is to be paid a singular time. In addition to the aforementioned penalties, an interest rate shall be levied on the unpaid amount at a daily rate of 5% commencing from the first day following the delay until the completion of the thirtieth day post-delay. Thereafter, the interest rate shall be adjusted to 4% of the overdue amount, applied daily from the thirty-first day of delay through to the ninetieth day of delay. Subsequent to this period, a reduced interest rate of 2% shall be imposed on the overdue amount, applied daily from the ninety-first day of delay until the complete liquidation of the Loan amount.



7. Declarations and Commitments
The Borrower hereby affirms and guarantees to the Lender, on an ongoing basis, that:

The responsibilities and obligations, expressed or implied, undertaken by the Borrower under this Loan Agreement and any pertinent documents, are lawful, valid, binding, and enforceable;

The Borrower's entrance into and fulfillment of the terms of this Loan Agreement, as well as any related transactions, do not and will not contravene any applicable laws or regulations or any agreements or instruments that are binding on the Borrower;

No current event of default exists, nor is any expected to arise from the provision of the Loan;

All material information, financial or otherwise, concerning the Borrower and other relevant entities has been fully disclosed to the Lender, ensuring the Lender is well-informed in accordance with this Loan Agreement. This information is true, accurate, and not misleading in any manner as of its provision date;

The Borrower has meticulously reviewed, comprehended, and consented to adhere to the stipulations of the Loan Agreement, Promissory Note, and related documents. The Borrower consents to be bound by these documents, including any modifications, which are accessible on the Lender's website and have been communicated to the Borrower through various channels chosen by the Lender;

The Borrower is fully aware of and acknowledges their obligations towards the timely and complete repayment of the loan as outlined in the Loan Agreement;

The Borrower recognizes that the Lender reserves the right to accept or reject the Loan Application based on legitimate grounds, and that the application and its supplementary documents will be retained by the Lender and not returned;

The Borrower regards their Loan Application as merely a proposal, with the final approval contingent upon the Lender's evaluation and policy. The Borrower willingly acquiesces to the decisions made by the Lender, agreeing not to lodge any grievances or seek legal recourse in these matters;

The Borrower unequivocally acknowledges their indebtedness to the Lender for the sanctioned loan amount, assuming it has been disbursed as agreed.
Furthermore, throughout the Loan Term, the Borrower commits to:

Utilize the loan exclusively for personal needs, such as education, medical emergencies, travel, household expenses, or similar personal expenditures;

Abide by all applicable laws in performing obligations under this Loan Agreement and associated documents;

Acquire and maintain any necessary authorizations, consents, or approvals required to fulfill their obligations under this Loan Agreement and to affirm its legality, validity, enforceability, or admissibility as evidence;

Promptly inform the Lender in writing of any potential or actual default events specified in the Loan Agreement, including any situations that may constitute a default under any other agreements to which the Borrower is a party, along with any remedial actions being undertaken;

Notify the Lender within three calendar days of any changes to their name, date of birth, or residential address;

Inform the Lender of any changes in employment, business, or professional activities, and if self-employed, provide updates on personal financial conditions as periodically requested by the Lender.




8. Conditions Triggering Default
The following instances shall be deemed as Conditions Triggering Default:

The Borrower's non-adherence or failure to fulfill any provisions of the Loan Agreement, Promissory Note, or any supplemental agreements established between the Borrower and Lender;

The Borrower's omission to settle any due payments of principal, interest, or other obligated costs to the Lender as outlined in the Loan Agreement;

If any statements or guarantees offered by the Borrower in the context of the Loan are later found to be false or misleading at the moment they were made, irrespective of whether the Lender suffered any direct detriment from such inaccuracies or omissions;

The Borrower's voluntary cessation of financial activities, declaration of insolvency, incapacity to liquidate debts upon maturity, or engagement in any acts signifying bankruptcy or insolvency;

The imposition of a final verdict or order against the Borrower for a substantial financial penalty by a jurisdictionally competent court that remains unpaid, unaddressed, or not bonded within ten (10) days past its statutory due date;

The Borrower's death or legal conviction of a crime that entails a final judgment imposing civil interdiction, or any situation encompassed by Article 1198 of the Civil Code of the Philippines;

The occurrence of any significant negative change in the Borrower's financial status or condition since the Loan was granted, which, by the Lender's reasonable assessment, could impair the Borrower's capability to meet the Loan Agreement's obligations.

Outcome of Default

Upon an incident of Default:

The Lender reserves the right, at its discretion, to deem the aggregate Loan sum as instantly due and demand immediate and complete payment from the Borrower;

In cases where the default is attributed to the Borrower's failure to timely remit loan payments, the Late Payment Penalties and Fees will be applied;

The Lender shall possess all entitlements to remedies specified in the Promissory Note and as provided by law to assert its claims against the Borrower.

The Borrower hereby relinquishes any right to receive notices or undergo formalities necessary for the Lender to assert its rights subsequent to a Default occurrence. The Lender's forbearance or postponement in invoking any right, option, or privilege herein shall not be construed as a waiver thereof, except as expressly confirmed through a written waiver by the Lender.



9. Review
The Lender retains the authority to review the Loan's terms and conditions at its discretion and to enforce its paramount right to call for repayment or cancel the Loan at any moment.

Moreover, the Lender reserves the exclusive right to modify or update the Terms and Conditions outlined in this document at any given time, based on its independent judgement.




10. Contact Details
The terms of this Loan Agreement activate with the lending of funds to the Borrower, as depicted in the Promissory Note, and will stay effective until the terms are deemed unnecessary unless an earlier termination by the Lender occurs or the Parties mutually decide on changes.

For any questions or need for assistance, our contact details are as follows:
Enterprise Name: IMAMURA OPC
Email for Support: customerservice@imamuraopc.com
Support Contact: 8460085032
Location Address: 131 K-8th, East Kamias Quezon City, Metro Manila, 1102 Philippines