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Borrow

Apply for wallet loans, choose your amount and term, and receive funds directly in the impay app.

Borrow home screen
Loan amount and term selection
Required details form
SMS verification
Loan approval confirmation

What You Can Do

In the impay app, Borrow opens from the Banking tab on the Wallet-Loan screen. Review your maximum borrowing limit and loan details—including repayment terms from 1 to 12 months, a 3% average monthly interest rate, and a one-time processing fee of ₱15 per ₱1,000 borrowed. Tap Get Started to select an amount from ₱300 to ₱200,000 and a term (30 days up to 12 months), then review principal, fees, interest, and total repayment. Complete required personal details, accept the borrow disclosure, and verify with a one-time SMS code. Once approved, your loan is credited to your wallet.