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Zaimoo review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Zaimoo suits Filipino borrowers with a poor credit record who need a personal or payday loan funded to a card or e-wallet the same day. APR spans 11.9% to 365%, so the price depends heavily on which partner lender you are matched with, and support runs on email only.

Key facts

Best for
Same-day microloans for Filipino borrowers with poor credit.
APR
11.9% to 365%↗
Loan amount
₱10,000 to ₱50,000↗
Term
2 to 60 months↗
Funding time
Almost instant to bank card or e-wallet; up to 3 days to a bank account↗
Lender type
Broker↗
Eligibility
Philippine citizenship; age usually 20-65; ID, mobile phone and a bank card, bank account or e-wallet↗
Loan types
Personal, Payday↗
Credit needed
Poor↗
Legal entity
Densure LLC↗
Headquarters
Armenia↗
Support channels
Email↗
Features
Same-day funding
Official website
zaimoo.ph

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • Same-day money, with same day funding listed and an almost instant payout to a bank card or e-wallet.
  • The credit bar is poor credit, so thin files still get considered.
  • Personal and payday lending are both listed, personal and payday, so the same application covers a short bridge or a longer loan.

Cons

  • APR runs 11.9% to 365%, so the cheapest and the dearest loans sit far apart within the same listing.
  • Support runs on email only.
  • Zaimoo is a broker, so the contract sits with a partner lender rather than the brand you applied to.
Zaimoo

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Scored 8.6 / 10 by SumCue.

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Who it suits

  • Filipino citizens holding an ID, a mobile phone and a bank card, bank account or e-wallet to receive the money.
  • Borrowers with a thin credit file, since the stated bar is poor credit.
  • Anyone covering a shortfall that has to clear this week, given same day funding and a near instant payout to card or e-wallet.

Who should look elsewhere

  • Cashspace, whose APR runs PHP 12 to PHP 36, for anyone who wants a tighter ceiling than 11.9% to 365%.
  • Sofkredit, where APR runs 10.74% to 18.06%, if the rate matters more than same-day cash.
  • Creduma ES, which lends from from €12,000 in euros, for larger euro borrowing rather than a Philippine microloan.

The company behind it

Zaimoo is run by Densure LLC (Densure LLC) and is headquartered in Armenia, so the legal entity behind the application sits in a different jurisdiction from the people it serves. It works as a broker, which means a partner company holds the loan contract rather than Zaimoo. Support runs on email only, so anything time-sensitive is worth raising before an offer is accepted.

How Zaimoo compares

Where Zaimoo is available

Available
Philippines

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much can I borrow and over how long?+

Loans run PHP 10,000 to PHP 50,000 and repayment can be spread over 2 to 60, so a short term bill and a larger cost are both covered. Compare that with the median loan on the site before applying, because the top of this range is aimed at chunkier needs than a small top-up.

What rate will I pay?+

APR runs 11.9% to 365%, and the number you receive depends on the partner lender you are matched with. For context, the median payday loan on the site carries an APR of 36.5%, so the top of this range sits well beyond a typical short-term loan. Read the rate on your own offer rather than the headline.

Will I qualify if my credit is poor?+

Yes. The stated bar is poor credit, which is the main reason borrowers with thin files consider it at all. You still need Philippine citizenship, an ID, a mobile phone and a bank card, bank account or e-wallet, and the approval itself comes from the partner lender.

How quickly does the money arrive?+

Same-day funding is offered, same day funding. A payout to a bank card or e-wallet is almost instant once you are approved, while a transfer into a bank account takes longer. If the money is for a bill due this week, the card and e-wallet route is what arrives in time.

Who actually lends the money?+

Zaimoo is a broker, not the lender itself. An application is passed to a partner company, and that partner holds the contract. Worth knowing before you sign, since the party responsible for the loan sits behind the brand name you applied to.

What do I need to apply?+

You need Philippine citizenship, an ID, a mobile phone, and a bank card, bank account or e-wallet to receive the money. Applicants have to be adults, and personal and payday lending are both listed, personal and payday, with terms of 2 to 60 to repay over.

How do I get help on a live loan?+

Support runs on email only, with no phone line or live chat listed for questions about a live loan. That matters most when a payment date is close or a payout is stuck, because written email is the single route. Raise anything urgent before the agreement is signed.

How much risk sits around a decision like this?+

Zaimoo lends rather than invests, so the number that matters is what you pay, not what you might lose. Across the wider range of money products covered here, the typical share of retail accounts that lose money is 70.15%, which is a reason to keep savings and borrowing decisions apart.

Sources

  • zaimoo.ph checked September 26, 2026

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

    “10 000 ₱ From 0,01% a day ... Personal loan 25 000 ₱ From 0,1% a day ... For long term 50 000 ₱ From 16,7% a day”

  • zaimoo.ph/how-to-apply-for-a-microloan-loan-conditions-an... checked September 26, 2026

    Backs: Credit needed, Eligibility, Funding time

    “MFIs approve loans for pensioners, students, freelancers and those who cannot boast of an ideal credit history.”

  • zaimoo.ph/privacy-policy checked September 26, 2026

    Backs: Lender type

    “It operates as an aggregator of financial offers from various credit organizations that possess all necessary licenses and certificates.”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Representative example.

Zaimoo

Zaimoo

Same-day microloans for Filipino borrowers with poor credit.

8.6/10See alternatives