Financial Solutions That Fit You
SEC Registration / Authority No.: L-26-1132-20

Jimmah Finance is a premier, family-owned lending institution offering tailored business, home, and personal loans. We combine modern financial technology with deep-rooted family values to provide reliable, transparent, and fast funding solutions for our community.

100% Family Owned
Secure & Transparent
48-72hr Approval
Weekends Off

Tailored Loan Solutions

Whether you are growing a business or covering unexpected expenses, we have the right financial instruments to fuel your ambitions.

Debt Consolidation

Simplify your finances by combining multiple debts into a single, manageable monthly payment with a lower interest rate.

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Home Improvement

Upgrade, renovate, or repair your home. Increase your property value and living comfort with flexible funding.

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Business Expansion

Secure the capital you need to expand operations, manage cash flow, or invest in new opportunities.

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Personal Expenses

Cover life's big moments—weddings, vacations, or moving costs—with unsecured personal funding.

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Education

Invest in your future. Pay for tuition, books, and living expenses while you focus on your studies.

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Medical Emergency

Fast access to funds for unexpected medical bills, treatments, or procedures so you can focus on recovery.

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Our 12 Standard Loan Packages

Choose from twelve transparent, standardized loan packages — from ₱10,000 up to ₱100,000. Every package features a flat monthly interest rate, flexible daily or weekly repayment, and early-payoff rewards. Click any package to view its full contract terms.

English Tagalog
4% Processing Fee

One-time fee deducted at disbursement — no hidden charges.

Daily or Weekly Payments

Pick the schedule that fits your income flow — Mon–Fri only.

Early Payoff Discount

Pay off early and receive a discount per remaining business day.

Consumer Protection Notice: All loan agreements are governed by Philippine law and comply with Truth in Lending and SEC disclosure requirements. A late-payment fee of 5% per month applies to missed installments, subject to statutory limits. A formal pre-contract disclosure statement and amortization schedule are provided before signing.

Loan Calculator

A regular calculator — do any math you need (+ − × ÷ %), then press =. Your total is matched to the nearest official loan package — pick a package above the results and see the exact contract terms, payments, and true effective cost.

CALCULATOR
 
₱0
TYPE AN AMOUNT · PRESS = TO MATCH A PACKAGE
Standard calculator: + − × ÷ % all work — press = and your total is matched to the nearest loan package on the right.
Matched Loan Package ✓ EXACT MATCH
Package 01 — ₱10,000
Calculate an amount and press =, or browse with ◂ ▸.
You Receive
—
net after 4% processing fee
Each Payment
—
—
Principal (package)—
Processing fee — deducted at release—
Total flat interest—
Early payoff discount—
Total scheduled repayment—
—
Flat monthly rate (contract)—
Effective monthly rate (true cost)—
Effective annual rate (compounded)—
💡 Why is the effective rate higher than the flat rate? Because the flat rate charges interest on the full original principal even as your balance shrinks — and the processing fee means you receive less cash than the loan amount. The effective rate reflects what you're truly paying on the money you actually receive. Philippine law requires lenders to disclose this so you can compare loans fairly.

Results are matched to the nearest of our 12 official loan packages — final terms follow that package's Loan Contract and Truth-in-Lending Disclosure Statement. Modeled convention: 20 business days = 1 month; no scheduled payments on weekends.

We Accept The Following Collateral

Need a higher amount or better terms? We gladly accept various forms of collateral. As long as the appraised value of the item is equal to or higher than the loan amount, it's acceptable!

Motorcycle

Motorcycles

Tricycle

Tricycles

Home Appliances

Appliances

Tech Gadgets

Gadgets

Payment Options & Policies

At Jimmah Lending Inc., we make repayment simple, flexible, and rewarding. Choose the schedule and method that works best for your lifestyle — and even earn discounts for smart repayment habits.

No Weekend Payments

There are no payments on Saturdays and Sundays. All Jimmah employees enjoy weekends off, giving both our team and our clients time to rest and recharge.

Mon - Fri Only

Daily or Weekly Payments

Clients can choose either daily or weekly payment schedules, depending on what fits your income flow best. We tailor the plan to match your financial rhythm.

Choose Your Schedule

Cash or Gcash

Clients can choose to pay cash directly to a friendly Jimmah Collector, or conveniently pay through Gcash. Pick whichever method is easiest for you.

Two Easy Methods

Early Payoff Discount

Clients who pay their loans off early will be given a discount upon full payment. We reward responsible borrowers who clear their balance ahead of schedule — saving you money on interest.

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100% Gcash Discount

Clients who use 100% Gcash for their entire payment journey will be given a discount upon full payment as well. Go fully digital and enjoy additional savings on us.

Go Digital, Save More
Family Business Meeting

More Than a Lender, We Are Family

Founded as a true family business, Jimmah Lending Inc. is built on the trust, unity, and dedication of our relatives. From our core shareholders to our hardworking employees and trusted collectors, our entire team is composed of family members.

This unique family structure allows us to operate with unparalleled care, loyalty, and personal commitment. We don't just process applications; we treat every client with the same loyalty and personal touch that we share at our own dinner table. When you borrow from Jimmah, you partner with a family committed to your financial success.

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Family Owned
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Years of Trust
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Clients Served

Financial Knowledge Hub

Stay updated with the latest financial trends, tips, and company news. Click an article to read the full lesson.

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Understanding Interest Rates in 2024

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How to Secure a Loan for Your Startup

Navigating the lending landscape as a new business can be tough. Here's our guide...

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Frequently Asked Questions

Everything you need to know about our lending process and payment policies. Can't find the answer you're looking for? Feel free to reach out to our family support team.

Ask Us Anything

We keep it simple! You'll need one valid government-issued ID, proof of income or source of livelihood, and (for larger amounts) acceptable collateral such as a motorcycle, tricycle, appliance, or gadget. Our team will walk you through everything during your application.

Most applications are reviewed and approved within 48-72 hours. Because we're a family-run business, decisions are made quickly and personally — no endless call centers or anonymous approvals.

You can choose either a daily or weekly payment schedule, Monday through Friday only. There are no scheduled payments on weekends. You may pay in cash to your assigned Jimmah collector or conveniently via GCash — whichever suits you best.

Great news — you save money! Fully settle your loan before maturity and you'll receive an early-payment discount for each remaining business day before your original due date. Simply request a payoff statement and we'll compute your exact discounted amount.

The only fee is a one-time 4% processing fee, deducted at disbursement. Everything else is fully transparent: your principal, flat monthly interest rate, and total repayment amount are all clearly disclosed before you sign — in accordance with the Truth in Lending Act.

If an installment isn't paid by its due date, a late-payment fee of 5% per month applies to the outstanding scheduled amount, in line with applicable Philippine regulations. We always observe legally required grace periods, and our family team will reach out to help you get back on track.