Lenddo: The Answer To Your Pressing Financial Needs

April 14, 2012 · 49 comments

in Home Improvement, Services

Even up to this day, I still marvel at how internet redefined the way we live and do things. It used to be that we have to painstakingly go through different process and steps, and deal with long periods of waiting before we can fully avail of different services. But with the advent of the internet, almost everything can be had in an instant. This has forced companies, institutions and emerging businesses whose main job is to provide valuable services to people to reinvent themselves or come up with innovations to keep up with the changing times.

One such innovation in the field of finance is Lenddo.  It is the world’s first credit scoring system and the first Philippine loans facility that uses an individual’s online reputation to access current credit standing in granting and extending  simple business loans, payday loans and other personal finance services.

Joining Lenddo is easy, all you have to do is complete the registration process by filling in the necessary details such as complete name, email, password, gender, birthday and mobile number.

Once registered, you can start increasing your credit score to avail of the different services. You can build your credit score by making your online presence felt and by establishing a good online reputation.


My credit score after linking my facebook, linkedin and yahoo acounts.

Create good online reputation by simply linking all your social network connections such as email, facebook, twitter, google and linkedin to your Lenddo account. Build your community and trusted network by inviting friends, colleagues and relatives. This will also help increase your credit score. The higher your credit score, the easier for you and those in your network to access the different financial services that Lenddo offers.


My credit score after filling out other details such as employment status, address, contact nos. & after linking it to my twitter account.

Your connections are what Lenddo will use in assessing your capacity to borrow and pay for the personal, educational, small business and even home repair loans that you can apply.

Though I haven’t tried availing any of the loan facilities that they offer, I like the thought of not having to go through the tedious and stressful process of submitting endless documents as well as waiting for weeks for the loan to be approved, especially when urgent financial need arises (ex. medical emergency).

Currently Lenddo provides loans for Education, Medical Emergencies, Home Improvement and Career Based Relocation. Each type of loan has a corresponding list of requirements that you need to complete for your loan to be approved. Generally, you need to be employed and you need to have a credit score of 400+ plus at least three trusted connections to jumpstart your apllication.

As soon as you meet all the other requirements, the loan can be approved and the loan amount can be given as early as one business day. Lenddo offers loans at a minimum amount of php 5,000 to a maximum of php 43,000. Interest rates are dependent on your Lenddo score and terms of payment ranges from 3 months to a year, again depending on your Lenddo score.

Lenddo only provides loans to members with a current bank account. In claiming loans, you don’t have to take a leave from work to personally claim the fund from their office, the loan fund can be deposited straight to your bank account. You can also pick from the many modes of payment that they provide, it can be through direct debit to mobile payments or local bank deposit.

Lenddo is a fast, reliable and efficient way of applying for a loan. It is paperless and hassle free.


View more presentations from Lenddo

The way I see it, it works around three principles:

  • Improve the quality of life of its members by giving them access to loan facilities for their education, medical, career/business, and home needs.
  • Engage in community building by empowering members to create their network, maintain good connection and look after each other’s credit reputation. Every good or bad financial move such as increasing your credit score, dutifully paying your loan dues or failure to repay your loan dues affect not only your credit score but the credit score of people in your network as well.
  • Develop good sense of responsibility in handling finances among members. Lenddo doesn’t only provide members with funds, it also helps members become wise spenders by providing them tips on how to effectively manage their finances through its blog service. In fact, they also offer online class for Financial Responsibility that members can avail. A member can increase his credit score upon completion of this class.

Lenddo Testimonials

View more presentations from Lenddo

As with any lending institutions, this works well for people who are financially responsible. Lenddo gives each member the freedom to determine their own credit standing. And as with any online activity that you will join, you have to be fully aware of its implication to your online reputation and privacy as well.

Although security measures are very much in place, you have to remember that what will make you financially sound and capable in Lenddo (your networks and connections’ personal & professional information) are what might be used against you too in the event that you decide not to complete your loan obligations. In short it requires huge amount of financial maturity and responsibility on your side.

If you ask me if I will recommend Lenddo to you, I would have to say I do as long as you are fully aware of your responsibilities and the possible consequences of your actions if you decide to join the Lenddo community.

Lenddo  is changing the landscape of financial lending with its innovative response to the changing needs of financial borrowers. It is a successful union of innovative financial solution and social responsibility. If used prudently and wisely this can work well for most of us.

Lenddo is duly registered at SEC (lending services company) and is covered by this regulation, RA No. 9474.

Article by

Welcome to my little space! I am Blanca. Nan's widow. Bianca Angela's mom. Full time teacher. Freelance print and online writer. Prayer Ambassador. Running Mama. Avid supporter of anything pinoy, eco-friendly and handmade. Big fan of inspiring, innovative, and life changing ideas. Hope you learned a thing or two while pouring over my notes! Thanks for dropping by and I hope you'll visit again soon.:)

has written 402 awesome articles for us at blancnotes

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{ 49 comments… read them below or add one }

John Michael August 7, 2014 at 3:23 am

Thanks for the valuable info. Lenodo seems to me a perfect one. Should try.


maan October 11, 2013 at 9:41 am

Can I add you in the trusted connections?


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Rain August 21, 2013 at 9:01 am

Hi, I hope I can ask someone to confirm me for the trusted connections. I am looking for someone who has a good lenddo score. I have 486 score so I can process my loan application. I hope I can include you on my list. Thanks.


classes.biodiv.tw August 18, 2013 at 7:02 pm

Amazing! Its truly amazing post, I have got much clear idea regarding from this post.
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Red July 22, 2013 at 8:57 am

Ma’am Blanca panu po gumawa ng website? magkano po ang magagastos? pls PM me thanks po


Debbie Navarro July 29, 2013 at 7:20 am

HI, I do websites for blogger and weebly platform you can check my portfolio sir Red. Thank you po.



Hari July 4, 2013 at 5:14 pm

Great post dear! You really posted a great article and it will help all the person. Who are wanting help form someone. Your information is very helpful.
Thanks for writing these type of article.


vivian June 9, 2013 at 11:11 am

This is a very inspiring article. I really am truly impressed when reading your article. You offer useful information. Keep it up. looking forward to reading your next article.thanks
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gina May 8, 2013 at 5:45 pm

Wow, let me be the first to agree with you then…thanks for sharing!!.. anyway

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Kentoi92 April 29, 2013 at 4:36 am

I could use this one. I’ll try to apply later so I can have something to use when I go out of the country for work. Thanks for this :)


April 25, 2012 at 1:08 am

this is an interesting post, though i’m not really big on credits because it only create trouble for me, too much trouble, it’s a nightmare i don’t want to be in anymore. but at least we are now keeping up in terms of financial services. i wish i could say more, but i do agree that at some points there is an advantage to having a good credit standing. :)
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April 21, 2012 at 7:29 am

i have read one blog from a friend. I also sign up, it wont hurt applying. so far, i am not in need of money, but just want to try.


April 18, 2012 at 2:48 pm

this is really good news for those who have financial woes. but i hope this will not be abused by some and will last for a long time.
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Shengkay April 17, 2012 at 2:42 pm

this is really interesting..actuallt parang second ko na na nakita to..dont know kong dito din yun..hehehe


April 17, 2012 at 7:18 am

This is interesting! :D I don’t have a use for loans at the moment though, but I’ll keep Lenddo in mind! ;)
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April 17, 2012 at 6:24 am

Yes this reminds me that I need to set up my account so that I can have a loan also, this is very convenient compared in bank
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April 17, 2012 at 5:55 am

I bumped into this site once though I have not read the key points of what there services are but I think it can help somehow ;)
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Airra Pingol
April 17, 2012 at 1:55 am

I’ve heard about this before.. my mom wants to try it. :D
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AXL Powerhouse
April 17, 2012 at 12:56 am

parang may nabasa na ko nito sa isang blog.. anyway.. ok to esp sa mga work on home dahil its esp to loan using the net di ba.
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April 16, 2012 at 9:26 pm

I read about this earlier too…just the same I didn’t read if it’s only a Philippine-based endeavor or so.
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April 16, 2012 at 9:07 pm

i agree with Mai, it is a good financial venue especially at times of emergencies. i have been reading a lot about it over the net :)
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Yani April 16, 2012 at 6:18 pm

I have read about this before but I cannot place. This is so promising. I think more and more people are trying Lenddo.
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April 16, 2012 at 1:51 pm

I just joined! Haha! Looks promising. Will try this one of these days! Thanks for sharing!
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April 16, 2012 at 4:06 am

I heard of lenddo through a co mommy bloggers before, and it looks promising.
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Hefty Foodie
April 16, 2012 at 2:56 am

Interesting way to earn extra money, Would like to know more about it and wait for updates.
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Blanca April 16, 2012 at 4:29 am

Hi Heftyfoodies, you can get updates by simply registering and logging on to their website at http://lenddo.com.:)


Mai Flores
April 16, 2012 at 12:44 am

Wow! This is a good financial venue, given the fact that they’re already offering this kind of service online. Everything gets more accessible and convenient every day, which is really a great advantage.
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yuuki April 16, 2012 at 12:05 am

that is an interesting site, will wait for more updates…
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April 15, 2012 at 4:36 pm

I tried this last year but I got denied. Bwahahha!


KOKO April 15, 2012 at 3:42 pm

The internet is really revolutionary.. just imagine… using your online connection as basis to assess of you have the capacity to pay… This is really something… I just hope that it works smoothly because this can really help a lot of people
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Jinky April 15, 2012 at 2:24 pm

I’ve heard of such things before but most of them are not as big as Lenddo. I think this is a better option. Might want to check it out next time.


April 15, 2012 at 1:28 pm

I keep on seeing this Lenddo everywhere. I think I saw it first in a forum. I only understood it through your post.

Looks like it’s a pretty legit alternative to getting loans. Government loans are a problem. ATM collateral loans businesses are risky and you can’t expand on it. And banks want credit histories.

But then, this won’t work on those people who need loans but do not have easy access to the internet.
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Francis Balgos
April 15, 2012 at 1:27 pm

This is a nice option..
I don’t really take loan if I can help it..
Just imagining being chase by creditors is kind of nightmarish..
But I sure will keep tab on this, I just recently applied for loan with my SSS
all done with a few clicks online. tadan!
nowadays, its easy to get things done.
I applied for NBI clearance online too.. it was such a breeze, all I had to do was to have pity on those people who’s falling in line and taking the whole day to do it
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Blanca April 16, 2012 at 4:30 am

Good for you Francis.:)


pinoy tech blog April 15, 2012 at 5:15 am

Is the company registered on SEC and does they have approval to do loans? Mahirap na kasi, palabas kagabi sa Imbestigador ay tungkol sa lending MLM.
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Blanca April 16, 2012 at 4:30 am

Yes, they’re under SEC (lending services company).:)


Gigi Beleno
April 15, 2012 at 4:50 am

Is it a kind of MLM? and duly registered with SEC. Whatever it is, when there is money involved, we all need careful scrutiny as to safety and reliability.
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April 15, 2012 at 3:56 am

This may be a better alternative than
availing loans through banks and some financial institutions.
It’s more convenient because the whole process is online.
You need not go to any place and wait for your turn.
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Enzo April 15, 2012 at 3:36 am

I think this the second time I read about this in the blogosphere. I would love to try on this. I hope this will go a long long way because it only aims to help.
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Blanca April 16, 2012 at 4:32 am

Me too Enzo.:)


April 15, 2012 at 12:59 am

Wow this is great. Yeah Internet is a good help for us life is way easier now than before but being dependent on it also has its disadvantages. I’m curious how they go through with credit investigations specially in our country where it is so easy to run away from your obligations. At the end of the day this about being responsible and knowing your financial limitations.
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April 15, 2012 at 12:20 am

i hope mag work sya dito because this is really a great concept
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Gil Camporazo
April 14, 2012 at 11:55 pm

“Credit is good, but we need cash” sounds less effective nowadays wherein everyone needs finances for his/her business venture. Credit is the lifeblood of the business, I remember this line when I was still studying my commerce course in the college. A business stands out against all setbacks and failures when it is properly managed. This Lenddo could be answer to this, I think.
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April 14, 2012 at 10:16 pm

hope the company get to help more people in the country.Businessmen needs money for the business.
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Prayag Verma
April 14, 2012 at 6:08 pm

This is such a giant leap in the field of Finance. Being able to take loans on community trust thats just amazing
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Renz Bulseco
April 14, 2012 at 5:49 pm

Wow, the internet is truly amazing. Makes our lives easier and convenient!


April 14, 2012 at 5:23 pm

Lendo is very innovative! It is very convenient. I hope it will succeed to help more people in need.
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April 14, 2012 at 1:55 pm

I also like the thought of getting rid of submission of requirements. I think this would be a game changer in the credit and reputation management of the financial field.
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