Is Vidalia legit?
Yes. Vidalia is on the SEC list of recorded online lending platforms. It is run by Vidalia Lending Corp (SEC Reg. No. CS200813771, CA No. 279). The SEC list dated Sep 29, 2026 records it as "Vidalia App". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Vidalia App" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Vidalia Lending Corp., CS200813771 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 279 (as printed by Vidalia) | Google Play, updated Sep 18, 2026 |
| Price published | No rate on Vidalia's Google Play listing | Google Play, updated Sep 18, 2026 |
| Loan amount and term | ₱15,000 to ₱500,000, over 90 to 365 days | Its published terms |
| Google Play rating | 2.0 of 5 from 1,647 ratings, 100K+ installs, as of Oct 2, 2026 | Google Play, updated Sep 18, 2026 |
Vidalia publishes no interest rate on its Google Play listing, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask Vidalia for its Disclosure Statement before you accept, or compare apps that publish their price. Official app: Vidalia on Google Play.
Should you borrow from Vidalia?
You see Vidalia's price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Choose Vidalia if
- you want to spread payments over as long as 365 days.
- you need up to ₱500,000.
Skip Vidalia if
- you need less than ₱15,000.
- you weigh user ratings: it has 2.0 of 5 from 1,647 Google Play ratings.
- you want to know the cost before you apply: it publishes no rate.
Vidalia requirements, customer service and how to pay
- Requirements
- Not listed on its Google Play listing
- info@vidalia.com.ph
- Phone
- Not listed on its Google Play listing
- Pay through
- The channels shown in the app for your loan
As Vidalia lists them on its Google Play listing, updated Sep 18, 2026. Use only these channels or the app itself. Source
If you cannot pay Vidalia on time
On Vidalia loans above ₱10,000 or longer than four months, the penalty is whatever your contract and Disclosure Statement say; the SEC's 5% a month cap covers only smaller, shorter loans. Vidalia Lending Corp's collectors, and any agency it hires, may not post your details, threaten you, call before 6 a.m. or after 10 p.m., or message anyone in your contacts except the guarantors you named (SEC MC No. 18 s.2019).
If that fails, report Vidalia Lending Corp to the SEC on hotline 14732 or the iMessage portal, and report messages to your contacts to the National Privacy Commission at complaints@privacy.gov.ph. All eight prohibited collection practices.
This page covers Vidalia's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Vidalia first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Vidalia
Who owns Vidalia?
Vidalia Lending Corp (SEC Reg. No. CS200813771), per the SEC list dated Sep 29, 2026.
What is Vidalia's customer service number or e-mail?
E-mail: info@vidalia.com.ph. As listed by Vidalia (Vidalia's Google Play listing, updated Sep 18, 2026).
Does Vidalia call your contacts?
Vidalia Lending Corp may not contact anyone in your phone contacts except the guarantors or co-makers you named, even if you allowed access (SEC MC No. 18 s.2019, Sec. 1(h), issued Aug 19, 2019). Raise it with Vidalia at info@vidalia.com.ph, then the SEC on 14732.
Lowest-cost recorded apps for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- Pocketcash (Elending): at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees)); lends ₱1,000 to ₱50,000.
- Vplus: at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 interest); lends ₱1,000 to ₱50,000.
- Pesos.ph: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,500 to ₱50,000.