Is Vidalia legit?

Without a confirmed rate for Vidalia, we cannot tell whether it is cheaper than another lender. For comparison, Pocketcash (Elending)'s published terms give a cost of ₱300 for ₱5,000 over 120 days; compare this with your actual offer.

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 need a confirmed total cost before applying: the sources checked do not provide a rate.

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.