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About lender

Blend is a genuine online peer-to-peer lending platform where borrowers can access short-term loans. The platform offers loan consumers quick loans after a hassle-free loaning process that fits the needs of most online lenders. The company is registered as a financial lending platform to help borrowers access quick cash loans and improve their financial well-being. Blend offers fast loans with a flexible payment plan, enabling borrowers to plan their loans accordingly. Because it provides quick loans, Blend allows borrowers to consider these consumer loans when they need quick cash or for emergencies. Besides, the platform encourages borrowers to invest and build up their money while raising the lives of others on the platform. As a peer-to-peer platform, Blend ascertains convenience, helping borrowers get quick cash loans and investors make money through lending. Blend’s p2p platform enables borrowers to benefit from interest rates of as low as 0.03% per day.

Pros and cons

Blend loans are unique because of the p2p platform that enables borrowers to meet investors. Blend strives to build customer relationships to ensure that borrowers and investors find the platform meaningful to use when borrowing an online loan service or investing their money. Borrowers can quickly get online loans from the peer-to-peer funding platform because it offers different loan products.


  • You can apply fast through an online system.

  • The platform is safe to use

  • Interest rates are relatively low and depend on your creditworthiness.

  • Flexible loan terms of up to 36 months.

  • Easy repayment schedules

  • Quick approval time


  • High penalties for defaulting

  • High late payment fees

Loan conditions

Blend offers different loan products, ranging from fast personal loans to salary and franchise loans. New customers can access the loans by first registering online through the peer-to-peer platform and choosing the suitable loan they would like to take. For example, a new customer applying for a personal loan can access a minimum of ₱50,000 at an interest of between 1% and 3% per month. Meanwhile, a new customer interested in a fast loan can access at least ₱10,000 with an interest of between 5% and 8% per month, depending on their creditworthiness. Customers can also access seafarer loans of ₱50,000 to ₱500,000 with an interest rate of 2.5% per month upon fulfilling all required terms of the loan. Existing customers can access higher amounts of up to ₱2,000,000 personal loans with an extended payment period and lower interest rates. Regular borrowers can also access higher limits of salary and franchise loans depending on their records and creditworthiness.

Methods of a loan funding

Borrowers enjoy fast loan approvals depending on the type and amount of loans they require. For example, fast loans can take about 5 minutes to be approved, while franchise loans can take up to 48 hours, which is still a quicker turnaround than a conventional bank. The loaning process is simple and easy to follow, and approval notifications always follow within 1 to 2 business days for most types of loans after application.



What is Blend?

Blend is a legitimate online peer-to-peer lending platform registered with the Securities and Exchange Commission to offer loans in the Philippines. The virtual p2p platform enables borrowers to access quick cash loans with as low as 0.03% interest per day and 1% monthly interest rates depending on the type of loan. Borrowers and investors enjoy the benefit of operating on the platform; borrowers get quick loans as investors make money from the interests paid by borrowers.

Who owns Blend?

Blend is a registered company in the Philippines owned by Jay S. Bautista, a well-known business management and finance guru with an extensive experience in the financial sector. Blend is the first virtual p2p platform for lending in the Philippines.

How do you qualify for a Blend loan?

A borrower is eligible for a BlendPH loan if he or she can meet the following requirements:

  • Filipino nationality

  • Aged between 20 and 55 years

Borrowers must also meet these conditions:

  • Have a Certificate of Employment with Compensation

  • Company ID for a franchise

  • Latest 1 month payslip

  • 2 valid government IDs

  • Proof of billing

How much can you borrow from Blend?

New customers can access the least band for every type of loan depending on their creditworthiness. However, existing customers can borrow more, also depending on their payment histories and creditworthiness.

Is Blend a legitimate company?

Yes. Blend is a legit and state-licensed company registered in the Philippines as Inclusive Financial Technologies Inc., a peer-to-peer platform.

Company documents


BlendPH is developed and managed by Inclusive Financial Technologies, as an online platform to connect borrowers who need access to a financial institution to fund their goals and lenders who want to grow their wealth through intelligible investing.

Inclusive Financial Technologies Inc

Blend loans calculator

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What to pay attention to when applying for a loan at Blend?

- The company shall be registered at Securities and Exchange Commission in the Republic of the Philippines;

- You can check the availability of the Certificate of Authority on the official SEC website;

- The rules for granting microloans should be available on the company's website;

- The procedure for applying for a microloan should be published on the site;

- The procedure for concluding an agreement and receiving a payment schedule should be available;

- Other terms and conditions for granting microloans should be available.


- Get acquainted with the interest rates on microloans;

- Check the availability of general terms and conditions of the consumer loan agreement;

- Check the availability of information on the total cost of the loan in the consumer loan agreement;

- Take time to think. After reviewing the individual terms of the agreement, take the allowed time to make the final decision.

What distinguishes Blend from a bank:

- Fast processing of loan applications;

- High interest on the loan for the borrower;

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All Blend’s reviews by May 2022