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Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

JuanHand

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About lender

JuanHand is a financial institution operating in the Philippines since 2019 and is owned by WeFund Lending Corp., a Paipaidai subsidiary. JuanHand is one of the few fintech platforms in the Philippines that offers a 24/7 online cash loan service from anywhere in the country.

JuanHand is a fintech platform that offers quick cash loans to Filipinos. Through their app, JuanHand provides quick cash loans, which are available to all Filipino citizens. It is a secure and private financial technology product that ensures the confidentiality of customers’ information. The company was named JuanHand because it means a single family with one heart that helps Filipinos with their financial problems. Much like the Filipino expression phrase “bayanihan,” the company aims to be available to help in times of need.

JuanHand is an advisory company that provides lending products to customers with a reasonable interest rate. The company ensures consumers are given efficient financial aid through preferential interest rates, a 24/7 online switchboard, convenient and fast loan processing, and other such attributes.

Pros and cons

It is advisable always to be cautious and weigh the benefits and drawbacks of each company before submitting your application for a loan. This will enable you to make a smart decision before taking one.

Pros

  • It offers the convenience of a quick online cash loan.
  • It accepts anybody between 18 and 60 from the Philippines as long as they have a stable source of income.
  • JuanHand is a convenient option for people who need cash loans without visiting a bank or another lending institution, thanks to its quick registration process and safe online transaction.

Cons

  • The interest rate charged by JuanHand is a bit high.
  • The loan is only short-term; you are expected to pay it back on your next payday.
  • Their maximum loan amount is only ₱15,000.

Loan conditions

The minimum credit amount is ₱2,000, the maximum credit amount ₱15,000, and monthly interest rates are between 9% to 15%. You can use a loan calculator to evaluate your monthly payments and the loan interest most favourable to you as this will help you avoid loan defaulting.

To apply for a loan, the applicant must be a Filpino citizen aged between 18 to 60 years. They are also required to have a stable, verifiable source of income. They will also have to submit one government-issued ID proof for verification purposes.

After the loan application is approved, the borrower receives credit funds into the account specified in the application. To avoid paying late payment charges, the client is advised to settle their dues on or before the due date. The company also warns borrowers that late payments may damage their credit history. The company values the convenience of its customers and therefore offers them a variety of payment options.

Funding a loan

JuanHand offers quick loans to individuals at an interest rate ranging from 9% to 15%. The amount of money you can borrow depends on your state’s laws and credit score. Annual percentage rates (APRs) may vary based on the applicant’s credit risk profile. The company offers loan amounts ranging from ₱2,000 to ₱15,000. The loan term offered by JuanHand is 180 days. To get a loan, you, first of all, fill out an online application and send it to them, then wait for 20 minutes as they review your application and make a decision, and then, if successful, you get your money in the designated bank within a few minutes.

JuanHand

FAQ

What is JuanHand?

JuanHand provides fast lending and other personalized financial services to Filipinos of the required age and has a smartphone, regardless of their credit history.

Who owns JuanHand?

JuanHand is a fully owned subsidiary of WeFund Lending Corp.

Is JuanHand a legitimate company?

Yes, JuanHand is a legit company. It has a Certificate of Authority granted by the Securities and Exchange Commission, making it a registered platform.

How do I apply for a loan?

Just download the JuanHand app, sign up using your mobile number, complete your profile with the requested personal information and contact details (for verification and payment), and click Apply!

What if they reject my application?

You can always ask why it was rejected, sort it out, and reapply.

Where can I receive my cash?

Once your loan is approved, it will be deposited to your e-wallet and your bank account, or you can withdraw it over the counter.

How can I repay a loan?

You have to find the repayment channel that is most convenient to you, like 7-Eleven, G-cash, RD pawnshop, M. Lhuillier, etc. Use a repayment code and a valid ID to complete your repayment.

How can I check my loan application status?

Log into your account, and you can easily monitor the status of your application. You can also call their CSR hotlines.

Once my loan is repaid, can I request a higher amount?

JuanHand updates the amount based on your latest credit status, so you must maintain good repayment habits to get higher loan amounts.

How is my data protected?

Your personal information is not shared with third parties, except in legal cases. Your data is only used for credit processing and sent through a secured channel.

What is the loan term?

The minimum loan term offered by JuanHand is three months, and the maximum is six months.

Financial products

JuanHand
JuanHand Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
2 000 - 15 000 ₱
Rate
i

Effective interest rate on the product

up to 0.5% per day
Term
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Loan term for the financial product

30 - 180 days

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JuanHand loan calculator

Calculate loan payments at JuanHand. Loans calculator will allow you to calculate an approximate payment schedule for the loan.

JuanHand calculator
Interest rates are given in accordance with the rates of the JuanHand in Manila as of 03.12.2022
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What to pay attention to when applying for a loan at JuanHand?

Recommendations

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