etomo 1.0.2

etomo offers loans of up to P100,000 with flexible repayment terms of 180, 270, or 360 days. etomo is a loan application product provided by AND Financing Corporation (AND FC), a registered financing company in accordance with SEC Registration No. CS201840930 and Certificate of Authority to Operate (as a Financing Company) No. 1187.

AND FC is committed to providing accessible and inclusive financial services to individuals who may not have access to traditional banking and financial services. We strictly adhere to local regulations and standards, including the Truth in Lending Act of the Philippines (RA3765). Furthermore, we are an official submitting entity of the Credit Information Corporation (CIC) and compliant with RA9510, the Anti-Money Laundering Commission, and the National Data Privacy Commission.

The loan application requirements are as follows:

• Valid government ID
• Valid registered phone number
• Voice verification
• Latest pay-slip copies
• Certificate of Employment

You may apply for an etomo loan if you meet the following criteria:

• Working in Metro Manila
• Living in Metro Manila, Cavite, Laguna, Rizal, or Bulacan
• Currently regularly employed for 6 months or more
• Has a salary of at least P18,000 per month
• Has an SSS number
• 21 years old and above

Your privacy and consent are of utmost importance to us. We strictly adhere to the Data Privacy Act of 2012 (RA10173) and its Implementing Rules and Regulations. Please review the Privacy Policy, Terms and Conditions, and Loan Agreements (including Disclosure Statement) before proceeding with the application and loan disbursement.

To apply for a loan, follow these steps:

1. Download the etomo app
2. Fill out the fast loan application in the app
3. Undergo verification through our secured AI, Machine Learning system
4. Once approved, your cash will be directly sent to your nominated bank account in minutes.

For repayment information, please visit https://lendpinoy.ph/faq/#repayment.

etomo offers loan products of up to P100,000 with 6, 9, and 12-month installments. The monthly interest rate is 6% (maximum APR 72%) with a processing fee of 3% and no hidden fees. Please see the following representative example:

• Loan amount: P6,000
• Term: 6 months
• Monthly interest rate: 6.00% (APR 72%)
• Effective monthly interest rate: 9.56%
• Processing fees: P180.00

The sample monthly repayment breakdown is as follows:

• 1st month: P787 principal + P573 interest = P1,360
• 2nd month: P862 principal + P498 interest = P1,360
• 3rd month: P944 principal + P416 interest = P1,360
• 4th month: P1,035 principal + P325 interest = P1,360
• 5th month: P1,134 principal + P226 interest = P1,360
• 6th month: P1,238 principal + P122 interest = P1,360

Total principal payment is PHP 6,000 and total interest cost is PHP 2,160.

At etomo, we prioritize responsible borrowing and strongly encourage financial literacy. For each loan, we provide a Disclosure Statement that you must review and agree to before the loaning process can proceed. We urge our customers to review all fees, charges, and terms and conditions of their loan offer before accepting the loan.

If you have any inquiries or comments, please contact us at [email protected] and we will be happy to assist you. For feedback, questions, or concerns, you can reach us through the following channels:

• Website: https://etomo.ph
• Email: [email protected]
• CS Hotline: 0917 877 5363 (Globe), 0961 660 0658 (Smart)
• Facebook: @etomo