Professional Filipino businesspeople in a modern office, warm natural light, clean bright environment, confident and approachable atmosphere
Zoe Financial Loan Services

Loans up to
PHP 5,000,000

Flexible loan terms from 6 to 36 months at just 0.5% interest. Helping Filipino families and businesses grow — one loan at a time.

PHP 50,000Minimum Loan
0.5%Interest Rate
Up to 36 monthsLoan Term
View Loan ProductsContact Us
Loan Products

Clear terms,
no surprises

Loan Amount

From

PHP 50,000

Up to

PHP 5,000,000

Whether you need capital for personal needs or business growth, we have a loan amount that fits your situation.

Interest Rate

0.5%

Competitive monthly interest rate designed to keep your repayments manageable.

Loan Term
6months min
36months max

Choose a repayment period that suits your financial capacity — from 6 months to 3 years.

Online Hours
Open 6:00 AM
Close 7:00 PM

Online transactions available during these hours, Monday through Saturday.

Activation Account

Required for First-Time Applicants

The Activation Account payment is required before proceeding with the loan process. This is a one-time step to activate your account with our company — a required step for all first-time applicants to ensure the security and integrity of every loan transaction.

Learn More
Process

How it
works

Five straightforward steps from inquiry to loan release. No complicated procedures.

Filipino loan officer at a bright modern desk, warm office lighting, professional and friendly atmosphere
01

Initial Contact

Inquire & Consult

Reach out to our team via phone or email during online transaction hours. Our loan officers will walk you through available products and help you find the right fit.

Person organizing documents and paperwork on a clean desk, well-lit office, orderly and professional environment
02

Documentation

Submit Requirements

Prepare your valid IDs, proof of income, and other required documents. Our team will guide you through the complete requirements checklist.

Person using smartphone for mobile banking transaction, bright clean background, modern digital payment environment
03

Activation

Account Activation

First-time applicants complete the required activation account payment. This one-time step secures your account and initiates the official loan process.

Financial professional reviewing documents and laptop, bright open office, focused and efficient work environment
04

Review

Loan Processing

Our team reviews your application and documents. We work efficiently to process your loan and get you a decision as quickly as possible.

Person receiving cash or checking bank account balance on phone, celebratory and positive atmosphere, bright natural light
05

Disbursement

Loan Release

Upon approval, your loan proceeds are released promptly. You can now use your funds for personal needs, business capital, or any purpose you intended.

About Us

Trusted by thousands
of Filipinos

Since our founding, Zoe Financial has been committed to providing accessible, transparent, and reliable loan services to Filipino families and businesses across the country.

5,000+Clients Served
PHP 2B+Loans Processed
10+Years of Service
98%Client Satisfaction
Filipino professional woman smiling confidently in office attire

Maria Santos

Loan Officer
Filipino professional man in formal business attire, confident expression

Ricardo Dela Cruz

Senior Advisor
Young Filipino professional woman with warm approachable smile, office background

Ana Reyes

Client Relations
Get in Touch

We're here
to help

Phone09690971977Available during online transaction hours
Emailzoefinancial@gmail.comWe respond within 24 hours
AddressPIA-A Business Center, P. Guevarra St., LagunaVisit us in person
Online Transaction Hours
Opens6:00 AM
Closes7:00 PM
Transactions accepted within these hours only

For inquiries outside transaction hours, send us an email and our team will respond on the next business day.