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Zaimoo review

Marketplaceforwards your application2.8/5

We are not recommending Zaimoo. Its homepage cannot keep its own numbers straight — ₱25,000 in the headline, ₱40,000 in the rate disclosure, ₱50,000 in a product tile, and a 14-day promotional loan against a minimum term it states as 61 days on the same page. The maximum rate it advertises, 365% a year, is roughly five times the nominal ceiling for the small short loans it promotes, and one tile claims a rate of 16.7% a day. It does name three of the credit institutions behind it, which is worth something; use those names and go direct.

Loan amount
Up to ₱40,000 in the site's own rate disclosure. The same page headlines ₱25,000 and shows a ₱50,000 product tile
Repayment term
From 61 days to 60 months
Advertised rate
Minimum 11.9% per annum, maximum no more than 365% per annum, set by the matched lender. A product tile on the same page advertises "From 16,7% a day"
Fees
Zaimoo charges the borrower nothing; the cost is set by whichever credit institution it forwards you to
Marketplaceforwards your applicationSEC check pending

Zaimoo is a marketplace, not a lender. You submit one application and it forwards your details to lenders it works with. It does not need a Certificate of Authority because it never lends — the licence that matters belongs to whichever lender you are matched with.

We have not finished the SEC lookup for this provider. Until we have, verify it yourself on the SEC lists before applying.

Densure LLC, registration 08217974, of Komitas Avenue, Yerevan, Armenia, per its own footer. No Philippine Certificate of Authority is published and none is required if it does not lend. Note a conflict worth knowing about: several third-party review sites describe Zaimoo as an SEC-registered direct lender with its own app, and at least one says it is not registered at all. The operator's own site says it does not lend, and that is what we have gone with. Still to check: the brand and the operator against the SEC advisories list, and which entity receives the application data.

Check the SEC lists yourself

Go to Zaimoo

Our rating

out of 5 — Weak

Our own assessment, not a customer poll. Scored on 3 of the 5 criteria that apply to a marketplace, covering 75% of the rubric weight. How we rate

Regulatory standing · 25%
6/10
Cost transparency · 20%
2/10
Who you borrow from · 15%
5/10
Data handling · 10%
Not assessed
Getting approved · 10%
Not assessed

Sub-scores are held on a 0–10 scale and shown that way for precision; the headline converts them to the 5-point scale. Cost of credit is not scored here: a marketplace does not set the price, so the criterion does not apply and its weight is spread across the rest.

Key facts

Loan amountUp to ₱40,000 in the site's own rate disclosure. The same page headlines ₱25,000 and shows a ₱50,000 product tilesource
Repayment termFrom 61 days to 60 monthssource
Advertised rateMinimum 11.9% per annum, maximum no more than 365% per annum, set by the matched lender. A product tile on the same page advertises "From 16,7% a day"source
FeesZaimoo charges the borrower nothing; the cost is set by whichever credit institution it forwards you tosource
First-loan offerUp to ₱15,000 at 0.01% for 14 days advertised for new clients, a term shorter than the 61-day minimum stated on the same pagesource
Registered nameDensure LLC

We publish a figure only where we can point at the provider’s own published page. Everything else says “see lender terms”.

Who it suits

Hard to recommend to anyone as it currently stands. If you do use it, treat the three credit institutions it names as the useful part and check each against the SEC list yourself before you fill anything in.

Trade-offs

In its favour

  • Says plainly that it does not lend and is an aggregator, which is the one thing most sites of this kind bury
  • Names three of the credit institutions on the platform, and publishes a Certificate of Authority number for one of them
  • Offers payout by bank card, e-wallet or cash rather than a single route
  • Browser-based, so nothing asks for access to your contacts

Against it

  • The page contradicts itself on the basics: ₱25,000 in the headline, up to ₱40,000 in the rate disclosure, a ₱50,000 product tile, and a 14-day promotional loan against a stated minimum term of 61 days
  • The maximum rate it advertises is 365% a year, about 30% a month, against a ceiling of 6% nominal and 12% effective a month on the small short loans it promotes
  • A product tile advertises "From 16,7% a day". If that is a typographical error it has been left on the homepage; if it is not, it is far outside anything lawful
  • Two testimonials appear with no name or date, and one of them describes receiving ₱30,000 at 0% from a site that states on the same page that it does not lend money
  • One of the three named platform lenders is JEFF ESTONIA OÜ, an Estonian company, with no Philippine authority shown for it
  • The operator is an Armenian company with no Philippine entity, so there is no local addressee for a complaint
  • Third-party review sites describe Zaimoo as a direct lender with an app, which its own site contradicts. Be careful what you install under this name

Before you apply

We earn a commission when you apply through some of the links on this page, and that can affect the order providers appear in. It does not affect whether we tell you a provider is a broker rather than a lender, or that we could not verify its registration.

Go to Zaimoo

Borrow only what you can repay. Compare the effective interest rate, including fees, rather than the advertised daily or monthly rate — they are not the same number. Missing payments adds penalties and is reported to the credit bureau. If a lender or collector threatens you or contacts the people in your phone, that is prohibited, and you can report it to the SEC.

Borrower reviews

Nobody has submitted a review of Zaimoo yet. When they do, they appear here in full — we do not write them ourselves and we do not buy them in.

Borrowed from Zaimoo?

Tell other people what actually happened — the amount you were offered, the fees you were charged, how collection was handled. We publish real submissions only, and we read each one first.

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Alternatives to Zaimoo

Other providers we list for the same need. Marketplaces are labelled as marketplaces; direct lenders as lenders.

Moneezy

our rating

Best for Seeing a real example first

Marketplaceforwards your applicationSEC check pending
Amount
₱1,000 – ₱25,000 across partner lenders
Term
61 – 120 days
Rate
Set by the matched lender; its own example works out to 36% APR

We earn a commission when you apply through some of these links, which can affect the order. It never affects the rating, the lender/marketplace label or the SEC status.

See every provider for online loans in the philippines →

What we still have to check on this provider (6)

Published openly on purpose. A review that hides its own gaps is asking you to trust it more than it has earned.

Last reviewed 2026-07-27.