etomo app for iPhone and iPad

Loan up to P100,000 with terms of 180, 270 or 360 days !


etomo is a loan application product of AND Financing Corporation (AND FC). AND FC is a duly registered financing company with SEC Registration No. CS201840930 & Certificate of Authority to Operate (as a Financing Company) No. 1187.

AND FC is devoted to providing accessible and inclusive financial services through technology to people who may not have access to traditional banking and/or financial services.

AND FC strictly adheres to the local regulations & standards, including the Truth in Lending Act of the Philippines (RA3765). We are an official submitting entity of the Credit Information Corporation (CIC), in compliance with RA9510. Moreover, we are compliant with the Anti-Money Laundering Commission & National Data Privacy Commission.



Loan Application Requirements:
Valid government ID
Valid registered phone number
Voice verification
Latest pay-slip copies
Certificate of Employment

You may apply if you are:
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

Privacy & Consent
The protection of your personal information is our utmost priority, we strictly adhere to the Data Privacy Act of 2012 (RA10173) & its Implementing Rules & Regulations. Always read & review the Privacy Policy, Terms, conditions, and loan Agreements (including Disclosure Statement) prior to proceeding with the application & loan disbursement.

How to apply?
Download the etomo app
Fill out our fast loan application in the app
Undergo verification through our secured AI, Machine Learning system
Once approved, your cash is directly sent to your nominated bank account in minutes.

How to repay?
Please visit https://lendpinoy.ph/faq/#repayment for the latest information.

etomo is a loan application products of up to P100,000 with 6, 9 and 12-months installments with 6% monthly interest (maximum APR 72%), with 3% processing fee and no other hidden fees.

Representative Example:
Loan amount: P6,000
Term: 6 months
Monthly interest rate: 6.00% (APR 72%)
Effective monthly interest rate: 9.56%
Processing fees: P 180.00
Sample monthly repayment: (Principal + Interest)
1st month: P 787 + P 573 = P 1,360
2nd month: P 862 + P 498 = P 1,360
3rd month: P 944 + P 416 = P 1,360
4th month: P 1,035 + P 325 = P 1,360
5th month: P 1,134 + P 226 = P 1,360
6th month: P 1,238 + P 122 = P 1,360
Total principal payment PHP 6,000 and total interest cost PHP 2,160


Our Commitment
At etomo, we value responsible borrowing & we strongly advocate financial literacy. For every loan, you will be provided a Disclosure Statement that you will either agree to or discontinue the loaning process. We encourage our customers to always review the fees, charges & terms & conditions of your loan offer before proceeding & accepting your loan.

For any inquiries or comments, immediately message us at [email protected] & we shall gladly assist you.

If you have any feedback, questions, or concerns, please contact us at:
Website: https://etomo.ph
Email: [email protected]
CS Hotline: 0917 877 5363 (Globe), 0961 660 0658 (Smart)
Facebook: @etomo