Why choose Fresh Loan:
Because Fresh Loan is a truly secure and legitimate high-limit loan product, our mission is to help every Filipino elevate their financial well-being.

Fresh Loan is operated by JUST SMILE LENDING CORPORATION, a licensed financing company registered with the SEC under Registration No. CS202011342 and holding
Certificate of Authority No. 3379. All our loan products comply with Philippine financial regulations and have an annual interest rate capped at 20%.

Product Information:
Loan Amount: ₱1,000 - ₱50,000
Loan Term: 91 days – 360 days
Maximum Annual Percentage Rate (APR): 20%
Representative Calculation:
91-day loan with a daily interest rate of 0.05%, and the principal amount is ₱10,000:
Total Interest Fee: 91 days×₱10,000×0.05%=₱455
Total Repayment Amount: ₱10,000+₱455=₱10,455
Monthly Repayment Amount: ₱10,455/3=₱3,485

Who Can Use Fresh Loan:
The individual must be a Filipino citizen aged 18 or older
Possess at least one valid identification document
Have a mobile phone number

Why Fresh Loan Is a Suitable Loan Option:
Our loan product is secure and legitimate, complying with all policies of loan products in the Philippines.
All our loan fees are absolutely transparent and clearly disclosed, with no hidden charges whatsoever.
We can offer higher loan amounts and longer repayment terms, helping everyone obtain a loan plan that is most suitable for their needs.

Contact Us
If you have any questions, please feel free to contact us at any time：
Email: [email protected]
Address: UB, 111 Paseo de Roxas Building, Legazpi Village, San Lorenzo, Makati, NCR, Fourth District Makati, Metro Manila, 1223 Philippines
Privacy Policy: https://www.justsmilelending.com/html/PrivacyPolicy.html