PLENTINA Review Philippines Loan App Legit? Requirements (2024)

Plentina is a name that is no longer unfamiliar in the Philippine financial community. It is considered one of the most popular online loan apps today.

Are you wondering if this application is reputable or a scam? Let’s find the answer with retailasiaonline.com!

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Summary of Plentina

✅ Plentina Review	⭐ 4.3 star
✅ Guide to	⭐ Register to Plentina loan app Philippines (PH)
✅ Loan amount	⭐ 1.000 – 50.000 Pesos
✅ Age	⭐ 18 – 65 years old
✅ Term	⭐ 100 days
✅ Interest rate	⭐ 0 % interest rate for first loan
✅ Pros	⭐ Online loan monthly payments in Philippines
✅ Cons	⭐ No Online loan guaranteed approval
✅ Evaluate the effectiveness	⭐ Good
✅ Bad credit	⭐ Allow
✅ Feedback	⭐ Read more in this article
✅ Plentina App download APK:	⭐ Link Here

What is Plentina?

Plentina is a quick buy now, pay later application in the Philippines. Plentina lending inc helps you purchase products or services from stores right at the time of need, and pay later with minimal service fees. With this form of payment, you can enjoy a 100-day interest-free offer.

Pros of Plentina App

Plentina review brings many benefits to customers. Here are a few advantages that make the application popular with users:

• Shop freely without worrying about finances. Buy now, pay later helps you get the item you want even if your finances don’t allow it.
• Solve unexpected spending problems: You go to the store and like an item, but your account is not enough and your salary has not yet arrived. Using the service from the app means you can immediately own the product.
• Comprehensive mobile application: All operations from borrowing, payment to repayment are performed on mobile devices. Meet arising needs anytime, anywhere.
• Fast approval: apply for a loan, documents are approved within 5 minutes.
• Large and traditional stores in the Philippines all accept payments from the app, proving its safety and reputation.

Cons of Plentina Loan App

• Plentina review app still has its own shortcomings:
• Only provides small loans, suitable for consumer loans and daily purchases, not suitable for loan purposes that require large capital.
• There is a service fee. Note, service fees will be higher if the repayment term is higher.
• You only use it at Plentina stores and partners, if you go to non-partner stores, the loan will not be accepted.
• Registering is quite easy, leading to users being able to make impulse purchases without being aware of the risk of repaying debt.

Plentina interest rate

Plentina does not charge users interest. Instead, you are charged an equivalent service fee. This fee is affected by the repayment period and the selling partner.

Service fees will increase for longer repayment terms:

• 14 days – 0% to 5%
• 30 days – 4.5% to 9.5%
• 60 days to 100 days – 9.5% to 16%.

Example of Plentina interest rate calculation

Example of Plentina approval:

• Loan amount: 1,000 PHP
• Term: 60 days.
• Service fee: 14% x 1,000 = 140 PHP.
• Total amount payable at the end of the period: 1,000 + 140 = 1,140 PHP.

Plentina loan requirements

To apply for a loan at Plentina you must meet the following conditions:

• Citizens of Philippine nationality, between the ages of 18 – 65 years old.
• Have a Valid ID required, issued by the government: Passport / Driver’s License / Unified Multi-Purpose ID (UMID) / TIN ID / SSS ID / PhilHealth ID / PRC ID / Comelec Voter’s ID / PhilPost ID / Senior Citizen’s ID / PWD ID /OFW ID.
• Shop at stores and shopping centers that are partners with Plentina.

Guide to register Plentina Loan Application Step-by-step

How to apply for a loan at Plentina? The answer will be shortly:

Step #1: Download the Plentina loan application

Go to the Google Play app or App Store depending on whether your phone uses the Android or iOS operating system. Then, enter the keyword “Plentina”, press “download”.

Step #2: Confirm information

After completing the download, press “open” to install the application completely free. Then enter and verify your phone number.

Complete the personal information displayed in your profile. Note, the more complete and detailed the loan approval process is, the easier it is.

Step #3: Upload documents and receive promotion notifications

Take a photo of the identification you have, then take a photo of yourself. Images need to be clear.

After that, the system will send promotional notifications that the app has for you. You will use them to pay for discounts, reducing costs for shopping products.

Step #4: Activate wallet

There are 2 wallets you need to activate. Activate the Cliqq wallet so you can receive your Plentina loan. The second wallet is GrabPay or GCash wallet to pay the loan when due.

​​Reviews Plentina online Loan App Feedback

Plentina review is rated 4.2 stars from clients in Philippines, no complaints and harassment. It is legit and safe, not scam and good customer service.

Plentina loan has been experienced by many users and has left very good feedback.

Plentina loan repayment

How to pay the Plentina loan? You can easily pay off loans through the following online channels:

• Pay directly through the application: GCash and GrabPay are payment apps available inside the Plentina application.
• Any 7-Eleven store.

Compare Plentina loan App Philippines with other loan apps

Comparison criteria	Plentina	Plentina	Mocasa loan
Limits	1,000 – 50,000 pesos	5,000 – 50,000 pesos	3,000 – 25,000 pesos
Tenor	100 days	91 – 180 days	91 – 180 days
interest	14%	4%/month	max 30%/year
Age	18 – 65 years old	21 – 60 years old	21 – 60 years old
Review rate	75%	87%	90%

Sources: Refer to Sate Bank reporting and research.

Plentina customer service

Plentina complaints will be resolved via contact information:

• Contact number : +639995307743
• Email: customerservice@plentina.com.
• Address:  8484 East Service Road Km 18, South Superhighway, Sucat Paranaque City, Metro Manila, Philippines 1700.

FAQs

Here are some questions to answer about Plentina:

Is Plentina sec registered?

Plentina operates a buy now, pay later business under Plentina Lending, Inc. It is registered with SEC Registration No. CS20200001117 and certificate of authority no. 3266. Investors in this application include Techstars, 500 Startups Vietnam Fund and Emergent Ventures. Therefore, its reputation is unquestionable.

How do I prevent Plentina harassment?

When you do not pay on time, Plentina will remind you via text messages and phone numbers. This cannot be considered customer harassment. If you receive a reminder, please contact repayments@plentina.com immediately if you are having difficulty repaying your loan.

How to contact Plentina complaints?

Please contact Plentina via contact number +639995307743 or email address customerservice@plentina.com if you have any questions. The staff is always enthusiastic, thoughtful, ready to answer you at any time.

In conclusion – Should you Apply to Plentina App?

Plentina has been dominating the online lending market in the Philippines because:

• Transparent information, reasonable service fees.
• Brings great benefits and stimulates the economy.
• Committed to protecting customer information.

Plentina is an intermediary bridge between consumers and suppliers. If you are planning to buy a certain product, do not hesitate to choose this application.

Wishing you a pleasant shopping experience.

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