Are you itching to make a purchase? Are you afraid you’d miss out on that hot item before your next salary? That’s where Lazada Loans could come handy.

With Lazada Loan, you can borrow money from any of the e-commerce’s partner lenders, which you can use on your Lazada purchase.



These loan offers, depending on the accredited lenders you choose or end up with, will come with their respective monthly terms, rules, and more.

With that, here’s a full guide on how you can apply, the requirements, and other details regarding Lazada Loans. Let’s begin.

Table of Contents

How to apply for a Lazada Loan

Step 1: Make sure you have a Lazada Wallet as this is where the loaned money will be deposited. If you still don’t have one yet, follow the setup process in the next section below and come back here.


Step 2: Open the Lazada app and click the wallet icon in the top right corner.


Step 3: Tap Loans.


Step 4: Scroll down and choose your preferred Lazada lender partner. Each lender will have its respective registration process. Simply fill them up and provide all the requirements asked.

Once completed, wait for approval from the lender.


Step: You shall receive an SMS or push notification from Lazada that the funds have been successfully credited to your Lazada Wallet.

Once you’ve confirmed that the money is there, you can now start shopping and use Lazada Wallet as a mode of payment on checkout.

How to set up Lazada Wallet

Step 1: Open the Lazada app on either an Android or iOS device. In the top right corner, tap the wallet icon.


Step 2: Tap Activate My Wallet.


Step 3: Make sure that the mobile number entered is correct. Then, tap Send Code.


Step 4: Input the 6-digit one-time password (OTP) sent to you via SMS. Once successful, you’ll be redirected to the My Wallet page.

What accredited lenders are available on Lazada Loans?

  • Flexi Finance
  • Cashalo
  • BillEase
  • PayLater
  • TendoPay
  • InvestEd
  • UnaPay
  • JuanHand
  • LendPinoy
  • Plentina
  • DigiDo

Where is the Lazada Loans page?

Website or browser: You can check out Lazada Loans by going to this link.

App: The page is accessible right on the dashboard.

What are the minimum and maximum amounts I can loan from Lazada?

For first-time lenders, loaners can borrow as high as Php4,000 to a maximum of Php20,000, where the minimum loanable amount is Php500 while the max is Php50,000.

Your credit limit will increase when you pay in full and/or on time.

How much is the Lazada Loan interest rate?

Some Lazada lender partners offer 0% interest for first-time loaners. After that, interest rates can go from 2% to 4%. That’s without the processing fees.

What are the requirements for Lazada Loan?

The requirements will depend on the lender you choose. But, the minimum requirement is a government valid ID, which could be a passport, SSS, Pag-ibig, Driver’s License, etc.

Other lenders may also ask for a proof of billing and your latest pay slip.

How to pay Lazada Loan?

The modes of payment will depend on the lender you chose as the payment will be sent directly to them and not to Lazada.

Most lenders accept bank transfers, over-the-counter payments, online wallets, etc.

Where can I use my Lazada Loan?

Since the loan amount will be directly credited to your Lazada Wallet, you can only use it for purchases within the platform.

Can I apply to other lenders if my application was denied?

Yes. You can apply to other lenders if you’ve been denied from a different one. In fact, you can apply from multiple lenders at a time, so you can choose from the best loan that fits you.

How long before I receive my loan from Lazada?

Once the lender has approved your loan, the amount shall be credited to your Lazada Wallet account after a couple of hours, or up to 24 hours. That’s during business days, from Monday to Friday.

Can you loan cash from Lazada?

No. The amount you’d be loaning will be sent directly to your Lazada Wallet, which can only be used on any items available within the platform.

Does Lazada Loan require a guarantor?

No. Since the amount is lower than your usual housing or auto loan, there’s no need for a guarantor.

Those are the things you should know when getting a Lazada Loan. If you have further questions, feel free to ask them in the comments section below and someone from the team or the community will try to help you out.

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