Bene

Wing of Integrity Lending Corp.

About this app

Bene is a convenient microloan app in the Philippines. When facing emergency expenses or being short of funds, download Bene and get yourself financial freedom.

Quick & Easy to Apply
Requirements
1.Filipino citizen
2.Aged 18-65 years old
3.Valid government-issued ID (UMID, driver's license, passport, etc.)
4.Stable source of income
Application Process
1.Download the App
Get the Bene app from Google Play Store or the official website.
2.Register Account
Sign up with a valid ID.
3.Complete the File
Fill out personal information, contact details, employment information and ID document information. All information is necessary for application and will be under strict security.
4.Approval & Disbursement
Approval usually takes 5 minutes, with disbursement within 60 minutes.
5.Receive Funds
Loan will be disbursed directly to the channel of your choice, such as Maya, GCash, or other supported e-wallets.

Transparent Pricing Structure
Bene offers loans ranging from ₱3,000 to ₱10,000, and you can flexibly repay within 90 to 120 days to feed your need. Our service is in the following price structure:
Daily Interest Rate: 0.3% (well below the SEC ceiling of 0.4% daily EIR)
Maximum Annual Percentage Rate (APR): 108% (including all applicable fees)
Loan Terms: 90-120 days
A Loan Example:
Loan Amount: ₱10,000
Loan Term: 90 days
Daily interest rate: 0.3%
Daily Interest: ₱30 (0.3% of ₱10,000)
Total Interest: ₱30 (Daily Interest) × 90 days = ₱2,700
Total Repayment: ₱10,000 (principal) + ₱2,700 (interest) = ₱12,700
You can enter the amount you need in the app to preview how much you'll have to repay, with no hidden fees.

Benefits of Choosing Bene
EFFICIENY
Our service is available 24 hours a day. Funds will be disbursed within an hour once your application is approved.
FLEXIBILITY
Loan term ranges from 90 to 120 days to suit your needs.
TRANSPARENCY
No hidden fees. Daily interest rate and maximum annual percentage rate comply with SEC's regulations, and are clearly indicated in the app.
SECURITY
We comply with the Philippine Data Privacy Act (RA 10173) and use advanced encryption to protect your personal information.

Bene Cares about Data Safety
Bene is developed by WING OF INTEGRITY LENDING CORP.
DOING BUSINESS UNDER THE NAMES AND STYLES OF BENE, and EASY BORROW, a legitimate financial institution registered with the Philippine Securities and Exchange Commission (Registration No. CS201916097, Certificate No. 3103). We use encryption protocols to protect your personal information, ensuring data privacy and secure transactions. We strictly adhere to the Philippine Data Privacy Act (RA 10173) and commit to responsible lending.

Want any Help?
We are ready to help you anytime! Please don't hesitate to contact us if you have any questions.
Company Email: [e-mail]
Company Phone: [phone]
Website: https://www.benephapp.com

Ratings and reviews

found the app's interface quite intuitive and easy to use. When filling out the application form, the instructions were clear, so I didn't have to worry. Furthermore, the payment reminder notifications were very helpful in avoiding late payments. I also found the information regarding loan due dates to be transparent and easily accessible at any time.

The app is easy to use. However, the problem is their agent that keeps harassing borrowers. Even if they said that the deadline is at 10AM in the morning, they will be sending you messages starting 5AM with threats messages and all. The agents should be educated to only send a follow up if the borrower did not pay yet on the said deadline, you offer a higher interest loan so maybe you could also work on how you address borrowers properly, cause we did not borrow your money for free.

The loan application process here is incredibly simple! I usually find applying for loans a hassle, but this time it was so easy and quick. The user interface is user-friendly, and every step is clear and straightforward. It's unbelievable—I got the loan I needed in such a short time!

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