What is a Lazada loan? Lazada loan is the payment method that is available on the Lazada platform. Do you want to know more about its benefits in the Philippines? This article will help you to get all the information you need. 

Related: What is Lazada Philippines?

What Is Lazada Loan

F:articleNew folder(1)gambarjpg-86531-Best-Lazada-Loan-Providers.jpg

What is a Lazada loan? Lazada Loans provide shoppers with an alternative way to pay for their online shopping bills. In this Lazada loan Philippines, Lazada partnered with accredited mobile lenders to make this feature possible.

A Lazada Loan allows shoppers to buy the items now and pay later with easy installment plans minus the Lazada loan requirements. You can apply for a loan directly through the Lazada website or app and have your application approved within the same day. Once approved, you can use the loan amount to buy items from Lazada or pay your bills within the Lazada application.

The Benefit Of Lazada Loan 

What is the benefit of using the Lazada Loan? Here are the benefits of the best Lazada Loan you need to know.

Related: Lazada Vs Shopee in the Philippines

Do You Want to Manage Multiple Marketplace Just by Single Person?

Of course you can! You can handle multiple stores from all marketplace just by single dashboard. Cut your Business’s cost, and Boost your Efficiency at the same time.

Easy Application

F:articleNew folder(1)gambarimages (13)(1).jpeg

The first benefit of using the lazada loan is easy to apply. The entire process happens on the Lazada app. No need to head somewhere to apply and withdraw your proceeds.

Low Interest Rate

F:articleNew folder(1)gambarPPC-metrics-what-sem-metrics-to-measure.png

How is Lazada loan interest rate? Lazada has installment partners that offer a 0% interest loan for first-time lenders. Succeeding loans, on the other hand, will be subject to normal interest rates, which are usually from 2% to 5%.

Fast Approval 

F:articleNew folder(1)gambarfast-approval-rubber-stamp-text-inside-illustration-92112600.jpg

Since the process is entirely digital, the approval of Lazada loans online can be so quick. It may take 5 minutes only but certainly not longer than 24 hours.

Accredited Lenders

F:articleNew folder(1)gambarborrow money grow business.png

You can apply for more than one Lazada loan partner, you can choose from accredited lenders who are partnered with Lazada.

Flexible Installment Plan

F:articleNew folder(1)gambarimages(1).jpeg

You can choose an installment loan lazada plan of up to 24 months. However, there might be some conditions involved. Lazada has one partner that offers the 12 months or 24 months payment terms only to repeat customers.

How To Find Lazada Loan Page

F:articleNew folder(1)gambarimages (7)(1).jpeg

You can find the lazada loan page by following this steps :

  • Go to https://pages.lazada.com.ph/ or you can type the http://lzd.co/loans into the web browser
  • If you are using app, you can see the lazada wallet homepage, there will be a clickable loans service icon
  • If on app, in the lazada wallet homepage, there is also a clickable banner in the promotion section
  • If on desktop, on lazada homepage, there is a clickable banner at the bottom
  • If on desktop, there are lazada loans side banners tied to campaigns
  • In the specific seller stores, there are also the clickable banners

How To Apply For Lazada Loan 

F:articleNew folder(1)gambarimages (3)(2).jpeg

Open the Lazada app and login to your account.

  • Make sure you have activated your lazada wallet or you can Tap the Wallet icon on the upper right corner then Tap the Activate My Wallet button.
  • Verify your phone number and tap Send Code.
  • Input the OTP you received thru text and tap Verify Mobile Number.
  • Once your number is verified, you will receive an SMS and in app notification when the funds have been credited to your lazada wallet then you’ll be redirected to your Lazada Wallet

Your Selling Stock is Messing Up? You Need Help!

Ginee Omnichannel allow you to automatically sync every stock from all of your online stores. It’s faster way to helps you profit!

What Are The Requirements

F:articleNew folder(1)gambarimages (6).jpeg

Applying for a Lazada Loan is easy. A smartphone is the important thing you need and also the following requirements.

  • Valid government-issued ID (passport, driver’s license, UMID, etc.)
  • Proof of billing (depending on the lender)
  • Screenshots of your Lazada account
  • A Lazada account with an activated Lazada Wallet

You need to activate your Lazada Wallet because that’s how you will collect your loan proceeds after your loan request is approved. Once you’re done preparing your requirements, go back to your Lazada Wallet dashboard and tap Loans. You’ll then be redirected to the Lazada Loans page. From there, choose an accredited lender. Note that each lender offers different loan amounts and some might ask for additional requirements.

What Are The Loan Payment Terms

F:articleNew folder(1)gambarTerm-of-Payment.png

You may choose the terms of up to 90 days subject to terms and conditions of Lazada loan for seller. These payment terms depend on what loan partners in the Philippines did you choose. Here are some recommendation lazada loan partners in the philippines

  • BillEase
  • Paylater
  • TendoPay
  • Cashalo
  • InvestEd
  • Unapay
  • JuanHand

How To Repay Lazada Loan 

F:articleNew folder(1)gambar5.1blog.jpg

The loan agreement is an exclusive agreement between you and your chosen lender, so you will make the repayments directly to the lender. Most lenders have payment channels, including bank-to-bank transfers and bills payment centers. Make sure you read the loan contract properly carefully to avoid confusion. Don’t forget to read the Lazada loan review before you choose.

Some Important Things To Remember When Applying Lazada Loan

F:articleNew folder(1)gambarimages (14)(1).jpeg

Remember that Lazada Loans aren’t cash loans. The proceeds of the loan come in the form of Lazada Wallet credits, which ensure that the money can only be spent on Lazada purchases. So, beware of agents calling or messaging you that you can pick up your loan proceeds in person.

You have to make sure that you use the exact email address and mobile number registered to your lazada account and don’t change your account details from the moment you apply until your wallet has been credited to avoid the credit failure. Beside that, you also have to make sure that you have already activated your lazada wallet.

For your additional information, as the first lender you are only allowed to get a loan for P4,000 to a maximum P20,000 and the minimum loanable amount is P500 and the maximum is P50,000. When you repay your loan in full and on time, your credit line with each lender will grow and you can loan more money from them.


Lazada Loans is another way to pay your lazada shopping bills. When using this lazada loan, you can buy the items you want now and pay later. But before you can use the lazada loan, you have to fulfill all the requirements and don’t forget to read the review before you choose. Using this lazada loan will give you a lot of benefits such as easy to apply, low interest rate, fast approval, accredited lenders and flexible installment plan.

In the long run, a web-based business is challenging and frustrating. Expansion requires multiple sites across multiple platforms. Keep cool and rely on Ginee Philippines. Ginee Philippines’ company optimization solutions assist you streamline management operations swiftly.

Over 50,000 Asian organizations use Ginee to improve productivity and streamline procedures. That is, what are you thinking as you sit there? Join Ginee today and get started! Ginee can help you start on the path to success.

Upload Products to Shopee and Lazada Automatically! How?

Ginee product management allow you upload products to all of your online stores from all marketplace just once! Save time, save cost, save energy, join Ginee Now!