etomo is a reliable online lending application owned and operated by Etomo Financing Corporation (Etomo FC). Etomo FC is a duly registered financing company with the Securities and Exchange Commission (SEC) of the Philippines with SEC Registration No. CS201840930 and Certificate of Authority No. 1187 to operate as a financing company.
FINANCIAL PRODUCTS
etomo Revo
Revo is shorthand term for “etomo Revolving Loan”. It grants the borrowers flexibility in their finances!
• Re-loan at any time as long as there is available credit!
• Monthly minimum payment amount is only 8% of the outstanding balance.
• Flexible payment period - Paying more than the minimum can shorten the loan period.
• Flexible due date - Choose between the 2nd or 17th day of the month as your due date.
• Rewards program - 10% discount on the interest amount if you pay on time!
• No service fee or hidden charges!
Daily Interest Rate: 0.177%
Effective Monthly Rate: 5.4%
Effective Monthly Rate with On-Time Reward: 4.86%
Revo Loan sample computation
Credit Limit: 20,000
Loan Amount: 8,000
Credit available for additional loan: 12,000
Minimum monthly payment: 8000 x 8% = 640
Round up minimum to the nearest multiples of 50: 650
Daily interest after 30 days: 0.177% x 30 days x 8,000 = 424.8
Principal payment: 650 - 424.8 = 225.2
Remaining balance: 8,000 - 225.2 = 7,774.8
If payment is made on-time
Minimum monthly payment: 8000 x 8% = 640
Round up minimum to the nearest multiples of 50: 650
Daily interest after 30 days: 0.177% x 30 days x 8,000 = 424.8
10% reward on the interest: 424.8 x 10% = 42.48
Interest due after reward = 424.8 - 42.48 = 382.32
Principal payment: 650 - 382.32 = 267.68
Remaining balance: 8,000 - 267.68 = 7,732.32
etomo Term
Term is a loan product with fixed monthly payment and amortization plan of 6- or 9-months. 12-months becomes available on the second and succeeding loans.
• Re-loan available after full payment of the current loan.
• Fixed monthly payment.
• Choose between a 6- or 9-month payment period for first-time borrowers. A 12-month payment period is available for re-loans.
• The first payment is due 30 days after disbursement, with subsequent payments every 30 days thereafter.
• No service fee or hidden charges!
Term Loan sample computation
Loan amount: 6,000
Term: 6 months
Monthly interest rate: 6.00%
Effective monthly interest rate: 9.56%
Sample monthly repayment: (Principal + Interest)
1st month: 787 + 573 = 1,360
2nd month: 862 + 498 = 1,360
3rd month: 944 + 416 = 1,360
4th month: 1,035 + 325 = 1,360
5th month: 1,134 + 226 = 1,360
6th month: 1,238 + 122 = 1,360
Total principal payment PHP 6,000 and total interest cost PHP 2,160
How to Repay Your Loan
Our official payment channel are GCash, Maya, or CliQQ by 7-Eleven
• Go to the Bills or Bills Payment
• Search for “Etomo” as the biller
• For any questions or assistance, please contact etomo Customer Service
Privacy & Consent
The protection of your personal information is our utmost priority, we strictly adhere to the Data Privacy Act of 2012 (RA10173) & its Implementing Rules & Regulations. For data privacy concerns, please contact the Data Protection Officer at dpo@etomo.ph.
Legal & Compliance
Etomo FC strictly adheres to the local regulations & standards, including the Truth in Lending Act of the Philippines (RA3765). We are an official submitting entity of the Credit Information Corporation (CIC), in compliance with RA9510. Moreover, we are compliant with the Anti-Money Laundering Commission & National Data Privacy Commission. Please read all terms and conditions before proceeding with any transaction.
Contact Information
For any inquiries or comments, immediately message us at contact@etomo.ph & we shall gladly assist you. If you have any feedback, questions, or concerns, please contact us at:
Website: https://etomo.ph
Email: contact@etomo.ph
CS Hotline: 0917 877 5363 (Globe), 0961 660 0658 (Smart)
Facebook: @etomo
Excellent Customer Support Makes All the Difference
_el03
While the app itself could use some improvements—especially with the confusing sign-up process that flagged my account as already existing despite it being my first time—the real highlight was the customer service. After getting stuck on the review screen post-registration, I reached out to support via email as advised. Thankfully, they were quick to respond.A special shoutout to Julie, the customer representative who guided me through the entire process. She was friendly, and approachable, which made me feel at ease and confident to proceed. Her assistance truly turned a frustrating experience into a smooth one.Thanks to the excellent support, I can recommend this application to others.
Developer Response
Hi, Kaibigan! Our Customer Service Agents are trained to have our clients' best interests in heart, we're happy that this is shining through! Thank you for your comment and rating! :-) 💙
Excellent Customer Service and Support
Zainrryche
I had a good experience with eTomo. The application process was convenient and easy to understand, and my loan application was processed smoothly. I especially appreciate the staff who were very hands-on and accommodating throughout the processing of my application. They were responsive, helpful, and guided me whenever I had questions or concerns.I hope eTomo continues to provide excellent customer service and considers offering lower interest rates, higher loan limits for responsible borrowers, and more flexible repayment options. Overall, I’m satisfied with my experience and would consider using eTomo again in the future. Thank you to the team for your assistance and support!
Developer Response
Wow! Thank you, Kaibigan, for your kind review! We take pride in making sure that our products and services fit perfectly to the needs of our mga Kaibigan! :-) Stay safe! 💙💙💙
Great App!
Jaypssss11
I would like to express my sincere appreciation for the excellent experience I had with Etomo's online loan application process. From start to finish, the entire process was fast, seamless, and secure, making it both convenient and stress-free.I would also like to extend my heartfelt thanks to **Sir RJ**, whose exceptional assistance made a significant difference throughout my application. He demonstrated professionalism, expertise, and outstanding customer service by patiently guiding me through every step, answering my questions clearly, and ensuring I felt confident and well-informed during the entire process.Because of his support, my loan was processed efficiently, and I received my funds promptly without any concerns about the legitimacy or security of the service. His dedication and commitment to providing excellent customer care truly exceeded my expectations.Overall, Etomo has proven to be a reliable and trustworthy financial service. I am extremely satisfied with my experience and will gladly recommend Etomo to my family, friends, and colleagues who are looking for a fast, secure, and dependable online lending solution.
Developer Response
Wow! So much love for our team member! Thank you so much, Kaibigan for your kind words! We look forward to serving you over and over! Stay safe! 💙
Great App!
AthenaJkjk
This is to share my positive experience with your online loan application process. I recently applied for a cash loan through the Etomo app and was very impressed by how smooth and secure the entire transaction was.I would like to specifically commend Miss Roma, who assisted me during the process. She is a clearly trained professional and a customer service specialist who made me feel confident and informed throughout the application. Thanks to her assistance, I received my funds immediately and without any concerns regarding the legitimacy of the service.It is a great app, and I will certainly be recommending Etomo to my friends and colleagues who may need similar financial services.
Developer Response
Wow! So much love for our team member! Thank you so much, Kaibigan for your kind words! We look forward to serving you over and over! Stay safe! 💙
This release fixes a few bugs and improves overall performance for a smoother experience.
Version 1.1.52
The developer, Etomo Financing Corporation, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
User Content
Identifiers
Sensitive Info
Body
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
Etomo Financing Corporation
Size
40.8 MB
Category
Finance
Compatibility
Requires iOS 15.0 or later.
iPhone Requires iOS 15.0 or later.
iPad Requires iPadOS 15.0 or later.
iPod touch Requires iOS 15.0 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.