Frequently asked questions

Onehand is now available on both Android and iOS devices. You can download it here: Playstore and Appstore

Onehand app is available 24/7. You can apply anywhere and anytime you need it.

Only a smartphone, one (1) valid ID and a selfie is all you need. No additional requirements and collateral needed. Just download the app, complete the registration and apply.

First loan amount ranges from P2,000.00 to P5,000.00 and can grow up to P50,000.00 if you pay on-time regularly.

Keep using the Onehand Loans regularly and maintain good credit record to avail higher amount with longer terms.

Loan decisions are based on Onehand’s credit and underwriting models that take into account many factors, including your loan application information and identity verification points. We advise that you keep a good standing by paying on time and you may be able to qualify for a higher loan in the future.

You may choose to receive the fund from Padala/Remittance Centers(RD Pawhshop or M Lhuillier), directly from your bank account, or through e-Wallets (Gcash, Coins.Ph, or ECPay).

For Padala/Remittance Centers channel:
An SMS with the Contract number/Reference number will be sent to you once your loan is ready and available for pickup. Just present a valid with signature upon claiming your loan.
Please also note that the service charge will be deducted from your loan.
For Bank/e-Wallets Channel:
You loan will be automatically transferred to your account once it is ready.
You can view all the information about your loan in Onehand App.

If Payment Failed shows in your loan status, it means there are errors occurred in sending your loan to your preferred disbursement channel.
If this occurs, kindly reach us through our Customer Service in Onehand app or through our Facebook Page for withdrawal account verification, correction, or change of withdrawal channel.
Reminder: A series of question will be asked to ensure the authenticity of the user as the legal owner of the account.

Once your loan has been disbursed, we are no longer be able to change the withdrawal channel.
If you want to change your withdrawal channel for your future application, kindly contact us through Customer Support in Onehand App.

Our goal is to apply your payment to your account as soon as you possible. On rare occasions, there is a delay and we aim to resolve it as soon as possible.
Any time you make a payment, please give us 24 hours to apply the payment to your account before contacting us. Sometimes there is a delay in reporting your payment to us from the center you paid at.
If you still do not see your payment reflected on your Onehand App after 24 hours, kindly contact us with the following information:
A clear picture of your payment receipt or OR.
Make sure we are able to read ALL of the following information:
- Invoice ID
- Amount
- Date
- Time the payment was made
Once we have ALL this information, we will be able to look into your account and take all the necessary actions.

You can repay your loan at all 7-Eleven, M Lhuillier, RD Pawnshop branches, ECPay, TrueMoney, or GCash. Take note of your Repayment Contract Number on your Onehand App. You will also receive these details thru SMS on your due date.
If you did not receive this information, please message us through our Customer Service in Onehand App.
PAYING THRU 7-ELEVEN (via Cliqq App or Kiosk) or GCash
1. Click Bills Payment.
2. Choose Skypay.
3. Put the Repayment CONTRACT Number and your Mobile number.
4. Put the exact amount for repayment.
Keep your transaction record or receipt in case of a payment dispute.
PAYING THRU REMITTANCE CENTER (M Lhuillier or RD Pawnshop)
Fill up the Bills Payment Form
Company Name: Onehand / SKYPAY
Put the Repayment CONTRACT Number and your mobile number.
Put the exact amount for repayment
Keep your transaction record or receipt in case of a payment dispute.

Yes, you can definitely pay in partial installment amounts or in full before the given due date! There are no penalty fees for paying early. In fact, early and on-time payments may help you qualify for larger loans in the future.

There will be a daily penalty charge on top of your existing loan balance if you do not pay your loan on or before your due date. To avoid having the overdue penalties, kindly settle your payment as soon as possible.

REMINDER: 7-Eleven, M Lhuillier, RD Pawnshop, ECPay, TrueMoney, or GCash are Onehand’s only authorized payment methods. We wish to remind our customers that payments NOT Made through these channels will NOT be processed.
If your balance is left unpaid, you will be endorsed to one of our debt collections partners and will contact you to make payment arrangements. Failing to settle your balance after multiple notices may affect your credit standing with Onehand Philippines and may also affect your credit score. Onehand reports to the Credit Information Corporation (CIC) regularly.