Kabayan Finance Instalment

APR: 332.4% Representative
Loan amount: £300 - £1,000
Repayment duration: 3 - 12 Months
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Our review of Kabayan Finance Instalment

Our review by Chris
Written by: Chris
Consumer sentiment


Kabayan Finance is a UK-based lender founded in 2009 which specialises in catering to our Filipino community. The company offers a bilingual service in both English and Tagalog, which could be helpful for people who are finding it difficult to understand complicated loan conditions in a second language. Kabayan Finance describes itself as a responsible lender which offers both instalment loans repayable in 3, 6 or 12 months (the focus of this review)  and high cost short term loans, which they describe as a ‘cash advance’, repaid over 20 to 40 days.

Applications to Kabayan Finance can be completed online or by phone without application or arrangement fees. Repayment plans and values for their instalment loans range from £100 to £1000. The company charges a fixed interest rate, linked to the length of the loan, so that it’s easy to understand how much you’ll need to pay back. Kabayan Finance is a relatively small lender, so there are few customer reviews out there - it’s hard to tell how people really feel about the company at this point, although there are positive testimonials on the website.

If you pay a fast application fee of £5, Kabayan Finance will send through your money within two hours of a successful application. Although the company advertises that there are no application or arrangement fees, you must make sure that you pay them back on time. Failure to do this will result in a late payment fee and you’ll still be charged interest at the fixed rate on any remaining debt.


My Verdict: Kabayan Finance is a small lender which specialises in loans for the British Filipino community with bilingual services. Their loans come with no application or arrangement fees. Their fast payment option is £5 and fixed interest rates make it easy to plan for repayments. Just be sure you’ve compared your options and are confident you can afford the repayments before you apply.



  • Online account management
  • Offers a competitive rate for a loan of this type
  • Bilingual services for Filipino customers
  • Clear rates and defined repayment time

Minimum criteria

  • A £5 Faster Payment fee will be added to your first repayment
  • Deposits funds into your account 2 hours after
  • Late payment can incur fees up to £10
  • To apply to Kabayan Finance you will need to be 21 or over
  • You must be a UK resident
  • You cannot be bankruptcy or have IVAs
  • You must be in full time employment
  • You must have a valid bank account and debit card


  • Maximum APR 332.4%
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £10

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About Kabayan Finance Instalment

Kabayan Finance is a short term lender offering loans from £300 to £1000 repayable in 3, 6 or 12 months. They specialise in loans for the Filipino community in the UK, and offer bilingual services, both in English and Tagalog. 

This profile has been claimed
Provider last seen: 1:41pm 21/8/2017
Product data last updated: 3:42pm 5/9/2017
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk