Frequently Asked Questions

If you are uncertain about the availability of our services for employees of your company, kindly reach out to your HR team to inquire if they have partnered with Vale.

At Vale, we are constantly striving to enhance our services and meet the evolving needs of our customers. While specific plans may vary based on market conditions and customer feedback, here are some general areas we are actively exploring for future development:

1. Expansion of loan products: We aim to broaden our range of loan offerings to cater to different financial needs. This may include introducing specialized loans such as car loans, consumer loans, personal lines of credit, or tailored lending solutions for specific needs and industries.
2. Financing solutions for local businesses: Complementary to our loan products, we aim to boost the local economy by offering Buy now, Pay later solutions for local retailers.

Deferred payment option: Vale is committed to supporting the loca economy by bridging credit loans for product purchases. Through strategic partnerships with local businesses, we will offer affordable financing options, enabling customers to access credit loans specifically designed for purchasing goods. This initiative stimulates local spending, supports business growth, and strengthens local supply chains. Together. We can build a stronger and more vibrant local economy.

1. Improved digital experience: We are committed to enhancing our online platform to provide a seamless and user-friendly experience for our customers. This includes optimizing the loan application process, developing a mobile application for convenient access, and implementing advanced security measures to safeguard personal information.
2. Partner collaborations: We are exploring partnerships with wholesalers, retailers and other financial institutions and service providers to offer integrated solutions and additional benefits to our customers. This may include collaborations with supermarkets, appliance stores, malls, credit bureaus, insurance companies, or financial technology (fintech) firms to bring added value and convenience to our customers.
3. Customer education and support: We believe in empowering our customers with financial knowledge and guidance. Therefore, we plan to expand our educational resources, including blog articles, financial planning tools, and personalized advice to help our customers make informed decisions and manage their finances effectively.

At Vale, we understand the importance of timely access to funds. Once your loan application has been approved, we strive to disburse the loan amount as quickly as possible. In most cases, you can expect to receive the funds within 24 to 48 hours.

However, please note that the exact timeline may vary depending on factors such as the completeness of your application, the verification process, and the method of fund transfer. Rest assured, our team works diligently to expedite the loan disbursement process and get the funds to you promptly.

At Vale, we do not deduct any fees or charges directly from the loan amount. We believe in providing transparency and ensuring that the loan amount you receive is the full amount you requested.

However, it's important to note that there may be processing fees associated with your loan application. These processing fees are typically added to the total payable amount and are paid back over the course of your loan through monthly installments. This way, you don't have to worry about making separate payments for processing fees upfront.

At Vale, we aim to provide a transparent and straightforward lending process, ensuring that you receive the full loan amount without any deductions, while clearly outlining any processing fees that may be applicable and incorporating them into your repayment plan.

At Vale, we strive to offer competitive and affordable interest rates to our customers. We understand the importance of providing loans that are financially manageable and align with your borrowing needs.

The affordability of interest rates can vary depending on factors such as market conditions, loan amount, loan duration, and your individual creditworthiness. When determining interest rates, we take into account various risk factors and strive to provide rates that are fair and reasonable.

To ensure transparency and assist you in making informed decisions, we provide clear information about the interest rates associated with our loan products. We encourage you to review the terms and conditions of the loan, including the interest rate details, to understand the total cost of borrowing.

At Vale, we prioritize creating a safe and respectful environment for all our customers. We are committed to conducting business in a professional and ethical manner, and we strictly prohibit any form of harassment. We want to assure you that we have policies and procedures in place to prevent harassment and protect our customers.

Furthermore, we are committed to maintaining the confidentiality of your personal information. We will never share your information with unauthorized third parties or use it for purposes other than those outlined in our Privacy Policy.

As part of Vale's commitment to improving the image of lending companies and combating negative industry practices, we are proud to offer free legal benefits to our valued members. This unique benefit is designed to empower our customers and provide them with access to professional legal assistance. By offering free legal benefits, we aim to promote transparency, fairness, and ethical practices in the lending industry. We are dedicated to not only providing reliable lending services but also to fostering a positive and trustworthy environment within the industry.

We understand that privacy and confidentiality are important considerations when borrowing money. At Vale, we take the privacy of our customers seriously, and we have measures in place to ensure that your borrowing activities remain confidential.

While borrowing money may be recorded on your credit history, the specific details of your loan, including the loan purpose and transactional details, remain confidential between you and Vale, unless required by law or authorized by you.

At Vale, we believe in transparent communication, and we strive to provide clear information about any deductions or fees associated with our loan products. We encourage you to reach out to our customer support team or refer to our loan documentation for specific details regarding deductions from the loan amount.

At Vale, we prioritize the security and privacy of your personal data. We take extensive measures to ensure that your information is protected throughout the loan application and borrowing process. Here are some key aspects of our data security practices:

1. Data Encryption
2. Secure Storage
3. Compliance with Data Protection Regulations
4. Employee Training and Confidentiality
5. Third-Party Security

It's important to note that while we employ robust security measures, no method of data transmission or storage is completely foolproof. We continually monitor and update our security practices to adapt to emerging threats and maintain the highest possible level of data protection.

For more detailed information about how we secure your data, we recommend reviewing our Privacy Policy, which outlines our data handling practices and your rights as a customer.

At Vale, we are committed to maintaining the confidentiality and integrity of your personal data, and we continuously invest in the necessary measures to ensure your information remains secure throughout your engagement with us.

1. Maintain a Good Payment History: Consistently making your payments on time and in full demonstrates responsible borrowing behavior.
2. Improve Your Credit Score: A higher credit score is often associated with lower credit risk. Paying your bills promptly, reducing outstanding debts, can help improve your credit score, which may increase your chances of being approved for a credit limit increase.
3. Communicate with Customer Support: If you believe you are eligible for a credit limit increase, we encourage you to reach out to our customer support team.

Please note that credit limit increases are subject to approval based on various factors, including your payment history, income stability, credit utilization, and overall creditworthiness.