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Umbrella Loan App Review: Finance App


Umbrella- instant access to cash is a product of Multiply Labs. It offers short term loans with minimal documentation such as they do not require anymore your bank account references just like the other online lenders does.

To apply a loan, click this link

With over 10,000 plus downloads on Google Play store. Medyo okey na rin pero di naman ganun kadami. Just had been released on July 11, 2018. And just updated this November 28, 2018. Umbrella is on #39 top free finance on Google Play’s top chart.

You can get up to 4,000 pesos instantly for pre-approved credit.

Loan Application

There are 3 step-by-step guide to get your cash instant. You must first download the app and log in using your Facebook account or register using your email and mobile number. Then accomplish this steps:

  1. Choose your desired amount based on the pre-approved credit
  2. Choose how will be your loan payment. For weekly pay it could be 3 to 6 weeks and or for monthly pay it could be 1 to 3 months
  3. In the app, check for your loan calculation details and confirm

Loan Process

Umbrella has a built an algorithm that auto check on the people. The same scoring is use for  all users. Before you will get into the three steps, they will ask you to access permissions. Such as your camera, contacts, location, microphone, call logs, telephone, SMS, storage and other like they will draw over your apps, have full network access, etc. Their system will auto check on the data they collect. You would have allowed 4 permissions.

And then there you will know if you have been pre-approved or disapproved. If you’ve got pre-approved their you will know how much you’ve earned credit limit.

If you haven’t get through or disapproved, check back in 90 days.

To apply a loan, click this link

Loan Requirements

They don’t need your bank account details but be ready on these requirements:

  1. A 7 second selfie video
  2. Any valid government-issued ID
  3. Proof of billing ( documents showing a proof of your address)
  4. Requires you to be at least 21 years old and above

They will only accept UMID, NBI clearance, Passport and Driver’s license for now.

Interest rates

They have this transparency principle that they believe in to. Here’s the Umbrella loan calculations:

  • The interest rates vary depending on the loan value and the repayment duration you chose.
  • There are no interest charged on the service fee.

Before you hit confirm and all set, you can review your loan calculations. In that way, there will be no hidden charges. That’s how their transparency works.


Yes they charged also service fees. Base on their transparency code,

  • service fee is applicable depending on how much you take to cover that duration.
  • If non-payment of weekly or monthly installment a small penalty of the outstanding amount will be charged.
  • And your two continuous attempts of non-payment of weekly dues will result in your account being blocked.


Still under their transparency,

Your repayment doesn’t start until 14 days for weekly payments and 30 days for monthly from the day your loan is processed.

You could pay through Gcash as convenient as it is.

Users Feedback

Some applicants experienced that after paying their last installment early have been not approved for a reloan.

Other users have a problem with how the app works. The app is still in continuous update.

Most have complained on what’s the basis of how they got disapproved and does not qualify in pre-approved. How will they check on people for eligibility on loans. However, the Umbrella App said they’re using the same scoring for all users.  Well it do look like it’s a fair deal at all. But then it seems that it doesn’t really helpful in cases of urgency.

Disbursement of money takes longer sometimes. The problem regarding with so much loading when doing the logging in option to select your disbursement and as far as loading is concerned, maybe it has something to do with the speed of or due to internet connection. Umbrella’s disbursement channels are through bank account, wallet transfer via Gcash, remittances such as Cebuana Lhuillier or Palawan, and or pick up on their office.

What’s good and commended by all are their lowest interest rate and their repayment time frame. Most users also commended the easy reimbursement experience. And some even because of fast approval. Low interest rate and no pressure on repayment, that’s what we’re all finding in a credit, right? And they have it all though. Their customer service are also in good standing with accommodating staff. Kudos Umbrella team!

35 replies on “Umbrella Loan App Review: Finance App”

Hi pwede po b p send ng instructio ng loan details ko kasi po nawala ko po sim number ko n 09672664651 and i think po dun n send yun loan info po disbhrsment info eto po new number ko mam/sir 09078221356 thank you and have a good day happy valentines day have blessed day

I really dont understand. I receieved a text messages that I was approved and open your umbrella app but when I open it. It says that I am unable to approve my loan. Kindly give me a feedback regarding on this matter. This is my email add

Anu poh ba dapat ko gawin hnggng ngyn hndi ko maopen yng umbrella loan app qoh,nag early payment poh kc me,plz help me para makita ko kng ok na ba,plz call me at 09286014093 asap plz tnx umbrella

Plz help me hndi ko poh maopen yng apps ko ,nakapagayment n poh ako sa 7eleven sa mismung logo ni umbrella

Gusto ko na pong mg bayad sa loan ko although mtagal pa nman due date ko, but i could not open the app, pls help where i pay.. What are the options of payment?? Email me pls.

Hello umbrella how repay my loan, I can’t open the app.. almost 1 week na PO ako di mo open Ng app ko.nag Gmail na PO ako sa inyo,pero Wala pa reply, malapit na PO duedate ko.. need ko n magbayad Kaya please help us PO.

Hi Umbrella,
I applied for loan through your app and I am a having a hard time.
It says approved for 800 will xpires in 5 days if I dont click on it while yeah very small but I confirmed it.
It says choose whether makati pick up or bank/gcash transfer. I choose the 2nd but its pre autopplopulated to Cebuanna Lhuiller. I dont heck see out of 800 how much the net and no options for me on how long the term is whats is that?

Hi Umbrella,

your app not working all I thought my loans is being disbursed pAssed 48 hrs now if theres none then that’s ok I can go somewhere else. thanks

Available po ba gcash oor any bank gusto q po don na lang ma transfer approved loan ko kaso cebuana lang lumalabas na choices. If ever d available its ok lang po salamat po

Hi. I want to repay my outstanding loan yet the apps crashes and when i open it it won’t open properly. It’ll hang on the umbrella sign. Thank you

Hello umbrella 2 days due na po ako ngayun dahil hindi ko po ma open yung application help naman po txt nyu ko kung panu ako makaka kuha ng ref. No para makapag bayad na po ako.. Dapat nung 1 day before due date ko pa po bayaran kasu until now hndi ko po ma open yung application please help. Thanks

Im trying re-apply but it just brings me back to the message.:

“Congratulations heres your preapproved credit. You are now approved for up to credit limit 800. But, the it reads, “we have reached daily loan limit for today sorry, please try applying tomorrow. Everytime i log in to the app, to apply it brings me to that same message. How do i apply?

I think po may loan limit sila per day… it means you could try the next day po… I hope this is solved already by now… may I know kung ano po ang lending na ito?

Kindly help me in claiming my loan which was sent through cebuana llhuiller which I need the control number in claiming the loan. Cebuana llhuiller is not a bank name which my loan was mistakenly sent today. It is a pick up transfer of money thru cebuana llhuiller.

Hi, umbrella, kindly help me claim my loan which was sent through cebuana llhuiller this morning which I cannot claim because there is no control number being sent by umbrella. I only receive a txt message saying my loan wa sent to cebuana llhuiller which is not a bank name. It is a forwarding company that needs to be Pick up when someone send money. I am waiting for your reply. Kindly check your reimbursement sent to me through cebuana llhuiller.

Sorry for sa late reply. FYI po, hindi po kami affiliated ng umbrella, review site lang po ito. I hope that problem is solved already 🙂

Good day pano ko po mkukuha ung loan s cebuana llhuiller… my message n kasi skin umbrella n disburesemet set n po.. pano ko ma claimed ung loan ko ngaun

Hello Sir, hindi po kami affiliated kay Umbrella, review site lang po kami. Sa mga ganyang concern po, please address to them directly po para masagot po kayo… meron pong way para ma communicate sila tru na app, or sa official website nila, or tru sa fb page nila… magandang araw po.

Matagal po ba talaga mag calculate ng uscore ang umbrella? di pa ako nakaka pag apply ng loan, kakagawa ko pa lang ng account. ang tagal ko nag hihintay. nasa 1 hr na ata

i can’t registred your umbrella loan, something there is a system glitch, it says my network is down but actually i’m using full network wifi

To apply a loan, click this link

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