Terms and Conditions

Welcome to Evercrest Lending. By accessing our website and using our services, you agree to comply with and be bound by the following terms and conditions. Please read them carefully.

1. Acceptance of Terms

By accessing or using the Evercrest Lending website or services, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with any part of these terms, you must not use our services.

2. Eligibility

To use our services, you must be at least 18 years old and a legal resident of the jurisdiction in which you reside. You represent and warrant that you have the right, authority, and capacity to enter into this agreement.

3. Loan Application and Approval

All loan applications are subject to approval based on our credit criteria and underwriting standards. Submission of an application does not guarantee approval. We reserve the right to decline any application at our sole discretion.

4. Repayment Terms

You agree to repay your loan in accordance with the terms set forth in your loan agreement. Failure to make timely payments may result in late fees, additional interest, and negative reporting to credit bureaus.

5. Interest and Fees

Interest rates and fees vary based on the loan product and your creditworthiness. All applicable rates and fees will be disclosed to you in your loan agreement before you accept the loan.

6. Limitation of Liability

Evercrest Lending shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or use, arising out of or in connection with your use of our services.

7. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Republic of the Philippines. Any dispute arising out of or in connection with these Terms and Conditions shall be subject to the exclusive jurisdiction of the competent courts of Manila, Philippines, without regard to conflict of law principles.

8. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our services constitutes your acceptance of the modified terms.

9. Contact Information

If you have any questions about these Terms and Conditions, please contact us at: