Consumer App Help Center

Jungle Credit Line

What is a Jungle credit line?


Once you are approved for a Jungle account, we will provide you with a revolving credit line. This is the amount that you can borrow from Jungle at any given time when making purchases with one of our partner merchants. When you pay for your Jungle purchase loans, the principal amount of your monthly loan repayments will be given back to your credit line so that you can use it right away for other purchase loans you want to make through Jungle.




How can I increase my Jungle credit line?


Once you get approved for a Jungle account, we will provide you with an initial revolving credit line for you to use right away. The amount of your initial revolving credit line will depend on a lot of factors based on your Jungle account application. Here are some tips on how you can increase your Jungle credit line and have more purchase borrowing power:

  • Pay your loans on time. Regardless if you have a high financial capability to handle a higher credit line amount, Jungle’s algorithm will not allow you to increase your initial credit line if your loans are not being paid in a timely manner.
  • Keep your account information updated. If there are changes in your account information—you changed your employer, your monthly income & expenses changed, you have a new home address, etc.—be sure to reflect these changes on your Jungle account information.





About Jungle

What is Jungle


Jungle is a mobile app that enables you to pay for any products and services in fixed monthly installments without a need for a credit card. Jungle provides you with a revolving credit line that replenishes every time you make repayments. This allows you to continuously use Jungle in making installment payments without undergoing loan applications each time you make a purchase.




Is Jungle a registered company in the Philippines?


Jungle Lending, Inc., doing business under the trade name “Jungle”, is a duly registered lending company in the Philippines. Our SEC Company Registration Number is CS202002223 while our SEC Certificate of Authority is 3249.





Installment Payments

How can I make a Jungle payment transaction inside a retail store?


Making Jungle payments while inside your favorite retail store is easy! Once you have decided which products or services to buy inside a store, simply approach the checkout counter and tell them that you want to pay with Jungle and follow the easy steps below:

  1. Make sure you have a stable internet connection on your mobile phone.
  2. Login to your account through the Jungle app.
  3. Scan the QR code the checkout counter representative will show you.
  4. On your Jungle app, select the loan term that suits your budget.
  5. Review the loan terms that includes the fixed monthly installment amount, interest rates, and the next repayment date.
  6. Tap “Confirm” to proceed.
  7. Place your signature and tap “Accept Terms”.
You may now enjoy your purchase!




What are Jungle’s loan repayment terms?


Jungle provides you with a wide range of options when it comes to your repayment terms. Once you get approved for Jungle credit line account, your starting loan terms would be 3, 6, 9, and 12 months. As you continuously use your Jungle credit line and as you consistently make repayments on time, additional loan term options for up to 36 months would be provided automatically.




How are the interest rates being determined by Jungle?


Jungle calculates the interest rate depending on a number of factors that affect risk:

  • Length of the loan term
  • Your current credit standing (credit score, history)
  • Jungle repayment history
  • And many more
Tip: Making monthly repayments on time and activating AutoPay will increase your chances of getting lower interest rates.




What happens if the amount of the product or service that I want to purchase is more than what my credit line can afford?


If your credit line isn’t enough to pay for the total amount of the product or service that you want to purchase, the best thing for you to do is to use your credit line for the fraction of the purchase amount and pay the difference directly to the merchant. For example, if your available Jungle credit line is Php 10,000.00 and you want to purchase a product worth Php 12,000.00, you can simply use all of your Jungle credit line, which is Php 10,000.00, and simply pay the remaining balance of Php 2,000.00 directly to the merchant upfront.




Can I use my Jungle app to make purchases without an internet connection?


A stable internet connection, whether via WiFi or mobile data, is required in order for you to use your Jungle app either for making purchases, managing your existing loans, or updating your account.




What happens if I want a refund or replacement for the product that I purchased through Jungle?


If the merchant accepts your refund requests before you make any repayments to Jungle, we will simply cancel your Jungle loan for this particular purchase. If the merchant accepts your refund requests and you already made a repayment to Jungle, we will simply refund your repayment and cancel your Jungle loan for this particular purchase. For replacements, there’s no need to update or cancel the Jungle loan for this particular purchase.




How much is Jungle's interest rate?


We strive to give our valued borrowers the best interest rate in the market today. Our purchase loan interest rate starts at 3.5% monthly.




What other fees does Jungle charge to its borrowers?


Jungle only charges an origination fee and a processing fee for the total amount of the loan.




How can I purchase vouchers through Jungle?


You may use the Jungle buy now, pay later service with vouchers. We have some eVouchers currently available directly on the Jungle app. To use them, simply:

  • Login to your Jungle app.
  • Tap the "Shop" tab.
  • Select your voucher provider.
  • And process your voucher purchase through Jungle.





Installment Payments

How can I make a Jungle payment transaction inside a retail store?


Making Jungle payments while inside your favorite retail store is easy! Once you have decided which products or services to buy inside a store, simply approach the checkout counter and tell them that you want to pay with Jungle and follow the easy steps below:

  1. Make sure you have a stable internet connection on your mobile phone.
  2. Login to your account through the Jungle app.
  3. Scan the QR code the checkout counter representative will show you.
  4. On your Jungle app, select the loan term that suits your budget.
  5. Review the loan terms that includes the fixed monthly installment amount, interest rates, and the next repayment date.
  6. Tap “Confirm” to proceed.
  7. Place your signature and tap “Accept Terms”.
You may now enjoy your purchase!




What are Jungle’s loan repayment terms?


Jungle provides you with a wide range of options when it comes to your repayment terms. Once you get approved for Jungle credit line account, your starting loan terms would be 3, 6, 9, and 12 months. As you continuously use your Jungle credit line and as you consistently make repayments on time, additional loan term options for up to 36 months would be provided automatically.




How are the interest rates being determined by Jungle?


Jungle calculates the interest rate depending on a number of factors that affect risk:

  • Length of the loan term
  • Your current credit standing (credit score, history)
  • Jungle repayment history
  • And many more
Tip: Making monthly repayments on time and activating AutoPay will increase your chances of getting lower interest rates.




What happens if the amount of the product or service that I want to purchase is more than what my credit line can afford?


If your credit line isn’t enough to pay for the total amount of the product or service that you want to purchase, the best thing for you to do is to use your credit line for the fraction of the purchase amount and pay the difference directly to the merchant. For example, if your available Jungle credit line is Php 10,000.00 and you want to purchase a product worth Php 12,000.00, you can simply use all of your Jungle credit line, which is Php 10,000.00, and simply pay the remaining balance of Php 2,000.00 directly to the merchant upfront.




Can I use my Jungle app to make purchases without an internet connection?


A stable internet connection, whether via WiFi or mobile data, is required in order for you to use your Jungle app either for making purchases, managing your existing loans, or updating your account.




What happens if I want a refund or replacement for the product that I purchased through Jungle?


If the merchant accepts your refund requests before you make any repayments to Jungle, we will simply cancel your Jungle loan for this particular purchase. If the merchant accepts your refund requests and you already made a repayment to Jungle, we will simply refund your repayment and cancel your Jungle loan for this particular purchase. For replacements, there’s no need to update or cancel the Jungle loan for this particular purchase.




How much is Jungle's interest rate?


We strive to give our valued borrowers the best interest rate in the market today. Our purchase loan interest rate starts at 3.5% monthly.




What other fees does Jungle charge to its borrowers?


Jungle only charges an origination fee and a processing fee for the total amount of the loan.




How can I purchase vouchers through Jungle?


You may use the Jungle buy now, pay later service with vouchers. We have some eVouchers currently available directly on the Jungle app. To use them, simply:

  • Login to your Jungle app.
  • Tap the "Shop" tab.
  • Select your voucher provider.
  • And process your voucher purchase through Jungle.





Jungle Credit Line

What is a Jungle credit line?


Once you are approved for a Jungle account, we will provide you with a revolving credit line. This is the amount that you can borrow from Jungle at any given time when making purchases with one of our partner merchants. When you pay for your Jungle purchase loans, the principal amount of your monthly loan repayments will be given back to your credit line so that you can use it right away for other purchase loans you want to make through Jungle.




How can I increase my Jungle credit line?


Once you get approved for a Jungle account, we will provide you with an initial revolving credit line for you to use right away. The amount of your initial revolving credit line will depend on a lot of factors based on your Jungle account application. Here are some tips on how you can increase your Jungle credit line and have more purchase borrowing power:

  • Pay your loans on time. Regardless if you have a high financial capability to handle a higher credit line amount, Jungle’s algorithm will not allow you to increase your initial credit line if your loans are not being paid in a timely manner.
  • Keep your account information updated. If there are changes in your account information—you changed your employer, your monthly income & expenses changed, you have a new home address, etc.—be sure to reflect these changes on your Jungle account information.