Digido offers a 0% interest first loan and 15-minute approval with no bank account needed. But the 143% APR on subsequent loans makes it expensive for repeat borrowing.
First Loan Offer: New Digido borrowers get their first loan at 0% interest. After that, the standard 143% APR applies. Use this offer wisely — borrow only what you can repay on time.
Digido's 0% first loan is genuinely useful for a one-time emergency. But the 143% APR on repeat loans is very high. Use it once, repay on time, then switch to Tonik or GCash for future borrowing.