Credit is often misunderstood. For some, it feels like a lifeline. For others, it becomes a cycle of debt. But when used with intention, credit can be one of the most powerful tools for financial growth. The difference lies in how it’s built and how it adapts to people’s needs.
How Maya Helps Filipinos Use Credit Smarter
As the #1 Digital Bank in the Philippines, Maya offers flexible credit solutions designed for real life. Instead of a one-size-fits-all model, Maya provides options for emergencies, essentials, and long-term goals—putting more control in the hands of its users.
Flexible Credit Options for Every Need
Easy Credit gives instant access to a revolving credit line of up to ₱30,000, available when emergencies strike. No paperwork required, with up to 30 days to repay. Since it’s built right into the Maya app, users can manage their borrowing seamlessly alongside their savings and payments.
For bigger expenses, Maya Personal Loan offers up to ₱250,000 with repayment terms of up to 24 months. With no collateral required, it’s designed to be predictable and manageable, helping borrowers avoid the burden of unstructured debt.
Credit Cards That Reward Smarter Spending
Maya also brings discipline and rewards together with its credit cards.
- The Landers Cashback Everywhere Credit Card gives up to 5% cashback on Landers purchases, 2% on dining, and 1% on all other qualified transactions.
- The Maya Black Credit Card offers instant Maya Miles every time you spend. These can soon be converted to airline miles with partners like Philippine Airlines, or redeemed for rewards directly in the app.
Tools That Combine Borrowing and Saving
Maya encourages responsible financial habits by letting users pair borrowing with Personal Goals. With up to 5 savings goals earning 4% p.a. interest, users can build buffers for tuition, travel, or everyday needs—ensuring borrowing decisions are made from a place of preparation, not panic.
Maya’s approach highlights transparency, control, and respect for people’s financial journeys.
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