New Borrower
Edit Borrower
New Loan
Step 1 of 2 — Who are you lending to?
OR
Add New Borrower
You can complete the borrower profile anytime from the Borrowers section.
Record Payment
Borrower
Loan Details
Notification Credits
Your Credit Balance
50
credits remaining
1 credit = 1 notification
Works for SMS or Email
Never expires
50 credits included on signup · top up anytime
How credits work
📱 Send SMS reminder → 1 credit
📧 Send email reminder → 1 credit
📊 Lender digest (daily/weekly) → 1 credit
🔔 Overdue alert to you → 1 credit
Top-up Packs
📦
Starter
50 credits
₱49
₱0.98/credit
⚡
Basic
150 credits
₱129
₱0.86/credit
Most Popular
🚀
Standard
350 credits
₱249
₱0.71/credit
Best Value
💎
Power
800 credits
₱499
₱0.62/credit
🏦
Business
2,000 credits
₱999
₱0.50/credit
Complete Payment
You are paying for
₱169
Combo Standard · 300 emails + 100 SMS
Payment Method
G
GCash
M
Maya
MB
Maribank
GCash Number
0921 283 6683
Account Name
Van Da Vinci A.
Upload Proof of Payment
Tap to upload screenshot
Select your GCash, Maya, or bank
payment confirmation screenshot
How it works
1. Send the exact amount to GCash or Maribank
2. Screenshot your payment confirmation
3. Upload screenshot above and submit
4. Credits activated within 1–2 hours (8AM–8PM)
Credits activated manually · 8AM–8PM daily
Kolekta
KOLEKTA
Plans & Pricing
Choose your plan
Start free. Upgrade when your business grows.
✓ Current Plan
Libre
₱0 / forever
Everything you need to start tracking your lending — no credit card, no expiry.
Up to 25 borrowers & 25 active loans
Daily, Weekly, Bi-monthly & Monthly payment frequencies
Flat rate & diminishing balance interest
1-Tap SMS & Email Reminders — 50 credits on signup
Manual payment reminders (1-tap)
Shareable SOA & PDF receipts
Kasunduan / Promissory Note generator
Late fee & penalty computation
On-time payment rate per borrower
Built-in compliance tools (SEC MC 14-2025)
Partial payments & payment arrangements
Collection history per borrower
3-month collections chart
SMS & Email combo pack top-ups
🚀
Pro and Agency plans coming soon. Early subscribers get their rate locked in forever — you'll never pay more than the launch price.
Most Popular
🔒 Coming Soon
Pro
₱599 ₱399 / month
🔥 Early bird — first 100 subscribers only
or ₱3,499/year — save 27%
For active lenders who want automation, unlimited borrowers, and advanced reporting.
Everything in Libre, plus:
Unlimited borrowers & active loans
Automated reminders — set once, runs daily at 8AM
Reminder escalation (email → SMS → urgent)
Custom reminder templates (reviewed & approved)
3 collector seats with role-based permissions
Borrower photo + ID upload
Co-maker field on loans
12-month collections chart
Portfolio at Risk (PAR) rate
Interest income vs principal breakdown
CSV data export
Truth-in-Lending disclosure (RA 3765)
Unbranded PDFs (your logo only)
Branded SOA footer ("Referred by [Your Business]")
Referral dashboard + ₱150 credits per signup
Embeddable loan calculator widget
🔒 Coming Soon
Agencies &
Cooperatives
₱1,299 / month
or ₱11,999/year — save 23%
For cooperatives, lending agencies, and multi-branch operations with multiple collectors and staff.
Everything in Pro, plus:
Unlimited collector & staff seats
Role-based access (Admin, Collector, Viewer)
Multi-branch support with branch-level dashboards
Per-collector performance reports
Branch-to-branch transfer of borrower accounts
Shared delinquent borrower registry (opt-in)
Borrower self-service portal (view SOA, request renewal)
Public lender profile page
BIR-ready ledger export
CDA / SEC reporting templates
Bulk SMS & email (send to all borrowers at once)
Full audit log — every action tracked
Priority support
Referral dashboard with team leaderboard
Plan Comparison
Libre
Pro
Agency
Borrowers
25
Unlimited
Unlimited
Active loans
25
Unlimited
Unlimited
Notification credits
50 on signup
200/month
500/month
Loan types
All 4
All 4
All 4
Automated reminders
Manual
✓
✓ Bulk
Collector seats
1
3
Unlimited
Multi-branch
—
—
✓
PAR reports
—
✓
✓ Per branch
CSV export
—
✓
✓
Borrower portal
—
—
✓
Delinquent registry
—
—
✓ Opt-in
Unbranded PDFs
Watermarked
✓
✓
Audit log
—
—
✓
Monthly price
₱0
₱399
₱1,299
Questions about plans?
Message us on Messenger
Add Payment Method
Select Method Type
Payment Arrangement
Beta
⚠️ Beta Feature
A payment arrangement lets you restructure a borrower's debt into new payment dates when they cannot pay on the original schedule. Choose how many payments, set the dates, and Kolekta will replace the overdue schedules with your new arrangement. All payments still count toward the loan balance.
Arranging payment for
—
Remaining balance to arrange
₱0
Split into how many payments?
Tap a number — payment rows will be auto-filled equally. You can edit each one.
Once saved, loan status changes to Arrangement. The original overdue schedules will be marked as settled and replaced with these new payment dates.
Collection History
Log Capital
What kind of capital movement is this?
💰 Add Capital: Extra money you're putting in to lend out more — e.g. salary, reinvested collections.
Log Expense
What kind of expense is this?
🚫 Waive Loan
⚠️ This cannot be undone
This will permanently write off the remaining balance, close all open schedules, and mark the loan as Waived.
Waiving loan for
—
—
Report an Issue
🐛
Found something that's not working? Tell us what happened and we'll fix it.
📋 We automatically include your plan and account type — no need to mention it.
Send Reminder
Sending reminder to
—
—
Select Reminder Type
Send Via
Credits remaining
—
Sending between 6AM–9PM PHT only (SEC MC 18-2019)