Let’s face it: credit is often misunderstood. For some, it’s a safety net. For others, it’s a cycle they can’t break. But the truth is, credit—when used with intention—can be one of your most powerful financial tools. The difference lies in how it’s built, and who it’s built for.
That’s where Maya, the #1 Digital Bank in the Philippines, stands out. Instead of treating credit as a one-size-fits-all solution, Maya designs tools that adapt to your real life—whether you’re managing emergencies, covering essentials, or working toward long-term financial wellness.
Here’s how Maya helps you borrow smarter, not harder:
Credit That Works When You Need It
Emergencies don’t wait for ideal timing. That’s why Maya offers Easy Credit[1], a revolving credit line of up to ₱30,000, available instantly when you need it. There’s no paperwork needed, and with up to 30 days to repay what you use.
The best part? It’s built into the Maya app, right where you manage the rest of your finances, so you stay in control without disruption.
Credit Without the Catch
When you need more than just a short-term boost, Maya Personal Loan[2] gives you access to up to ₱250,000, with flexible repayment terms of up to 24 months. No collateral required.
Whether you’re handling a major life expense or consolidating existing debt, Maya’s loan product is designed to be predictable and manageable, so borrowing doesn’t turn into burden.
Credit Cards with Built-In Discipline and Rewards
The right credit card doesn’t just help you spend, it helps you earn. Maya’s Landers Cashback Everywhere Credit Card gives you up to 5% on Landers purchases, 2% on dining, and 1% on all other qualified transactions.
Looking for something elevated? The Maya Black Credit Card delivers more than just sleek design. It lets you earn instant Maya Miles—versatile points every time you spend. You can soon use them to pay for shopping or dining, convert your Maya Miles into airline miles right in the app, starting with partners like Philippine Airlines. Plus, get access to exclusive rewards through Maya’s in-app catalog, giving you more value with every spend.
Tools to Help You Borrow and Save Simultaneously
Maya understands that the best borrowing decisions happen when you're not operating on panic. That’s why you can pair your credit use with Personal Goals inside Maya. Create up to 5 savings goals, each earning 4% p.a. interest, and build buffers for upcoming expenses, from tuition to travel.
Responsible borrowing doesn’t mean saying no to credit. It means choosing tools that meet you where you are and help you grow from there.
Maya is here to champion financial choices that reflect who you are and where you’re going. That means more transparency, more control, and more respect for your time and your effort.
Visit maya.ph<https://www.maya.ph/> or mayabank.ph<https://www.mayabank.ph/>, and follow @mayaiseverything on Facebook, Instagram, YouTube, and TikTok to learn more. Maya Philippines, Inc. and Maya Bank, Inc. are regulated by the Bangko Sentral ng Pilipinas (www.bsp.gov.ph<https://www.bsp.gov.ph>). Deposits are insured by PDIC up to ₱1 million per depositor.
