Products - Service

To ensure transaction safety and avoid affecting your repayment history, PTF advises customers to strictly refrain from making payments through any collection channels other than those officially partnered with PTF and announced on PTF's homepage and other media channels.

When customers apply for consumer loans at PTF, they will not incur any fees during the consultation process. Fees only apply after the customer has established a credit relationship with PTF and are clearly stated in the contract. Apart from these fees, customers are not required to pay any additional costs.

If any signs of fraud or harassment from PTF employees or partners are detected, customers must not engage in fraudulent activities and should immediately report them to PTF's Hotline at 1900 23 23 56 for assistance. PTF is committed to providing a transparent and secure financial environment for all customers.

According to the regulations of the State Bank, debts are classified into five groups:

• Group 1: Standard debt – overdue for less than 10 days.
• Group 2: Debt requiring attention – overdue from 10 to 90 days.
• Group 3: Substandard debt – overdue from 91 to 180 days.
• Group 4: Doubtful debt – overdue from 181 to 360 days.
• Group 5: Bad debt with potential capital loss – overdue for more than 360 days.

At the time of assessment and approval, if you do not have overdue debt of 10 days or more, PTF will still consider providing financing under standard customer conditions.

A loan disbursed by PTF must be fully repaid for at least four consecutive installments. After that, if the customer has a loan demand, PTF will review and consider granting additional financing in accordance with its regulations at each period.

After the loan application is approved, a sales representative will call the customer to notify them to sign the loan agreement. Once the documentation process is completed and the loan agreement is signed, the customer will receive a disbursement code. After receiving this code, the customer can go to the registered transaction point to collect the disbursed funds.

The loan interest rate is calculated based on the reducing outstanding balance and remains fixed throughout the loan term.

Currently, cash loans at PTF are implemented under the credit limit method with a fixed contract term of 36 months, allowing customers to withdraw funds and disburse flexibly.

If your loan is approved, a PTF sales consultant will directly contact you to guide you through the loan application process.

Once your loan is disbursed, the system will send a notification message to the phone number you registered.

PTF provides cash loans with a minimum amount of 10 million VND and a maximum of up to 100 million VND, depending on the specific loan product.

You only need to register your information here or call PTF's Hotline at 1900 23 23 56. PTF staff will provide consultation and guide you through the loan conditions and procedures.