We Understand Your Needs
When life calls for financial support, we're here — with honest loans, fast approval, and no hidden surprises.
Licensed & Secure
Fully compliant with Philippine financial regulations to ensure your peace of mind.
About Us
Your Trusted Lending Partner in the Philippines
Committed to Responsible Lending and Financial Empowerment
AR HC Lending Investor, Inc. is a duly registered financing company dedicated to providing accessible and transparent loan solutions tailored to the needs of Filipinos.
- Licensed and compliant with Philippine lending regulations.
- Focused on building long-term relationships through integrity and service.
- Flexible loan programs for individuals, small businesses, and professionals.
With a strong commitment to ethical practices and client care, AR HC Lending Investor, Inc. aims to support financial growth and security across communities. We believe in making lending simple, honest, and accessible.
Happy Clients
Loans Approved
Support Hours
Team Members
Testimonials
Real Stories from Clients We've Helped Grow and Thrive
AR HC Lending made it possible for me to expand my small business without the usual red tape. Fast, professional, and trustworthy.
Kristine P. Hernandez
I was impressed by how clear and transparent the whole lending process was. Their team guided me every step of the way.
Bryan Tumang
Getting a personal loan through AR HC Lending was easy and stress-free. I felt secure knowing I was working with a licensed lender.
Angelica Ramos
They helped me consolidate my debts into a manageable plan. Highly recommended for anyone looking for financial clarity and support.
Miguel Soriano
Our Services
Reliable lending solutions tailored to your needs
Personal Loans
Quick and flexible personal financing for your essential needs — with transparent terms and fast approval.
Business Loans
Empowering entrepreneurs and SMEs with capital to grow, expand, and thrive in competitive markets.
Collateral Loans
Secure loan options using property or assets, with lower rates and flexible repayment structures.
Loan Consolidation
Streamline multiple debts into a single payment plan for better control and peace of mind.
Financial Advisory
Personalized guidance to help you make smart borrowing decisions and achieve your financial goals.
Ready to Take the Next Step?
Whether you're planning, growing, or bridging financial needs, AR HC Lending is here to support you with tailored loan solutions and trusted service.
Get in TouchOur Team
Driven by integrity, guided by experience. Meet the professionals behind AR HC Lending.
Katrina Alvarado
General Manager
Kristine P. Hernandez
Operations Manager
Marcelo G. del Rosario
Chief Financial Officer
Lorenzo C. Villanueva
Compliance OfficerFrequently Asked Questions
Answers to common questions about our lending process and services.
Who is eligible to apply for a loan?
We provide loan solutions for employed individuals, small business owners, and professionals with valid identification and income documents.
What are the basic requirements to apply?
Requirements include one valid government-issued ID, proof of income, proof of residence, and completed application forms. Additional documents may be requested during assessment.
How long does the loan approval process take?
Loan approval typically takes 1-2 business days, depending on the completeness of your submitted documents and credit evaluation.
What types of loans do you offer?
We offer personal loans, business loans, and salary loans with flexible terms tailored to your needs.
Is collateral required?
Most of our loan products are unsecured and do not require collateral. However, larger amounts may be subject to additional security requirements.
How can I repay my loan?
Repayments can be made through bank deposit, payment centers, or direct office payment. Detailed instructions are provided upon loan release.
Contact
We're here to assist you with your lending needs. Reach out to us anytime.
Address
Santa Cruz, Diplahan, Zamboanga Sibugay Philippines
Business Hours
Monday to Friday: 9:00 AM - 5:00 PM
Email Us
app@arhclending.com