Asia United Bank (AUB) announced that its innovative salary cash advance offering, HelloBale, has reached over a Billion in total loan availment as of May 2025 — a year since it was launched as a lending feature in its HelloMoney e-wallet.
“This achievement underscores the growing demand for accessible financial services among Filipino workers and the success of integrated payroll-based lending solutions,” said AUB president Manuel A. Gomez.
Formally launched in March 2024, HelloBale allows users of the HelloMoney app to make a single cash advance ranging from ₱1,000 to ₱15,000, in increments of ₱100. The credit limit (the maximum amount a user can avail in one payroll period) is predetermined by the Bank through the Bank’s efficient credit initiation and evaluation process.
Unlike other similar products, HelloBaleis zero interest. Instead, a processing fee is applied. The processing fee will be deducted from the proceeds of the HelloBale loan availed.
Currently, more than 600companies use AUB’s HelloMoney e-wallet for payroll disbursement. Qualified employees of these companies formed HelloBale’s customer base, enabling AUB to process around 500,000 HelloBale transactions from its launch up to May 2025.
“This milestone reflects HelloMoney’s commitment to addressing the financial needs of working Filipinos by providing instant access to credit when they need it most. By partnering with companies that use HelloMoney for payroll disbursement, HelloBale has created a streamlined lending ecosystem that benefits both employers and employees,” Mr. Gomez added.
“This also highlights the growing importance of fintech solutions in advancing financial inclusion in the country,” said Wilfredo E. RodriguezJr., Head of Operations and Technology Group of AUB. “By leveraging our existing payroll relationships and digital wallet infrastructure, the platform has removed traditional barriers to credit access, enabling more Filipinos to meet their immediate financial needs without going through the usual lengthy approval process.”