We offer various payment solutions to help you get back on track with your financial obligations, subject to our terms and conditions. All you need to do is email us at collection@123finance.ph or call our Collection Department during working hours (PH time).

We understand that there may be a valid reason why your payment will be delayed. If you can't pay on time, it is important that you let us know as soon as possible. When possible, you may be asked to provide supporting documents. Our collection officers will assess your request and may waive penalties or allow you to make a partial payment for one month without penalties in some cases. Your request will be more likely to be favorable if you have consistently paid your loan on time prior to your request.

For clients paying through the Bills Payment facility within Gcash or BDO, send us your payment receipt on our Facebook Page (1 2 3 Finance Corporation with blue badge) for verification. Posting of payments will be within 24 hours but allow us up to 48 hours in case of unforeseen technical issues. A text message (SMS) confirmation from our company will be sent to you as soon as the payment is confirmed.

You can easily check your remaining balance and payment history through our website portal. Simply visit: https://online.123finance.ph. To log in, enter your Last Name and Loan Code as your credentials. Once logged in, you’ll be able to view your updated balance, payment records, and loan details anytime. If you encounter any issues accessing your account, you may contact our customer support for assistance.

Please contact our Telecollectors at each branch. You can find their mobile numbers in the Payments Guide given to you during the contract signing, or visit our BRANCHES page to reach out to the designated Telecollector for each branch. Make sure to keep your receipt or proof of payment ready for quick assistance.

Our SMS payment reminders are automatically sent to help clients stay on track with their loan payments. If you made your payment via overseas remittance to our BDO account, please note that it may take 2–3 banking days for the payment to be posted to your account. During this processing period, you may still receive automated reminders. To avoid this, we recommend making your payment at least three (3) days before your due date to allow sufficient time for posting and to prevent reminder notifications from being triggered. You may also send us a copy of your payment receipt immediately after completing your payment so we can record it in our system as soon as possible. If your payment has already been posted and you are still receiving reminders, please contact our Collection Team for assistance.