Get a Loan in 4 minutes or less!
High Approval Rate
0% for up to 7 Days
Instant and Safe
Application
Respond to a few inquiries to assess your eligibility.
Are you over 21?
Get a Loan in 4 minutes or less!
High Approval Rate
0% for up to 7 Days
Instant and Safe
Application
Respond to a few inquiries to assess your eligibility.
Are you over 21?
Who is eligible to apply?
Benefits
Terms
Introducing our Instant Online Loan – a convenient installment credit option with flexible payment terms
Representative example:
Get the financial assistance you need with our hassle-free loan application process. Borrow up to PHP 20,000 and pay back over a 6-month period with low monthly payments of only PHP 5,000. Plus, enjoy a total loan cost of just PHP 2,383 per month. With our competitive APR of 143%, you can achieve your financial goals without breaking the bank.
Online Loans in the Philippines
In today's world, achieving financial stability is a priority for many people, regardless of their background or age. While traditional advice often discourages taking out loans, they can be a valuable tool when used responsibly.
A loan for education or skill development, for instance, may have long-term advantages. However, borrowing money for luxuries or indulgent spending can endanger your capacity to make ends meet. To avoid financial disaster, it is crucial to use loans properly. Although loans are not inherently evil, how they are used can make all the difference.
How do Instant Loans Work in the Philippines?
For those living in rural areas of the Philippines, accessing formal banking services can be a challenge, leaving a significant portion of the population without traditional banking options. This creates a difficult situation as many individuals must travel to more populated cities only to face crowded banks, high customer volume, and lengthy documentation processes.
However, obtaining an online loan is a quick and easily accessible option, requiring only a valid ID and proof of income. All you need to do is create an account on an online platform, submit the necessary documentation to prove creditworthiness, and receive a decision within minutes. With a high rate of Internet penetration in the Philippines, online loans have become the preferred choice for those in need of urgent financial assistance. They provide convenience and speed without the hassle of traveling to distant banks or waiting in long lines.
Are Online Loans Legit?
Online lending has made financial assistance more accessible, but not all companies offering such services are legitimate. It is crucial to exercise caution when dealing with online lenders. To operate legally, online lending companies must register with the Securities and Exchange Commission (SEC) and have a physical office in the Philippines. Unfortunately, some fraudulent lenders take advantage of customers through unethical practices. It can be challenging to differentiate between legitimate and illegal lenders when seeking instant loans online. As a rule of thumb, always check the SEC website to verify the details of your lender. For instance, Digido, one of our partners, has full legal accreditation, including SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Before committing to any lender, conduct thorough research to ensure that you're working with a reputable and trustworthy online loan provider.
What are Online Loans?
Gaining financial independence is a commendable feat that necessitates strategic planning and discipline. Nonetheless, unforeseen expenses can throw off even the most meticulous financial plans. In such situations, borrowing money from family, friends, banks, or lenders may become necessary. Banks typically offer favorable loan terms and low-interest rates, but their application process can be challenging and may involve many hurdles. This is why many people prefer alternative options such as online loans or lender loans. Online loans are a practical solution for those seeking quick cash without the inconvenience of visiting lenders physically or searching for the best loan deals.
Online loans give a slew of irresistible features for a prospective borrower:
The ease and accessibility of online loans have made them increasingly popular in the Philippines. These loans have become an attractive option for many Filipinos due to their minimal documentation requirements, high loan approval rate, and quick fund disbursement. Even those with less-than-ideal credit history can benefit from these loans, making them a convenient solution for those in need of financial assistance.
How to Take an Instant Loan Correctly and Profitably?
The ease of obtaining fast funds through an online loan process can be tempting, causing some people to rely on these loans for every financial need without careful consideration. However, this approach can lead to financial chaos and result in a cycle of debt.
Below are the crucial points in securing the right loan:
Conclusion
Loans can be a powerful tool that can either help or harm your financial wellbeing. While they can provide the financial assistance needed to achieve your goals, reckless borrowing can lead to a cycle of debt that can be difficult to break. The secret to making the most of loans is to have a comprehensive grasp of your financial status and to develop a practical plan. By evaluating your needs and making informed decisions, loans can be a helpful aid on your path to financial stability.
Our Partners:
Kviku Lending Co. INC.
18A Trafalgar Plaza, 105 H.V. Dela Costa Street, Salcedo Village Makati City, the Philippines SEC Registration No. CS201918702.
Certificate of Authority No. 3169
NPC Registration No. PIC-001-791-2021
Example:
AMOUNT: 1000 php + COMISSION: 180 php = TO PAYOFF 1180 php
0.1% for the first loan
1ST LOAN: 25000 php, REPEATED: 25000 php, TERM: Up to 180 days
DIGIDO FINANCE CORP.
SEC Registration No. 202003056. Certificate of Authority No. 1272
Example:
AMOUNT: 1000 php + COMISSION: 18 php = TO PAYOFF 1018 php
0.01% for the first loan
1ST LOAN: 25000 php, REPEATED: 25000 php, TERM: Up to 180 days
Representative example:
You apply for PHP 20,000 and choose repayment over 6 months, your monthly payment will be only PHP 5,000 per month, your total cost of the loan will be PHP 2,383 per month (APR = 143%)
MoneyCat Financing Inc.
Address: Unit 1701 Tycoon bldg Pearl Drive st. Brgy San Antonio Ortigas Center Pasig City, ph 1800. Certificate of Authority To Operate Number: 1254 granted by the Securities & Exchange Commission
Fill out an online loans registration form and you can get up to 20,000 PHP on your account. MoneyCat Financing Inc. gives you an opportunity to take loans from reliable credit partners. To get a loan you need to provide: any document, phone number and bank account in your name.
Example:
AMOUNT: 1000 php + COMISSION: 18 php = TO PAYOFF 1018 php
0.01% for the first loan
1ST LOAN: 20000 php, REPEATED: 20000 php, TERM: Up to 180 days
Cashspace.ph
is a brand of the company Fininity Ltd (registration number: 14523902, address: Tartu Street 84a, Tallinn, 10112, EE.)
This site is not a financial institution, bank, or lender. This site finds loans for customers, acting as an intermediary between a client who is looking to take a loan and a licensed financial institution. It is not responsible for any loan agreement. This website does not charge a service fee, nor is it responsible for the actions, inactions, or interest rates of any lender. You are never under any obligation to use the service, initiate contact, or request credit with any lenders this site connects you to.
Example:
AMOUNT: 1000 php + COMISSION: 60 php = TO PAYOFF 1060 php
0.1% for the first loan
1ST LOAN: 25000 php, REPEATED: 25000 php, TERM: Up to 60 days
Crezu.ph
is a brand of the company Fininity Ltd (registration number: 14523902, address: Tartu Street 84a, Tallinn, 10112, EE.)
This site is not a financial institution, bank, or lender. This site finds loans for customers, acting as an intermediary between a client who is looking to take a loan and a licensed financial institution. It is not responsible for any loan agreement. This website does not charge a service fee, nor is it responsible for the actions, inactions, or interest rates of any lender. You are never under any obligation to use the service, initiate contact, or request credit with any lenders this site connects you to.
Example:
AMOUNT: 1000 php + COMISSION: 60 php = TO PAYOFF 1060 php
0.1% for the first loan
1ST LOAN: 25000 php, REPEATED: 25000 php, TERM: Up to 60 days
APR Disclosure: Understanding the Annual Percentage Rate (APR) is essential when selecting a loan. APR reflects the total cost of the loan, including the interest rate, fees, and repayment schedule. Different loans and lenders may offer various APR rates, ranging from 4.99% to 450% for personal loans and up to 1386% for cash advances. It's crucial to review the APR and other loan terms before signing any loan agreement, as lenders are required by law to provide this information. Keep in mind that APR rates may vary over time and could impact the overall cost of the loan.
Material Disclosure: Our website does not directly offer loans, but we work as a middleman between borrowers and lenders. We connect borrowers with reliable lenders who can offer cash advances ranging from ₱10,000 to ₱25,000, installment loans up to ₱100,000, and personal loans up to ₱500,000. Please note that not all lenders can offer these loan amounts, and there is no guarantee of loan approval. Our platform does not promote any illegal loan products and does not charge for any service or product. We do not have control over the actions of any lender and do not have access to your loan details, including the APR. For more information about your loan, such as specific terms, interest rates, payment details, and potential consequences of missed payments, please contact your lender directly. Our service does not obligate you to register for credit or accept a loan from any participating lender. Repayment terms, cash transfer times, and local regulations may vary among lenders. Some lenders may require faxing. This information is provided for informational purposes only and is not legal advice.
Credit Implications: Our website does not make any loan decisions. Instead, we connect you to independent lenders who may assess your creditworthiness and credit history by conducting checks with credit reporting agencies or obtaining consumer reports through alternative providers. By submitting your information, you allow participating lenders to verify your details and credit history. Loans offered by the participating lenders in our network provide short-term cash relief and should not be considered as a long-term debt solution. It is crucial to borrow only what you can pay back on your next payday. Consider seeking expert financial advice for your needs, the risks involved, and alternative options to short-term loans. Late payments could result in additional fees or collection actions. Every lender operates under their own terms and conditions, so review them thoroughly for more information. Failure to repay a loan could lead to collection activities. Every lender has a unique renewal policy, so ensure to review the policy of your lender before proceeding.