It only takes two minutes!

Borrow up to ₱25,000

First loan at 0% interest rate for 7 days!

See if you are eligible, by answering a few questions

Are you over 21?

Are you employed?

Who is eligible to apply?

  • 21-70 years old
  • Employed individuals and selected professionals
  • Filipino Residents

Benefits

  • Enjoy a smooth and convenient transaction experience from the comfort of your own home.
  • Say goodbye to physically visiting a location or stepping outside - all operations are conducted online.
  • With our speedy and effective system, you can receive up to ₱ 15 000 in just four minutes, directly deposited into your bank account.
  • No need for complex documentation, guarantors, or large deposits.
  • Our fully automated service offers the perfect solution for all your financial requirements.

Terms

Introducing our Instant Online Loan, a convenient and easy-to-use installment credit form available online.

  • Enjoy comfortable payment terms ranging from 3 to 6 months, depending on your preference.
  • Choose the amount that fits your needs, ranging from ₱10,500 to ₱25,000.
  • Experience competitive interest rates of 11.9% per month, with a maximum APR of 143%.

Representative example:

Our loan service provides an easy application process for borrowing PHP 20,000 with flexible repayment options. You can choose to pay back the loan in 6 months with monthly payments of PHP 5,000 only. By selecting this option, you will have a low total loan cost of PHP 2,383 per month. It is important to note that the APR for this loan is 143%.

Online Loans in the Philippines

Although it's common knowledge to save and avoid loans, financial stability remains a goal for many people, irrespective of their background. Loans, if used properly, can improve one's financial situation significantly. For instance, taking out a loan to invest in education or acquire a new skill can have lasting benefits. On the other hand, taking loans for indulgent lifestyle habits or recreational purposes can have the opposite effect. The essential thing is not whether one has loans, but how they use them. Smartly utilizing loans can lead to financial freedom, while reckless borrowing can lead to financial collapse.

How do Instant Loans Work in the Philippines?

In the countryside of the Philippines, accessing traditional banking services can be a daunting task, leaving a significant portion of the population without access to basic financial services. As a result, many individuals are forced to travel to urban areas to conduct their banking needs, leading to long waiting periods, tedious paperwork, and overcrowded banks. On the flip side, online loans offer a speedy and straightforward solution, requiring only a valid ID and proof of income. By registering on an online portal, submitting the necessary documentation, and receiving a prompt decision within minutes, internet-based loans have become the preferred option for individuals in need of quick and reliable financial assistance. With the high level of internet penetration throughout the Philippines, online loans provide convenience and speed, eliminating the need for arduous travel and long waiting times.

Are Online Loans Legit?

In today's digital age, it's easier than ever to access quick loans online. However, not all online lending companies are trustworthy, and it's essential to exercise caution. It's mandatory for online lending companies in the Philippines to register with the SEC and maintain a physical office to operate legally. Nonetheless, some unscrupulous lenders flout this requirement and deceive unsuspecting customers with unethical practices. Distinguishing between legal and illegal online lenders can be a daunting task. That's why it's crucial to verify a lender's legitimacy by checking their details on the SEC website. For instance, Digido, one of our esteemed partners, holds full legal compliance with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Don't rush into any loan agreement without doing proper research to ensure that you're dealing with a reputable online lender.

What are Online Loans?

Becoming financially independent takes time and effort, but even the most well-planned financial strategies can be thrown off balance by unexpected expenses. Loans from friends, family, banks, or lenders may be necessary to cover these unexpected costs. While banks can offer low interest rates and flexible loan terms, navigating the loan application process can be a daunting task with many hurdles to overcome. This is why many people look for alternative options such as lender loans or online loans, which provide a convenient solution for those who need quick cash without the hassle of leaving their home or comparing various lenders in person.

Online loans give a slew of irresistible features for a prospective borrower:

  1. Accessing various loan options from different lenders has never been easier with the comfort of your home or office through online lending.
  2. Enjoy unparalleled convenience with online lending, as lenders operate 24/7, making it possible to obtain a loan at any time.
  3. With online loans, the documentation process is straightforward, requiring minimal documentation and no need for collateral or a guarantor.
  4. An automated system handles the loan evaluation, decision-making, and fund transfer in a fair and efficient manner, eliminating human error.
  5. Your financial information is kept secure and private, and there's no need to share it with a banking professional.
  6. Online loans are known as "Same Day Loans" as the loan application and disbursement process can be completed in just a few hours.
  7. The approval rate for online loans is impressive at 90%. Unlike some banks, online lenders do not engage in cross-selling.
  8. Online loans are versatile and can be used for any purpose, whether it's for personal, business, or educational purposes.
  9. Managing your loan payments is easy with online loan management tools that keep track of your payments and provide reminders.

Filipinos are increasingly turning to online loans in the Philippines because of their ease of access and convenience. These loans have become very popular due to their quick approval and minimal documentation requirements, even for those with a less-than-perfect credit history. They are a great option for Filipinos who require financial assistance. Furthermore, the speedy transfer of funds only adds to their appeal.

How to Take an Instant Loan Correctly and Profitably?

The idea of obtaining speedy cash through a hassle-free online loan process can be tempting, causing some people to rely on these loans for all their financial needs without careful thought. However, this can lead to financial chaos and eventually lead to a cycle of debt.

Below are the crucial points in securing the right loan:

  1. Honesty is key when opting for loans. Providing false information about your finances could lead to a lender performing a hard credit check, which can negatively impact your credit score and future loan options.
  2. Applying for loans from multiple lenders simultaneously is not recommended. Each credit check can lower your score, so it's best to limit them.
  3. Don't rush into a loan agreement. Take the time to compare and shop around for the best option from different lenders.
  4. It's essential to have a solid repayment plan in place before taking out a loan. Late or missed payments can damage your credit score and make it harder to obtain favorable loans in the future.
  5. Before signing any loan documents, it's crucial to carefully review and understand all terms and conditions.

Conclusion

Loans can be both helpful and dangerous. They can provide a much-needed financial boost to help you achieve your goals, but if not used responsibly, they can lead you into a never-ending cycle of debt. The secret to using loans to your advantage is having a good grasp of your finances and a solid plan. By thoughtfully considering your needs and making informed choices, loans can be a valuable asset on your path to achieving financial independence.

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


DIGIDO FINANCE CORP.

SEC Registration No. 202003056. Certificate of Authority No. 1272

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.


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.


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.


Material disclosure

APR Disclosure: When considering a loan, it's important to factor in the Annual Percentage Rate (APR). This rate represents the total interest charged over the life of the loan and is calculated based on factors like the loan amount, fees, and repayment schedule. APRs can vary significantly depending on the type of loan and lender, with personal loans having a range of 4.99% to 450% and cash advances carrying the highest rates, up to 1386%. Before agreeing to a loan, carefully review the APR and other loan terms, as lenders are legally obligated to disclose this information. Keep in mind that APR rates can change and may fluctuate over time, so be sure to stay informed throughout the life of your loan.

Material Disclosure: The purpose of this website is to provide an advertising referral service that connects potential borrowers with qualified participating lenders. The entity behind this website is not a lender, intermediary or representative of any lending organization. We do not make lending decisions and have no control over the actions of any lender. While participating lenders may offer loan amounts ranging from ₱10,000 to ₱25,000 for cash advances, up to ₱100,000 for installment loans, and up to ₱500,000 for personal loans, it's important to note that not all lenders can provide these loan amounts and there is no guarantee of acceptance by any participating lender. Our service does not constitute a proposal or request for any illegal loan product, and there is no commitment to lend. We do not endorse or charge for any service or product, and any compensation received is solely for advertising services provided by participating lenders. This service and offer are null and void in prohibited areas.

As an advertising referral platform, we do not have access to the full details of your loan, including the APR. For more information on your loan, including specific loan terms, interest rates, renewal options, payment details, and potential consequences for missed payments, please contact your lender directly. By submitting your registration information on this website, it may be shared with one or more participating lenders. Using our service does not obligate you to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender.

It's important to note that repayment terms, cash transfer times, and local regulations may vary among lenders, and some faxing may be required. These disclosures are provided for informational purposes only and should not be considered as legal advice.

Credit Implications: The entity responsible for this website does not have the authority to approve loans. Rather, we connect you with independent participating lenders who may evaluate your creditworthiness and credit history by checking with credit reporting agencies or obtaining consumer reports from other sources. By submitting your information, you agree to have these participating lenders verify your information and credit history. The loans provided by the participating lenders in our network are intended to provide short-term financial relief and should not be used as a long-term debt solution. It is critical that you only borrow what you can repay on your next payday. It is advisable to seek expert financial advice for your financial needs, the risks involved, and alternative options to short-term loans. Late payments could result in additional fees or collection activities, or both. Each lender operates under its own terms and conditions, so please review them carefully for additional information. Failure to repay a loan may result in collection activities. Each lender has its own renewal policy, so make sure to review your lender's policy before proceeding.