Loans in the Philippines – 2022

4.8 / 5
Up to PHP 50.000

With Tonik you can apply for a quick loan in 30 minutes and up to PHP 50.000. Everything is secured and no collateral is needed. So, you can apply for a quick loan, flex loan or shop installment loan with Tonik bank very easily.

4.5 / 5
Loan up to PHP 25.000

Digido Philippines - 0% interest rate for the 1st time loan up to PHP 25.000, if borrower pay back in due time. Apply loan online with Digido and solve your urgent financial issue right now. If you need cash loan in a 15 minutes, Digido is the right solution.

4.4 / 5
Up To PHP 50.000

Finrbo Philippines - a new microfinance company that can solve urgent financial issues in 15 minutes for people all over the country. Apply for the 1st loan up to PHP 15.000

4.3 / 5
Loan up to PHP 20.000

Moneycat Philippines is the online lender which provides fast salary loans for Filipinos. First loan with the 0,01% interest rate. For repeated loan is up to 11,90% per month. You can apply a loan online where never you are.

4.8 / 5
Loan up to PHP 25.000

Robocash is an international loan company which operates in the Philippines. It has great offer for new customers 0,01% loan up to PHP 10.000. Maximum loan period is 180 days! Only for Filipinos 21 - 70 years old. Remember to repay loan in time, so you were able to avoid late fee and pay less commission for the interest rate. If you apply for the loan PHP 20000; period 6 months, monthly payment will be PHP 5000 and total cost 2383 per month.

4.8 / 5
Loan up to PHP 25.000

OLP or Online Loan Pilipinas - apply your online loan 24/7. Your loan can be for any purpose, just read terms before, and, if everything ok, get your money with the help of microloan company.

4.1 / 5
Up To PHP 25.000

Loanonline Philippines doesn´t provide loans. Service only recommends the best options for it to Filipinos.

4.4 / 5
Up To PHP 30.000

Vamo Philippines provides quick loans up to PHP 10.000 for the 1st time, and if repeated loan, up to PHP 30.000. Check terms, read contract and, if everything ok, just continue and get your money online asap.

4 / 5
Up To PHP 10.000

Crezu Philippines - it is online broker with the list of loan partners who can provide customer with the loan

4.1 / 5
Up To PHP 30.000

UnaCash is the the financial loan product for Filipinos. It allows to get the loan online up to PHP 30000. You can get your money up to 24 hour online or quicker.

4 / 5
Loan up to PHP 25.000

Kviku is the international lender that support online loans in the Philippines. The number of service customers constantly growing. Kviku provides installment loans for Filipinos. Want to know mode details? Follow the article and find out more about this finance service: how to register, what are the terms, reviews, requirements, etc.

4 / 5
Up To PHP 25.000

Binixo Philippines - is an online broker that doesn´t provide online loans, one only recommends the lender you could be interested in. Binixo PH is not responsible for your decisions, the broker only provides about lenders in the Philippines, so when you choose one, please read all terms and responsibilities on the lender´s website/app.

4.7 / 5
Loan up to PHP 20.000

CashXpress Philippines (CXPH) - apply loan online and get you money on bank account in 10 - 15 minutes.

4.5 / 5
Up To PHP 25.000

Pitacash app - one more alternative way to get quick cash loan online in the Philppines. Try the 1st loan with 0% interest rate and find all service opportunities.

4.7 / 5
Up to PHP 15.000

Tala Philippines is one of the most popular lending apps at the market. Download Tala application and apply loan in 15 minutes.

0.5 / 5

Crawfort didn't start operation in the Philippines. Website isn't active currently, so customers couldn't apply loan online.

4 / 5
up to PHP 30000 and higher

TendoPay Philippines it is a great company which provides installments for Filipinos. You don't need credit cards or bank accounts. Service allows you to shop in over 100+ merchants without hidden fees.

4.6 / 5
Up to PHP 100.000

Bukas Philippines - it is financial app which can help students / graduates to get education loan online. Service can support you and solve your financial issues. Check the terms and try it now.

Personal loans in the Philippines are very popular, cause a lot of people to have a need for short-term money asap. Of cause, many can use bank services and get money from one, but there are many Filipinos who can’t do it cause of bad credit scores or other reasons.

  • Many Filipinos are still unbanked and don’t have any bank accounts;
  • Near 2 from 10 in families save money in banks;
  • People are interested in bank loans, but they are very strict requirements that intimate customers. Especially, when Filipinos want to take some small amount of money.

This is the main reason why many people practice other finance services: cash lenders or individual lenders (called “loan sharks”). The last one is a very risky option.

Borrowers in the Philippines should know, that they can apply legal loan online without using banks or “loan sharks” services.

Loans in the Philippines
Loans in the Philippines 2022

Loans in the Philippines

Online loans in the Philippines become more accessible with the Internet. For today everyone can research any information he/she needs and apply for the loan online if the person needs money asap. Loan services becoming more and more popular, but not always it is the way to solve your financial issues, cause the borrower should repay the money back in time, and this is not easy. So, you can get a cash loan online in the Philippines, but be careful of scam lenders and stay away from them.

  • Of cause, loans from family are the best option to borrow money and no documents are needed, but relatives often forget to repay the money, and this influences the relationships very much in a negative way;
  • Also, there is one more good option to get a loan – from community cooperatives. For example, in villages, there are cooperatives that provide small loans for people with different needs;
  • The 3d option is using the services of online lending companies.

TOP Lending Services in the Philippines

  1. Robocash – now Digido Philippines
  2. CashXpress Philippines
  3. Cashalo
  4. JuanHand – currently services is paused
  5. Kviku
  6. MoneyCat Philippines
  7. UnaCash
  8. Pitacash
  9. Online Loan Pilipinas
  10. Tala
  11. Finbro
  12. Vamo

Quick loans are for asap situations: you need to give money back or buy something important.

You can divide personal loans in the Philippines on secure (require collateral) and unsecured (without collateral).

How to choose online loan service in the Philippines

An online loan is a serious matter that requires attention. You cannot apply for a loan anywhere in the Philippines. It should be a balanced decision, not a momentary one when you need just to get money.

If you decide to apply for loans in the Philippines online, then it should be from a reliable financial company. Also, remember that if you are late, even the most reliable and kind-looking microcredit financial institution can make your life worse at times. Therefore, there is a choice of lesser evils, but if there is an opportunity to use a credit card, then use it and do not get into microcredits.

Robocash loans online in the Philippines
Apply for loans in the Philippines with Robocash / Digido

You can easily find a credit company online. The main thing is that these are really accredited companies, registered by SEC. Also, you should understand that it is quite difficult to find a suitable credit company in the Philippines, so it is important to consider the following criteria when searching:

  • The company must be legal;
  • The conditions should be interesting and feasible for you: interest rates, payment options, loan term, late fees, other fees, etc;
  • The speed of obtaining a loan in the Philippines online is no more than 1 day or even 1 hour, cause you need money asap;
  • Easy to apply online for a loan – it is also important;
  • Penalties are acceptable: you must understand them and always check this option (final version in the contract) in order to accurately understand the consequences of delay;
  • Company reviews are also important to other people.

This will be enough, so you could quickly decide in favor of a particular loan company in the Philippines. So, please take note of this information, cause that’s why loans in the Philippines are not an easy thing.

Loans Online Philippines 10000 PHP
salary loans in the Philippines

How to know if the lender is reliable and legal

How to know if the loan company you are applying to is legal? It is important to understand, but it is not always clear what you need to pay attention to in order to see what’s what. Moreover, there are a lot of fraudsters in the Philippines market, but there are several things by which you can determine the legality of a credit company in the Philippines:

1) Must be certified by SEC

All credit companies that legally want to work must register with the Securities and Exchange Commission (or SEC). This registration is an acknowledgment by the authorities that the business is eligible to operate in the Philippines;

2) The official website of the loan company must have full contact information with a real physical address

This is important because if questions arise, something needs to be agreed upon, working contact with the credit company is needed, and if there is no such thing, then this puts the lender in doubt. And questions can be different: from clarifications on the contract to loan repayment. Who wants to apply for a loan online in the Philippines, if it is impossible to contact a credit office? The physical address is also important, as it is another confirmation that the company really exists.

3) Transparent conditions for borrowers

The advertiser is interested in the landowners’ attitude to loans responsibly. Then the risks will be lower, and this leads to better conditions for interest rates. Do not forget, you do not need to apply for loans in the Philippines online if you have not figured out all conditions.

4) No prepayments

Loan companies that operate legally do not require any prepayments, there is no such thing, so please do not be fooled by this. Lenders work only in the format when they issue online loans in the Philippines, and then charge interest for the days of using the loan.

5) When registering, only basic information is asked

If filling out the online questionnaire, you see something suspicious. For example, if there are a lot of information fields, and strange questions, then this is already a signal that something may be wrong and it would be better to double-check the credit company in all parameters before applying for a loan in it.

AdvanceLoans provides up-to-date information on credit services in the Philippines. But, all the same, do not forget to double-check the information and, especially, re-read the agreement of the loan company! And better several times! Be careful, learn from the mistakes of others, and do not get fooled by advertising and interest-free loans, although some offices issue loans in the Philippines on almost such terms at 0.01% per day, which is also not bad.

How everything works

To take a quick loan in the Philippines you need to enter into an agreement with the loan originator/lender. For this, you need to choose the loan service, amount, and period of the loan, read all terms, in order, understand all rules and, if everything ok, agree = and promise to repay the money according to the exact terms in the contract. If the borrower will do it in time, he/she will pay only the commission for the days loan was used. If the borrower will not do it in time, the lender can add a fine and increase the commission, so in total borrower:

  • will need to repay much more money;
  • credit score will be spoiled.

Here we talk more about unsecured loans, where interest rate depends on the service can be 0,01% – 3,00% per day depending on the service.

Of cause, better use bank personal loans, but not all can effort it, so then you need understand all responsibility of taking such unsecured loans in the Philippines!

To repay money people usually use their credit cards, cause it is faster and easier for borrowers can do it with the bank service.

How much can you borrow

Reply to this question you need to understand how much you need. For what goals does he/she want to take the money? How much can you repay and in what period? Where borrower will take money when a deadline to repay will come? Does the borrower have other options to get money, what will be the best one?

For example, for instant cash loans in the Philippines Robocash (now Digido) service offers one of the best options: up to PHP 25,000 for the period of 3/4/5/6 months! 1st loan is only for PHP 10,000 but the interest rate is near 0,01%!

Should You Get a Personal Loan

Should you get a personal loan online in the Philippines
Should You Get a Personal Loan in the Philippines

There are many different types of loans in the Philippines, but personal loans cover your asap needs. It can have low and high-interest rates and mainly doesn’t require any collateral, but it doesn’t mean you should apply for the loan, you need to know when it is normal and when is not:

To consolidate the debtTo pay off credit card debt
To refinance the other loanFor some asap expenses
Some home improvementsTo pay medical costs
For the educationTo improve the credit score

Don’t forget to:

  • Check if your credit score is good;
  • Compare the terms of all lenders.

Questions About Loans in the Philippines

📢 How To Apply For A Personal Loan In The Philippines In 2020?

Personal Loans or unsecured loans are very popular in the Philippines already several years. Everyone from 18+ years can apply for one with the help of:
website – applying with the online application, for example, Moneycat Philippines, Robocash,
mobile application – from such lenders as Tala, Cashalo, Online Loan Pilipinas, etc.

❓ Who Can Apply The Loans In The Philippines?

Mainly people who reach 20+ years of age. Only the citizens of the Philippines.

💰 What Are The Best Lenders In The Philippines 2020?

✅ What Filipinos should know about online loans PH?

The main point is, that every borrower should understand before applying for the loan how he/she will repay it. Also, you need to understand if a loan is really needed for you, perhaps you could avoid applying for personal loans in the Philippines.
Remember: you spend other people’s money, but will give back yours!

Robocash Phililppines
Robocash / Digido loan in the Philippines

Advance Loans In The Philippines

Name: Loans Online In The Philippines

Description: AdvanceLoans - loan comparison website in the Philippines. Interesting blog about Fintech in Philippines and Asia. Apply for your online loan now!

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If you want to know more about Loans in the Philippines, Sri Lanka, etc., you should know in details terms of each loan service. Also, you need to understand the advantages and disadvantages of lenders.


  • quick loans online – it is one of the fastest ways to get money for a short period of time
  • no need a lot of documents
  • everything online, but you can get money also in the centres


  • enough risky to be late with repayment and get into the financial troubles
  • high interest-rates
  • not always transparent terms
  • a lot of scams
  • your credit score can be spoiled
User Review 4.61 (23 votes)
Comments Rating 5 (15 reviews)


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