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TOP 5 Loan Apps 2022 in Philippines

TOP 5 Loan Apps 2022 in Philippines – why 5, because these amount of apps will be enough, so you could choose at least one to solve your financial problems. Sure loan will not solve your all finance problems, but timely can help. It is possible only when you understand all terms and know how and when will be able to repay loan. If not – better never apply loans.

TOP 5 Loan Apps 2021 in Philippines

TOP 5 Loan Apps 2022 in Philippines

Online loans are becoming increasingly popular among Filipinos who can apply for a loan in a few clicks through a smartphone app. In the App Store, GooglePlay, AppGallery you can find a lot of mobile applications through which you can apply for a payday loan.

The main point here is the possibility of trust for cooperation with one or another credit service, because it is known that there are many scam projects on the market that are not worth attention and pose a threat to your personal data.

Also, no less important option are the terms under which you can apply for a loan through a mobile application in the Philippines. Online salary loans are not as reliable as bank loans, but on the other hand there are fewer requirements for them, so they can be issued quickly and easily – the main thing is that you are satisfied with the conditions.

Here is a list of the TOP 5 loan apps 2022 in the Philippines with which every adult Filipino can apply for a loan if he / she really needs it. In these companies, your personal data will be protected.

Cashalo App #1

Cashalo mobile application - apply loan now (Android App)

Cashalo is operated by Oriente Group. Cashalo has great app which can really help in the time of great need. If you need money asap, Cashalo will helps you at once. Cash or Kasalo means to have partner for your finances. You can get money as salary loan or like an installment loan, if you want to by something in Lazada or other store.

Loan Amount (Cashaloan)Up to PhP 7000
Shop Now & Pay Latermax APR 49,68%
Period90 – 180 days
Down payment20%
Service fee10%
Interest rate5,99%
Late fee
Repay loan7-Eleven, GCash, ECpay, etc
Certificate of Authority No.

Apply Loan | Read More

Cashalo has 4,4 average score in Google Play among over 128k votes. No one among top 5 loan apps have not such cool score. For sure Cashalo matters when Filipinos need money for urgent things.

JuanHand App

JuanHand Loan Android App

JuanHand mobile application is also very popular among Filipinos, It has over 16k reviews with average score 4,5 in Google Play. It is very high score for loan apps, so it gives additional trust to JuanHand loan app. Product was launched in June 2019 and it is operated by WeFund Lending Corporation, which is a subsidiary of Paipaidai – leading Fintech company in China.

Loan AmountPHP 2000 – PHP 50000
Period91 – 180 days
Service fee10% – 20%
Interest fee12% – 20%
Late fee
Repay loan7-Eleven, GCash, M.Lhuillier, etc
Certificate of Authority No.

Apple Loan | Read More

If you need asap money and no options to get one, Juanhand can help you with it, but don’t forget to read terms before, so you were sure you’ll be able to repay money in time.

Robocash Philippines App

Robocash Philippines Android App

Robocash – it is an international Fintech group. It is present in Vietnam, Indonesia, Russia, Spain, India, Kazakhstan and Philippines. This company has great international experience, so one’s systems are reliable and your personal information will be in safe. Robocash app can be also a good alternative to other lenders. Just check terms, especially for those who will apply for the 1st time. You can get your loan with the minimal interest rate 0,01% per day! Check terms lower:

Loan Amount (1st loan)up to PHP 10000
Interest rate0,01% per day
Period90 – 180 days
Loan Amount (repeated loan)up to PHP 25000
Interest rate11,9% per month or
max APR: 143%
Late fee
Repay loan7-Eleven, RFC brances, Dragonpay, etc
Certificate of Authority No.

Apply Loan | Read More

Robocash app is enough interesting, so you can use it or apply for the loan with Robocash website, it is also possible. Just check, please before applying one more time terms, cause they can be changed with the time. Also, check if you will be able to repay loan in time, so you were able to avoid late fee, etc. Robocash app is new to the Philippines market, but terms bring one to the TOP 5 Loan Apps among non-bank financial lending apps.

Moneycat Philippines App

Moneycat Philippines Android App

Moneycat Philippines provides loans online fast, easy, with 0,01% interest rate for the 1st loan. So, if you are from 20 – 60 years old, Moneycat PH app can support your finance activities and give you salary loan you need.

Loan AmountPHP 1000 – PHP 25000
Period90 – 180 days
Service fee
Interest rate200% per year
Late fee
Repay loan7-Eleven, LBC, ECPay, etc
Certificate of Authority No.

Apply Loan | Read More

Moneycat Philippines mobile application is enough popular and new for Filipinos at the same time. The review score in Google Play is 3,7 among more than 2,5k users’ ratings. You can try it, if you need, but obviously check all terms loan service asks.

Tala Philippines App

Tala Philippines App

Tala PH – it is mobile application with a help of which you can apply loan in 5 minutes. Money will be credited to your e-wallet or bank account. Tala Loan App helps manage your loan story 24/7. To apply loan with Tala application you need 1 major ID, so company could identify the client.

Loan AmountPHP 1000 – PHP 15000
Periodup to 120 days
Service fee11% – 17% depending the period and sum
Interest rate12% – 18% per month
Late fee8%
Repay loan7-Eleven, Cebuana Lhuillier, Coins PH, etc
Certificate of Authority No.

Read More

It is very secured and reliable loan application in the Philippines. Very user-friendly and with competitive terms for appliers. Is Tala in the list of TOP 5 Loan Apps – for sure :)

The Most Common Questions About Loan Apps

⭐ What TOP 5 Loan Apps 2021 in Philippines are worse your attention?

⚡What is the best loan app in Philippines?

It is difficult to say as all apps has own pros and cons, but from our side Cashalo and JuanHand are for sure leaders on the Philippines market.

✋ Why quick loans can be dangerous?

Quick loans, even if you apply ones with these TOP 5 Loan Apps, can be dangerous for every Filipino. When borrower apply online loan, he/she must understand the responsibility. Very important to read all terms, so you were aware about all moments. Before applying you should understand how you will repay it and if it is possible to do in time.
If everything ok here and the reason of taking loan matters, then you can do it, but if:
1) your reason is poor;
2) you don’t know when and how you will able to repay it;
3) you are lazy to read terms, etc…

💳 If you have iOS, where you can apply loan online?

Almost all services already have their mobile apps in App Store, so don’t worry about it, just choose service you’d like. Also, if even one service will not have iOS mobile app, you can apply loan online with the website, for example: Robocash, Moneycat, etc.


What are the advantages and disadvantages of loan apps:


  • it is very convenient;
  • the information about your loan is always with you;
  • some of the apps have 0,01% interest day for the 1st loan


  • lot of scam projects;
  • apps have access to your personal information and contacts (some less, some more);
Linda Carters/ author of the article

Financial Journalist on Advance Loans Philippines with 8 years experience in a Fintech niche.

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