Complete within four minutes!

Access your first loan

 at a 0% interest rate

 for seven days!

Find out if you qualify with just a few questions

Who is eligible to apply?

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

Benefits

• Experience hassle-free and seamless transactions right from the comfort of your own home.
• Say goodbye to the hassle of visiting a physical location, as our operations are entirely online.
• Thanks to our fast and efficient system, you can receive up to ₱ 10,000 in just four minutes, directly deposited into your bank account.
• No need to provide guarantors, complicated documentation, or large deposits.
• Our fully automated service is the perfect solution for all your financial needs.

Terms

Get an Instant Online Loan, an easy-to-use installment credit available online.

• Choose a repayment term that suits your needs: 3, 4, 5, or 6 months.
• Obtain a loan ranging from ₱10,500 to ₱25,000.
• Enjoy low interest rates of just 11.9% per month (maximum APR=143%).

Representative example:

Suppose you apply for a loan of PHP 20,000 and opt for a six-month repayment plan. In that case, you will only have to pay PHP 5,000 per month, and the total cost of the loan will be PHP 2,383 per month (with a maximum APR of 143%).

Online Loans in the Philippines

While it is often recommended to save money and avoid borrowing, many individuals from all backgrounds strive to achieve financial security. However, loans can be an essential tool in improving one's financial well-being when used responsibly. For instance, acquiring a loan for career advancement or learning new skills can offer lasting advantages.

Conversely, loans taken out for frivolous spending or leisure activities can jeopardize one's financial stability. The critical factor is not the mere existence of loans but how they are utilized. Smartly managing loans can result in financial freedom, whereas reckless borrowing can result in financial peril.

How do Instant Loans Work in the Philippines?

Accessing formal banking services can be challenging for people residing in rural areas of the Philippines, which leaves a significant portion of the population without conventional banking options. This creates a problem as many must travel to more populated cities, only to face crowded banks and slow service due to high customer volume and lengthy documentation processes.

However, online loans offer a quick and accessible solution, requiring only a valid ID and proof of income. By creating an account on an online portal, submitting the necessary documentation to prove creditworthiness, and receiving a decision within minutes, the process becomes seamless. With a high rate of Internet penetration in the Philippines, online loans have become the preferred choice for urgent financial needs. They offer convenience, speed, and a hassle-free experience without the need for traveling to distant banks and waiting in long lines.

Are Online Loans Legit?

It's crucial to exercise caution when dealing with online lending companies, as not all of them are legitimate. Legally operating online lending companies must be registered with the SEC and maintain a physical office in the Philippines. However, some illegal lenders conduct business exclusively online, resorting to unethical practices to exploit their customers. When searching for instant loans online, it can be challenging to distinguish between legal and illegal lenders. To ensure that you're working with a reputable online lender, it's essential to verify their credentials on the SEC website. As an example, Digido, one of our esteemed partners, is a fully licensed company with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Always conduct thorough research to guarantee that you're working with a reliable online lender.

What are Online Loans?

Becoming financially independent is a goal that requires discipline and strategic planning, but unplanned expenses can easily disrupt even the most well-thought-out financial strategies. In these situations, borrowing from banks, friends, family, or lenders can become a necessary option. Although banks may offer attractive interest rates and flexible loan terms, the application process can be a difficult and time-consuming experience. That's why many people opt for alternative financing options like lender loans or online loans. Online loans provide a convenient solution for those in need of quick cash without the hassle of leaving their homes or spending time shopping around for the best deal.

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

1. Online lending allows for easy comparison of loan options from multiple lenders without leaving your home or office.
   
2. Online lenders operate 24/7, providing unparalleled convenience and the ability to apply for a loan at any time.
3. The documentation process for online loans is simple and requires minimal requirements, with no need for collateral or a guarantor.
4. Loan evaluation, decision-making, and fund transfer are all managed by an automated system, ensuring an efficient and equitable process.
5. Your financial information remains private, and you don't have to disclose it to a banking professional.
6. Online loans are often approved and disbursed within hours, earning them the nickname "Same Day Loans."
7. The approval rate for online loans is high at 90%, and there's no cross-selling involved unlike some banks.
8. Online loans offer the flexibility of being utilized for any desired purpose.
9. Online loan management tools make it easy to keep track of payments.

The ease and accessibility of online loans in the Philippines have made them a highly sought-after financial solution. With a streamlined application process and a high approval rate, even those with less than perfect credit scores can obtain the funds they need quickly. This hassle-free option is increasingly popular among Filipinos in need of financial assistance. Furthermore, the fast fund disbursement process adds to the appeal of online loans.

How to Take an Instant Loan Correctly and Profitably?

Although online loans offer an attractive prospect of obtaining quick cash through a hassle-free process, some individuals may fall into the trap of relying on these loans for all their financial needs without proper consideration. This approach may lead to financial instability and eventually result in a cycle of debt. It is crucial to exercise caution and use online loans only when necessary and for the intended purpose, keeping in mind the loan's repayment terms and interest rates.

Below are the crucial points in securing the right loan:

1. It's important to be truthful when applying for loans. Providing false information could result in a hard credit check that negatively impacts your credit score, making it harder to secure good loans in the future.
2. Don't apply for loans from multiple lenders simultaneously. Each credit check can hurt your score, so it's best to limit them.
3. It's important to invest time in comparing various lenders to find the loan option that best fits your financial needs.
4. Make sure you have a solid plan to repay the loan on time and in full.
5. Before finalizing any loan agreement, it is important to thoroughly review and comprehend all of the loan documents and terms.

Conclusion

Loans can be a useful tool to help achieve financial goals, but they come with a degree of risk. When used irresponsibly or without a thorough understanding of one's financial situation, they can lead to a cycle of debt that is difficult to escape. To ensure loans are leveraged effectively, it's important to have a well-planned strategy and a clear understanding of your financial needs. By making wise decisions and considering your financial situation carefully, loans can be a valuable asset in achieving financial freedom.

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.

APR Disclosure: Transparency is key when it comes to choosing a loan, and understanding the Annual Percentage Rate (APR) is an essential component. The APR is the interest rate that will be charged on the loan amount, including any fees and repayment schedule. APR rates can vary widely depending on the loan type and lender, ranging from 4.99% to 450% for personal loans, and up to 1386% for cash advances. It's crucial to carefully review the APR and other loan terms before signing the agreement, as lenders are legally required to disclose this information. Keep in mind that APR rates are subject to change and may fluctuate over time, so it's important to stay informed.

Material Disclosure: This website is not a lending organization, intermediary, or representative. Instead, we act as an advertising referral platform connecting potential borrowers with qualified participating lenders who offer various loan amounts. These loans include cash advances up to ₱25,000, installment loans up to ₱100,000, and personal loans up to ₱500,000. However, 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. We do not endorse or charge for any service or product, and any compensation received is solely for advertising services provided by participating lenders. Our service does not constitute a proposal or request for any illegal loan product. Additionally, our platform does not have access to the full details of your loan, including the APR. Therefore, 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. Repayment terms, cash transfer times, and local regulations may vary among lenders. Some faxing may be required. These disclosures are provided for informational purposes only and should not be considered as legal advice.

Credit Implications: Our website does not make lending decisions, but instead acts as a platform connecting you to independent participating lenders. These lenders 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 agree to allow these lenders to verify your details and credit history. The loans offered by our participating lenders are intended to provide short-term financial relief, and should not be considered as a long-term debt solution. It's important that you only borrow what you can afford to repay on your next payday. We strongly advise seeking expert financial advice to explore alternative options to short-term loans and to understand the risks involved. Late loan payments may result in added fees or collection actions, or both, and every lender operates under their own terms and conditions. Be sure to review your lender's renewal policy before proceeding, as failing to repay a loan could result in collection activities.