Get a Personal Loan Up To PHP 25,000

Everything is Done Online, Fast And Easy

Who is eligible to apply?

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

Benefits

• Get the financial assistance you need without the hassle by applying for a loan online.
• No more long queues and time-consuming paperwork with our seamless and convenient process.
• With just a few clicks, you can apply for a loan from the comfort of your home or anywhere with internet access.
• Receive the funds you need in just four minutes directly to your bank account, without the need for a guarantor or complicated documentation.
• Our fully automated system ensures that your loan application is processed quickly and efficiently, making it the ultimate solution for your financial needs.

Terms

Get an Instant Online Loan - an easy-to-use installment credit accessible online with comfortable payment options.

• Borrow an amount between ₱10,500 and ₱25,000.
  
• Choose a repayment plan that works for you, from 3 to 6 months.
  
• With a fixed interest rate of 11.9% per month (maximum APR=143%), you'll know exactly what you're paying for.
  

Representative example:

Suppose you decide to borrow PHP 20,000 and pay it back over a 6-month period, which means you'll need to pay PHP 5,000 every month. However, it's essential to know that the total loan cost is PHP 2,383 per month, which includes an annual percentage rate (APR) of 143%. The APR reflects the additional cost of borrowing, such as interest and other fees, that are spread out over a year. Therefore, it's crucial to consider the loan's total cost before applying for it, to make sure it fits your budget and you can afford to repay it.

Online Loans in the Philippines

Although conventional wisdom suggests that cutting costs and avoiding loans are the best ways to achieve financial stability, many individuals from different backgrounds still aspire to attain it. Loans, when used wisely, can actually help improve one's financial situation.

For instance, obtaining a loan for professional growth or acquiring new skills can lead to long-term benefits. Conversely, loans that are used for leisure or consumerism can lead to financial instability. The key is not to avoid loans altogether, but to use them wisely. Properly utilizing loans can help one achieve financial independence, while reckless borrowing can lead to financial ruin.

How do Instant Loans Work in the Philippines?

In remote regions of the Philippines, traditional banking services can be hard to come by, leaving a substantial proportion of the populace with limited options for accessing financial services. This creates a conundrum for many, who must journey to bigger cities, only to face the frustrations of congested banks and interminable waiting periods due to the high volume of customers and extensive documentation procedures.

On the flip side, acquiring an online loan is an easy and efficient process, necessitating only a valid ID and proof of income. All one has to do is create an account on an online platform, provide the requisite documentation to demonstrate creditworthiness, and receive a verdict within minutes. With the Philippines having a high rate of Internet connectivity, online loans have become a popular alternative for urgent financial needs, delivering expediency and efficiency without the need to travel to distant banks or contend with lengthy queues.

Are Online Loans Legit?

In today's digital age, online lending has become increasingly popular, but not all lenders are created equal. It's important to be vigilant because not all online lenders are legitimate. To operate legally in the Philippines, online lending companies must register with the SEC and maintain a physical office. Unfortunately, some unscrupulous lenders operate solely online, taking advantage of unsuspecting customers with unethical practices. Finding a trustworthy lender among the countless options available can be overwhelming. For peace of mind, always verify the legitimacy of a lender by checking their details on the SEC website. For example, Digido (one of our partners) is a fully licensed company with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Remember to take the time to research and ensure you're working with a reputable online lender before committing to any loan agreement.

What are Online Loans?

Building financial independence demands a combination of a well thought-out plan and discipline, but unforeseen expenses can throw off even the most comprehensive financial strategies. When emergencies arise, loans from traditional sources like friends, family, banks, and lenders may be the only option. While banks offer favorable interest rates and flexible loan terms, the application process can be daunting and complex, leading many to seek out alternative sources like online and lender loans. Online loans provide a fast, hassle-free option for individuals in need of quick cash without leaving the comfort of their homes or spending time searching for the best deal.

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

1. Discover the advantages of online lending, with the comfort of your home or office, allowing you to compare loan options from various lenders easily.
   
2. Get loans with ease, as online lenders operate 24/7, ensuring that you can obtain a loan at any time.
3. The documentation process for online loans is a breeze, with minimal requirements and no need for collateral or a guarantor.
4. A fair and efficient automated system handles the loan evaluation, decision-making, and fund transfer.
5. Keep your financial information private, and avoid sharing details with banking professionals.
   
6. Same day loans are possible, with loan application and disbursement processed in just a few hours.
   
7. The impressive approval rate for online loans is 90%, without any cross-selling tactics.
   
8. Online loans are versatile and can be used for any purpose you desire.
   
9. Manage your loan payments easily with online loan management tools, keeping track of due dates and payment history.
   

The convenience and accessibility of online loans in the Philippines have made them increasingly popular. These loans require minimal documentation and have a high approval rate, even for those with a less-than-ideal credit history, making them a desirable option for Filipinos who need financial assistance. Furthermore, the added advantage of quick disbursement of funds only enhances their appeal.

How to Take an Instant Loan Correctly and Profitably?

The ease of obtaining fast cash through an online loan application may tempt some people to rely on these loans for all their financial needs without careful thought. This can create chaos in their finances and potentially lead to a cycle of debt.

Below are the crucial points in securing the right loan:

1. Honesty is crucial when applying for loans as providing false information about your financial history can negatively impact your credit score.
2. Limit the number of lenders you apply to at once as each credit check can lower your score.
   
3. Take the time to shop around and compare different lenders to find the best loan option.
   
4. Have a solid repayment plan in place to avoid missing or late payments that can harm your credit score and future loan opportunities.
5. Before taking any action, thoroughly read and comprehend all loan documentation and terms.
   

Conclusion

Loans can be both helpful and risky. They can provide a much-needed financial boost to achieve your goals, but if not managed wisely, they can result in an endless cycle of debt. The trick to using loans effectively is to fully comprehend your financial status and create a well-thought-out plan. By assessing your needs and making informed choices, loans can be a valuable asset in attaining 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.

APR Disclosure: When considering a loan, it's important to take into account the Annual Percentage Rate (APR), which represents the interest you'll be charged over the course of the loan. The APR takes into account the loan amount, fees, and repayment schedule, and can vary widely depending on the type of loan and lender. Cash advances tend to have the highest APRs, reaching up to 1386%, while personal loans can range from 4.99% to 450%. It's essential to review all loan terms carefully before signing an agreement, as lenders are required to disclose this information by law. Keep in mind that APR rates are subject to change and may fluctuate over time.

Material Disclosure: The entity responsible for this website does not act as a lender or intermediary. Instead, we serve as an advertising referral platform connecting potential borrowers with qualified participating lenders. These 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. Our platform does 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. We have no control over the actions of any lender and are not responsible for them. 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. 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: The entity behind this website does not make lending decisions but connects you with independent participating lenders who may assess your creditworthiness and credit history. These lenders may conduct checks with credit reporting agencies or obtain consumer reports through alternative providers. By submitting your information, you consent to these participating lenders verifying your details and credit history. It's important to note that the loans offered by participating lenders in our network are intended to provide short-term cash relief and are not meant to be a long-term debt solution. Borrow only what you can pay back on your next payday, and consider seeking expert financial advice for your needs, risks, and alternative options to short-term loans. Late loan payments could result in added fees or collection actions, or both. Every lender operates under their own set of terms and conditions, so be sure to review them for more information. Failing to repay a loan could lead to collection activities. Every lender has a unique renewal policy, so be sure to review the policy of your lender before proceeding.