Complete it in 15 minutes or less!

Limited time offer:

first loan interest-free

for 7 days!

Enter your name and email address to get started

Who is eligible to apply?

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

Benefits

• You can now enjoy a seamless and stress-free transaction process from the comfort of your own home.
• Avoid the hassle of going out or visiting a physical location as all operations are conducted online.
• Get up to ₱10,000 in 4 mins with our efficient system
• Directly credited to your bank account.
• Say goodbye to guarantors, complicated paperwork, and hefty deposits.
• Our fully automated service is the ultimate solution to your financial needs.

Terms

Instant Online Loan with flexible repayment terms.

• Installment form you can choose from a 3 to 6 months repayment period.
  
• Our loans are available in amounts from ₱10,500 to ₱25,000.
  
• The interest rate is 11.9% per month, with a maximum APR of 143%.
  

Representative example:

It is easy to borrow ₱ 20,000 with our flexible repayment options.  Can choose a 6-month period with affordable monthly payments of only ₱5,000 and enjoy a low total loan cost of ₱2,383 per month.

Online Loans in the Philippines

While conventional wisdom may suggest that reducing costs and staying away from loans is the way to financial security, many individuals across different age groups and backgrounds still strive to achieve this goal.

Nevertheless, loans can be advantageous in improving one's financial outlook, given that they are used judiciously. Borrowing money to fund career growth or skills acquisition, for instance, can yield significant long-term dividends.

However, using loans to indulge in materialistic or recreational pursuits is a surefire path to financial instability.

Ultimately, how loans are employed is the most critical factor in determining financial success or failure.

How do Instant Loans Work in the Philippines?

Banking services in rural areas of the Philippines are few and far between, which puts a significant number of the population at a disadvantage.

While traveling to the city for conventional banking services is an option, it often comes with the added hassle of waiting in long lines and enduring a lengthy documentation process.

On the other hand, securing an online loan is simple and straightforward, requiring only a valid ID and proof of income.

Thanks to the high rate of internet usage in the Philippines, online loans have become the preferred option for quick and convenient financial solutions.

Are Online Loans Legit?

When dealing with online lending companies, it's crucial to exercise caution since not all of them are authorized. Online lenders must register with the SEC and have a physical office in the Philippines to operate legally. Unfortunately, some unscrupulous lenders operate solely online and exploit customers through unethical practices. When seeking immediate loans online, it can be challenging to distinguish between legitimate and illegal lenders. To ensure that you are working with an authorized lender, check their details on the SEC website. One of our partners, Digido, is a fully authorized company with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Always conduct research and work with a credible online lender.

What are Online Loans?

Attaining financial independence requires meticulous planning and discipline, but unforeseen expenses can derail even the most well-crafted financial plans. In such scenarios, borrowing from friends, family, banks, or other lenders may be necessary. Although banks offer low-interest rates and flexible loan terms, getting a bank loan can be a challenging process with many roadblocks. That's why many people opt for alternative options such as lender loans or online loans, which offer a hassle-free solution for those in need of quick cash without the inconvenience of going outside or comparing rates.

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

1. Accessing loan options from a range of lenders is a breeze with online lending, from the comfort of your home or office.
2. Online lending is a game-changer, as lenders are available around the clock, providing you with the flexibility to apply for a loan at any time.
3. Simplify the loan application process with online loans, as there are minimal requirements, and no need for collateral or a guarantor.
4. An impartial and efficient automated system handles everything from evaluating your loan application, making a decision, and transferring funds.
5. Keep your personal financial details confidential with online loans and eliminate the need to share them with banking professionals.
6. Get quick access to funds with online loans, with the ability to apply and receive the funds in just a few hours, making them known as "Same Day Loans."
7. Online loans boast a 90% approval rate, and unlike traditional banks, online lenders do not engage in cross-selling tactics.
8. Online loans offer versatility, providing access to funds that can be used for any purpose.
9. Easily manage your loan payments with the help of online loan management tools, making it simple to keep track of your repayments.

Due to their accessibility and convenience, online loans have become very popular in the Philippines. These loans have emerged as a desirable choice for Filipinos in need of financial aid due to their low paperwork requirements and high loan acceptance rate, especially for individuals with less-than-ideal credit histories. Their attraction is increased by the additional benefit of prompt fund release.

How to Take an Instant Loan Correctly and Profitably?

Some people may be tempted to turn to these loans for all of their financial needs without giving them any thought because the possibility of obtaining quick cash through a simple online loan application process can be attractive. This strategy may lead to financial chaos and eventually a debt spiral.

Below are the crucial points in securing the right loan:

1. Honesty is always the best policy when requesting loans. Giving a lender inaccurate information about your financial history could lead to a hard credit check, which could lower your credit score and make it more difficult for you to get approved for loans in the future.
2. It's not a good idea to apply for loans from several lenders at once. Limiting credit checks is advised because they can all affect your score.
3. Spend some time comparing multiple lenders to find the best loan choice.
4. Have a clear plan in place to pay back the loan completely and on schedule. Making late or missed payments might lower your credit score and make it more challenging to get approved for loans in the future.
5. Review and fully comprehend all loan documents and terms before making any final decisions.

Conclusion

Loans have two sides to them. They give you a financial boost to assist you achieve your objectives, on the one hand. On the other hand, if used improperly or taken out carelessly, they may trap you in a debt cycle. Having a clear grasp of your financial status and a well-thought-out plan are essential for leveraging loans efficiently. Loans can be a useful tool on your path to financial freedom if you carefully assess your needs and make informed choices.

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: Annual Percentage Rate (APR) is a crucial consideration when you're selecting a loan. It represents the interest that you'll pay throughout the loan period and takes into account the loan amount, repayment schedule, and fees. APRs for loans can differ greatly depending on the type of loan and lender. For instance, personal loans have APRs ranging from 4.99% to 450%, whereas cash advances can have rates as high as 1386%.

Before you sign a loan agreement, it's essential to carefully review the APR and other terms of the loan. Lenders are required by law to provide this information, but keep in mind that APR rates are subject to change and may vary over time. So, it's vital to stay informed and updated with any changes that may impact your loan's overall cost.

Material Disclosure: We are not a lending organization, intermediary, or representative of any lending institution. Instead, we operate as an advertising referral platform that connects 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. 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.

Our service does not constitute a proposal or request for any illegal loan product, and we do not endorse or charge for any service or product. Any compensation we receive is solely for the advertising services provided by participating lenders. Additionally, 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. Therefore, we do not have access to the full details of your loan, including the APR. If you need more information on your loan, such as 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 our website, it may be shared with one or more participating lenders. However, 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. Additionally, repayment terms, cash transfer times, and local regulations may vary among lenders. Some lenders may require faxing, so be sure to check with your lender for more details. These disclosures are provided for informational purposes only and should not be considered as legal advice.

Credit Implications: We do not make any lending decisions on our website. Instead, we connect you with independent participating lenders who may evaluate your creditworthiness and credit history by conducting checks with credit reporting agencies or obtaining consumer reports through alternative providers. By submitting your information, you consent to these participating lenders verifying your details and credit history.

The loans offered by participating lenders in our network are intended to provide short-term cash relief and should not be considered a long-term debt solution. It's crucial that you only borrow what you can pay back on your next payday. We encourage you to seek expert financial advice for your needs, the risks involved, and alternative options to short-term loans.

Late loan payments could result in added fees or collection actions, or both, so be sure to review your lender's terms and conditions carefully. Keep in mind that every lender operates under their own set of terms and conditions, so it's essential to review them for more information. Failing to repay a loan could lead to collection activities, so please make sure to repay your loan on time.

Furthermore, every lender has a unique renewal policy, so be sure to review the policy of your lender before proceeding. If you have any questions or concerns, please contact your lender directly for more information.