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Who is eligible to apply?

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

Benefits

Enjoy smooth and hassle-free transactions right from your own home.
No more leaving your house or heading to a brick-and-mortar location, as all operations are completed online.
Our fast and effective system can deposit up to ₱ 10,000 directly into your bank account in as little as four minutes.
Forget about the need for cosigners, convoluted paperwork, or large initial payments.
Our fully automated service provides the ultimate solution for all your financial requirements.

Terms

Get an Instant Online Loan with flexible repayment options through our convenient online installment credit.

Choose a repayment term that suits you, with options ranging from three to six months.
Borrow an amount between ₱10,500 to ₱25,000 to meet your financial needs.
Our interest rates start from 11.9% per month, with a maximum Annual Percentage Rate (APR) of 143%.

Representative example:

Obtaining a PHP 20,000 loan is a breeze with our adjustable payment plans. Opt for a six-month period and pay just PHP 5,000 per month. Plus, take advantage of a low total loan cost of only PHP 2,383 per month. Our Annual Percentage Rate (APR) is capped at 143%.

Online Loans in the Philippines

Despite the age-old wisdom of cutting costs and avoiding debt, many people aspire to achieve financial stability, regardless of their age or background. However, loans can actually help improve one's financial situation if used wisely.

For instance, taking out a loan to invest in professional development or gain new skills can yield long-term benefits. Conversely, loans used for indulgent purchases or leisure activities can undermine financial stability. The key is not the mere presence of loans, but rather the manner in which they are utilized. Responsible loan usage can lead to financial freedom, while reckless borrowing can result in financial ruin.

How do Instant Loans Work in the Philippines?

Access to formal banking services can be challenging in rural parts of the Philippines, leaving many people without traditional banking options. This presents a twofold issue, as residents must travel to more populated areas to access banks, only to be met with long lines and slow service due to high demand and extensive documentation requirements.

In contrast, obtaining an online loan is a quick and easily accessible process that only requires a valid ID and proof of income. Simply register on an online platform, provide the necessary documentation to prove your creditworthiness, and receive a decision in a matter of minutes. With a high level of Internet usage in the Philippines, online loans have become a favored choice for urgent financial needs, offering speed and convenience without the inconvenience of traveling to distant banks and waiting in long queues.

Are Online Loans Legit?

When it comes to online lending companies, not all of them are trustworthy or lawful, making it crucial to exercise caution. For an online lending company to legally operate, it must be registered with the SEC and have a physical office located within the Philippines. Nevertheless, some unscrupulous lenders operate solely online, preying on unsuspecting customers through unethical practices. When seeking immediate online loans, it can be challenging to distinguish between genuine and illegal lenders. Therefore, it's crucial to verify the legitimacy of the lender before transacting any business with them. One way to do this is by checking their details on the SEC website. For instance, our partner Digido is a fully licensed company with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Always take the time to research and make sure you're working with a reputable online lender.

What are Online Loans?

Attaining financial independence necessitates strategic planning and discipline, yet unexpected expenses can derail even the best-laid financial plans. In such cases, loans from friends, family, banks, or lenders may become necessary. While banks offer favorable interest rates and flexible loan terms, securing a bank loan can be an overwhelming process fraught with challenges. For this reason, individuals often seek out alternative options such as online loans or lender loans. Online loans offer a convenient and practical solution for those in need of swift cash without the hassle of leaving their homes or scouring the market for the best deals.

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

Easily compare loan options from multiple lenders from the comfort of your home or office through online lending.
The convenience of online lending is unparalleled, with lenders available 24/7, making it simple to obtain a loan at any time.
The documentation process for online loans is straightforward, requiring minimal requirements and no collateral or guarantor.
An automated system handles loan evaluation, decision-making, and fund transfer in a fair and efficient manner.
Your financial information is kept confidential, and you do not need to disclose any details to a banking professional.
The loan application and disbursement process can be completed in just hours, making online loans known as "Same Day Loans."
With an impressive 90% approval rate, online lenders do not engage in cross-selling like some banks.
Online loans are versatile and can be used for any purpose.
Keeping track of loan payments is simple with online loan management tools.

The convenient and easily accessible nature of online loans in the Philippines has made them immensely popular. With minimal documentation requirements and a high loan approval rate, even those with a less-than-ideal credit history can obtain financial assistance through these loans. This has made them an appealing option for Filipinos seeking help with their finances. Furthermore, their quick fund disbursement adds to their allure.

How to Take an Instant Loan Correctly and Profitably?

The notion of obtaining swift cash through an uncomplicated online loan process can be tempting, causing some individuals to rely on these loans for all their financial needs without due consideration. This approach can lead to financial turmoil, ultimately resulting in a vicious cycle of debt.

Below are the crucial points in securing the right loan:

Honesty is the best policy when applying for loans. Providing false financial information could result in a lender performing a hard credit check, which can negatively affect your credit score and make it harder to secure favorable loans in the future.
Applying for loans from multiple lenders simultaneously is ill-advised. Each credit check can lower your score, so it's best to limit them.
Take the time to compare various lenders to find the best loan option for you.
Ensure that you have a solid plan in place to repay the loan on time and in full. Late or missed payments can damage your credit score and make it challenging to obtain favorable loans in the future.
Before making any final decisions, it's crucial to thoroughly review and comprehend all loan documents and terms.

Conclusion

Loans can be a double-edged sword, offering a financial boost to help you achieve your goals but, if misused or taken out recklessly, can trap you in a cycle of debt. The key to harnessing the power of loans effectively is to have a comprehensive understanding of your financial situation and a well-thought-out strategy. By thoughtfully considering your needs and making prudent decisions, loans can be a valuable tool on your path to achieving 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.

Material disclosure

APR Disclosure: When selecting a loan, the Annual Percentage Rate (APR) is a crucial factor to consider. The APR is the interest rate charged over the course of the loan and incorporates the loan amount, fees, and repayment schedule. Loan APRs can vary widely depending on the type of loan and lender, with cash advances having the highest rates (up to 1386%), while personal loans have a range of 4.99% to 450%. Lenders are legally obligated to disclose this information, so it's essential to carefully review the APR and other loan terms before signing a loan agreement. Bear 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, intermediary, or representative of any lending institution. Instead, we operate as an advertising referral platform that connects potential borrowers with qualified participating lenders who 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 is not a proposal or request for any illegal loan product. This is not a specific loan offer, 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 legal advice.

Credit Implications: The entity responsible for this website does not make any lending decisions. Instead, we connect you with independent participating lenders who may evaluate your creditworthiness and credit history by checking with credit reporting agencies or using alternative providers. By submitting your information, you consent to these participating lenders verifying your details and credit history. The loans provided by the participating lenders in our network are designed to offer you short-term cash relief and are not intended as a long-term debt solution. It is essential to only borrow what you can repay on your next payday. Consider seeking 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. 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. Each lender has a unique renewal policy, so make sure to review your lender's policy before proceeding.