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Who is eligible to apply?

Employed individuals and selected professionals
Filipino Residents

Benefits

Enjoy effortless and hassle-free transactions from the convenience of your own home.
Eliminate the need for venturing outside or making trips to physical establishments, as all operations are seamlessly carried out online.
With our swift and effective system, you can obtain a sum of ₱ 10,000 within a mere four minutes, directly deposited into your bank account.
Bid farewell to the requirement of guarantors, intricate paperwork, or substantial deposits.
Our fully automated service presents itself as the definitive answer to all your financial requirements.

Terms

Experience the convenience of an Instant Online Loan, an innovative installment credit solution with flexible and convenient repayment terms.

Choose from a range of repayment options spanning three, four, five, or six months, tailored to suit your financial needs.
Access loan amounts ranging from 10,500 to 25,000, ensuring you have the necessary funds to meet your requirements.
Benefit from competitive interest rates of 11.9% per month, ensuring affordability while keeping your financial well-being in mind.
Rest assured with a maximum Annual Percentage Rate (APR) capped at 143%, providing transparency and peace of mind throughout your loan tenure.

Representative example:

If you opt for a PHP 20,000 loan and select a six-month repayment plan, you will enjoy the benefit of affordable monthly payments of only PHP 5,000. Moreover, your total loan expense will amount to PHP 2,383 per month, keeping in line with an Annual Percentage Rate (APR) of 143%.

Online Loans in the Philippines

In the pursuit of financial stability, individuals from all walks of life often strive to achieve it, despite the traditional wisdom of cost-cutting and avoiding loans. However, loans can serve as a valuable tool in improving one's financial standing when employed judiciously. For instance, utilizing a loan to invest in professional growth or acquire new skills can yield long-term advantages. Conversely, loans driven by consumerist tendencies or leisurely pursuits can erode financial equilibrium. The crucial factor lies not in the mere existence of loans but rather in their prudent utilization. Wise loan management can pave the path towards financial independence, while imprudent loan usage may lead to financial downfall.

How do Instant Loans Work in the Philippines?

Within the rural regions of the Philippines, accessing traditional banking services can prove challenging, leaving a significant portion of the population devoid of conventional financial options. This presents a two-sided predicament as individuals are often compelled to journey to bustling urban centers, only to contend with crowded banks and sluggish service, courtesy of extensive customer queues and protracted documentation procedures. Conversely, procuring an online loan provides a swift and attainable solution, demanding solely a valid identification document and proof of income. Merely establish an account on a dedicated online platform, furnish the requisite documentation to establish creditworthiness, and receive a prompt decision within minutes. Given the Philippines' noteworthy internet penetration rates, online loans have emerged as the preferred choice for pressing financial exigencies. They offer unparalleled convenience and speed, eliminating the need to traverse great distances to distant banking establishments and endure protracted queues.

Are Online Loans Legit?

In the realm of online lending, not all companies adhere to legal standards, making it crucial to exercise caution. Legitimate online lending companies must undergo registration with the SEC and maintain a physical office in the Philippines to operate lawfully. However, certain unscrupulous lenders function exclusively through online platforms, exploiting customers through unethical practices. When searching for instant online loans, distinguishing between authorized and unauthorized lenders can prove challenging. To guarantee your collaboration with a legitimate lender, it is advisable to verify their information on the SEC website. As an illustration, Digido (a valued partner of ours) stands as a fully licensed entity with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Prioritize diligent research to ensure your association with a reputable online lending institution.

What are Online Loans?

Attaining financial independence necessitates meticulous strategizing and unwavering discipline, yet unforeseen expenditures have the potential to derail even the most well-crafted financial blueprints. During such circumstances, seeking assistance in the form of loans from friends, family, banks, or lenders may become imperative. While banks typically offer favorable interest rates and flexible loan terms, the process of securing a bank loan can prove daunting, laden with various obstacles. Hence, individuals often explore alternative avenues like lender loans or online loans. Online loans emerge as a convenient solution for those seeking rapid financial aid, eliminating the need to leave the comfort of their homes or engage in exhaustive comparisons for the best available option.

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

Explore a range of loan options effortlessly from the comfort of your home or office, thanks to online lending platforms.
Enjoy unparalleled convenience as online lenders operate round the clock, ensuring access to loans at any time.
Experience a straightforward documentation process for online loans, with minimal requirements and no collateral or guarantor needed.
Benefit from an automated system that handles loan evaluation, decision-making, and fund transfer efficiently and fairly.
Rest assured that your financial information remains private, eliminating the need to disclose details to a banking professional.
Complete the loan application and receive funds within hours, earning online loans the reputation of "Same Day Loans."
Marvel at the impressive approval rate of 90% for online loans, distinguishing them from certain banks that engage in cross-selling practices.
Embrace the versatility of online loans, which can be utilized for any purpose you desire.
Stay organized by utilizing online loan management tools that simplify the tracking of loan payments.

The convenience and accessibility of online loans in the Philippines have sparked a significant surge in their popularity. This emerging financial solution entices individuals with its streamlined application process, demanding only minimal documentation. Notably, online loans present an alluring option for Filipinos, even those with less-than-perfect credit histories, thanks to their impressively high loan approval rate. Moreover, the swift disbursement of funds further amplifies their appeal, making online loans an attractive choice for those seeking prompt financial assistance.

How to Take an Instant Loan Correctly and Profitably?

The allure of obtaining rapid funds through a seamless online loan procedure can be enticing, prompting certain individuals to rely on these loans for every financial need without careful deliberation. However, adopting such an approach without due consideration can lead to financial turmoil, ultimately culminating in a cycle of indebtedness.

Below are the crucial points in securing the right loan:

Embrace honesty as your guiding principle when applying for loans. Providing accurate information about your financial history is essential, as falsifying details may prompt lenders to conduct hard credit checks, negatively impacting your credit score and jeopardizing future loan opportunities.
Avoid the detrimental mistake of applying for loans from multiple lenders simultaneously. Each credit check can potentially lower your credit score, so it's wise to limit such inquiries.
Dedicate ample time to thoroughly compare different lenders, ensuring you find the best loan option available. Patiently shopping around will enable you to make an informed decision.
Develop a robust repayment plan to honor your loan obligations promptly and in full. Failure to make timely payments or missing payments altogether can harm your credit score and hinder your chances of securing favorable loans down the line.
Prior to finalizing any loan agreement, exercise due diligence by meticulously reviewing and comprehending all loan documents and terms. It is crucial to have a clear understanding of your obligations and responsibilities before proceeding.

Conclusion

Loans possess a dual nature, akin to a two-edged blade. On one edge, they serve as a catalyst, empowering you to achieve your aspirations. Conversely, when mishandled or obtained recklessly, they have the potential to ensnare you within a web of indebtedness. The crux of harnessing the potential of loans lies in comprehending your financial circumstances and devising a meticulous strategy. By thoughtfully evaluating your requirements and exercising prudent judgment, loans can metamorphose into a priceless instrument, propelling you towards the realms of financial liberation.

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

Example:
AMOUNT: 1000 php + COMISSION: 180 php = TO PAYOFF 1180 php
0.1% for the first loan

1ST LOAN: 25000 php, REPEATED: 25000 php, TERM: Up to 180 days

DIGIDO FINANCE CORP.

SEC Registration No. 202003056. Certificate of Authority No. 1272

Example:
AMOUNT: 1000 php + COMISSION: 18 php = TO PAYOFF 1018 php
0.01% for the first loan

1ST LOAN: 25000 php, REPEATED: 25000 php, TERM: Up to 180 days

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.

Example:
AMOUNT: 1000 php + COMISSION: 18 php = TO PAYOFF 1018 php
0.01% for the first loan

1ST LOAN: 20000 php, REPEATED: 20000 php, TERM: Up to 180 days

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.

Example:
AMOUNT: 1000 php + COMISSION: 60 php = TO PAYOFF 1060 php
0.1% for the first loan

1ST LOAN: 25000 php, REPEATED: 25000 php, TERM: Up to 60 days

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.

Example:
AMOUNT: 1000 php + COMISSION: 60 php = TO PAYOFF 1060 php
0.1% for the first loan

1ST LOAN: 25000 php, REPEATED: 25000 php, TERM: Up to 60 days

Material disclosure

APR Disclosure: Delving into the realm of loans necessitates a meticulous consideration of the Annual Percentage Rate (APR). Serving as a pivotal metric, the APR encapsulates the interest that will accrue throughout the loan duration, incorporating the loan amount, associated fees, and repayment schedule. The wide-ranging landscape of loan options and lenders entails a significant variance in APRs, with cash advances boasting the highest rates reaching a staggering 1386%, while personal loans exhibit a spectrum spanning from 4.99% to 450%. It becomes imperative to exercise due diligence in scrutinizing the APR alongside other loan terms prior to appending your signature to a loan agreement, as lenders are bound by legal obligations to furnish this information. It is crucial to note that APR rates remain susceptible to fluctuations and are subject to change over time.

Material Disclosure: The entity responsible for this website operates solely as an advertising referral platform, devoid of any lending authority, intermediary role, or representation on behalf of lending organizations. Our primary function revolves around connecting prospective borrowers with qualified participating lenders, who may offer loan amounts spanning 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 is important to acknowledge that not all lenders possess the capability to provide these specified loan amounts, and there exists no guarantee of acceptance from any participating lender. Our service should not be construed as a proposal or solicitation for any illicit loan product. This platform does not endorse or levy charges for any service or product, and any compensation received is solely attributed to the advertising services rendered by participating lenders. The service and offer presented herein are deemed null and void in prohibited jurisdictions. We bear no authority over the actions undertaken by lenders and disclaim any responsibility for such actions. The complete details of your loan, including the Annual Percentage Rate (APR), remain beyond our purview. For comprehensive information concerning your loan, encompassing specific terms, interest rates, renewal options, payment particulars, and potential ramifications for missed payments, kindly direct your queries to the lender directly. By submitting your registration information on this website, it may be shared with one or more participating lenders. Availability of our service does not impose any obligation to initiate contact with a lender, register for credit, obtain any loan product, or accept an offer from a participating lender. Repayment terms, transfer durations, and local regulations may vary among lenders. Certain instances may necessitate the use of faxing. These disclosures are solely intended for informational purposes and should not be regarded as legal counsel.

Credit Implications: The entity responsible for this website does not partake in any lending decisions. Rather, it serves as a conduit, connecting you with independent participating lenders who may evaluate your creditworthiness and credit history by engaging credit reporting agencies or procuring consumer reports through alternative providers. By submitting your information, you grant consent to these participating lenders for the verification of your details and credit history. The loans made available by the participating lenders within our network are intended to furnish short-term relief in the form of cash and should not be regarded as a long-term solution for debt. It is of utmost importance that you borrow only what you can repay upon your forthcoming payday. It is advisable to seek the counsel of financial experts regarding your requirements, the associated risks, and alternative options to short-term loans. Delinquency in loan payments may lead to additional fees, collection efforts, or both. Each lender operates according to their distinct terms and conditions; therefore, it is essential to review them for comprehensive details. Failure to repay a loan could result in the initiation of collection activities. Every lender adheres to a unique renewal policy, hence it is crucial to familiarize yourself with your lender's policy before proceeding.