10+ Best Loan App Philippines With Low Interest Rate

Online loans app Philippines support fast financial solutions within a day with a loan limit of 1000 ₱ – 25000 ₱ with just ID card, disbursed directly through a bank account after your loan approval. Who can get a loan online? A resident of the Philippines between the age of 20 and 70 with any credit history, bank account in any of Philippine’s bank, and an active telephone number.


10+ Best Instant Loans Online App 24/24 With Lowest Interest Rate

Summary of the most prestigious 24/24 Online Instant Loan App in Philippines 2022:

  1. MoneyCat PH – Loans Online 24/7.
  2. OLP PH – Loan Online 24/24 with 0% Interest. Read more >>
  3. Credify PH – Online Loan with ID Card 0% Interest Rate. Read more >>
  4. Crezu PH – Instant Loan Online Only ID card. Read more >>
  5. Mazilla PH – Loans Online 24/7.
  6. SosCredit PH – Online Loan Without Authentication. Read more >>
  7. Binixo PH – Fast Loan Online up to PHP 25,000. Read more >>
  8. CashXpress – Quick approval, Up to PHP 20 000. Read more >>
  9. Finbro PH.
  10. PesoRedee PH.

Note: Customers can apply for loans online at many apps to increase the disbursement rate of loan documents.

Digido PH (old Robocash)

Up to PHP 10 000, for each new client!

  • Amounts: 25.000 PHP
  • Interest: 11,9% year

Get Money Now

Digido is a lending service platform in the Philippines that provides easy-operation, no-collateral online cash-lending service to help users solve their problem of money. Here are some information about Digido loans:

  • Loan amount: In Digido, you can borrow a minimum of PHP 1,000 and a maximum of PHP 25,000.
  • Loan duration: The loan duration is 30 days.
  • Interest rate: The daily interest rate is 1.5%.
  • Eligibility: A first-time customer can get a maximum credit of PHP 10,000, while a repeat customer with no pending loans can get up to PHP 25,000.
  • Payment method: You can pay your loan online or in their physical locations.

MoneyCat PH

MoneyCat PH - Loan App Philippines With Low Interest
First loan for FREE

  • Amounts: 20.000 PHP
  • Interest: 11,9% year

Get Money Now!!! 

MoneyCat PH is a reputable instant cash loan online website in the Philippines that offers fast approval and simple procedures. Here are some details about MoneyCat PH and how to use their services:

  • Application: Fill up the application form and confirm using the OTP code.
  • Approval: Get an SMS notification about approval within 30 minutes after the phone call.
  • Disbursement: Receive the money in your bank card.
  • Requirements: Provide any document, phone number, and bank account in your name.
  • Repayment: To repay the online loans, you can pay online, bank cash payment, or GCash. Enter the OTP code sent through SMS and then click the “Log in” button. Select one payment method and click the “Pay loan” button. All Dragonpay payment partners are in the list so just choose what is convenient for you
  • Contact: You can contact MoneyCat PH through their website or by phone. They have a team of professionally trained staff who are always ready to support you.
  • MoneyCat PH has helped many people in different situations, such as unexpected expenses, car repairs, and school fees
  • They offer loans up to 20,000 PHP with minimum documents required.
  • Their mobile app also allows for easy loan applications with fast approval rates.

Online Loans Pilipinas

0% interest

  • Amounts: 20.000 PHP
  • Interest: 25% year

Get Money Now!!! 

Online Loans Pilipinas is a lending company that offers fast loans with no collaterals and tedious processing. Here are some details about the company and its services:

  • Repeat Loan: Online Loans Pilipinas offers better offers for repeaters. Repay your loan on time and get up to P20,000 on your next loans and other benefits.
  • Loan Repayment: To repay a loan, log in to your personal account on the Online Loans Pilipinas website and click on the “REPAY ONLINE” button. Follow the instructions to complete the payment.
  • Contact Us: Online Loans Pilipinas has an open-door policy and encourages customers to reach out with any questions or concerns. You can contact the company through their website or by contacting Adrian Paulo Roco, the President of Online Loans Pilipinas.
  • Application Process: To apply for a loan, complete the online application form and agree to the terms and conditions of the contract. Wait for approval, and once approved, receive your cash loan through the bank account you have registered in the online application form.
  • Terms and Conditions: The terms and conditions of Online Loans Pilipinas state that borrowers must agree to repay the loan at the website or any other website or mobile application owned by the lender.

Mazilla PH

Fast and safe

  • Amounts: 25.000 PHP
  • Interest: 22% year

Get Money Now!!!

Credify PH

Online loans with beneficial rules

  • Amounts: 25.000 PHP
  • Interest: 22% year

Get Money Now!!! 

What is Online Loan?

Quick online loan is an online loan solution that only requires ID without collateral, register 100% online on smartphones under the P2P Lending model (peer-to-peer lending) supported by lenders. reputable online loans.

New online loan applications support loans with flexible limits from 1,000 – 25,000 PHP with simple procedures, quick appraisal documents only 5-30 minutes and disbursal immediately.

To apply for an online loan, customers only need to download the application, fill in all information and update their ID to be appraised and disbursed.

What’s the Loan App?

Loan apps are applications that support online loans installed on mobile phones (smartphones) by downloading from CHPlay (for phones using Android operating system) and AppStore (for phones using iOS operating system). ).

Online loan applications are often developed by loan support units in parallel with the registered version on the website.

Borrowing money through the app is a form of loan that many customers choose to register for because of its convenience and speed in the approval and disbursement process.

Online Loan Conditions

To be eligible to apply for a low-interest online loan, customers need to meet some of the conditions below.

Advantages Of Online Loan

Although recently appeared, the form of online loans without meeting, transferring money via bank only needs to be signed by many customers and many units participate in the lending market because of its advantages. its.

Trusted Loan Partners

Online loan applications/websites are supported by reputable online lenders that have licenses and are open about interest rates and service fees.

When applying for a quick online loan, customers are advised carefully about loan interest rates, referral fees and other fees. When the customer agrees, the new loan is disbursed to the bank account.

Bad Debt Can Still Get Borrowed

Can bad debt borrow money online? The answer is yes. Online loan applications are supported by lenders, not banks, so they are not affected by the CIC credit history system.

Therefore, customers with bad debt, paying attention can completely apply for a loan online by transfer at online loan applications 24/24.

Simple Procedure

A simple profile is an advantage when applying for a loan online, customers only need to prepare their ID and the owner’s bank account to apply for a loan.

It only takes 5 – 15 minutes to complete the online loan application on the phone, and the customer will be assessed for a loan with a maximum limit of up to 25,000 PHP.

Many Services Support Online Loans With 0% Interest Rate

Online loan with 0% interest rate is a promotion program applied to new customers applying for a loan for the first time or customers with a good repayment history.

Customers only need to pay the principal amount and service fees, if any, when the payment is due.

Disadvantage Of Online Loan

Besides the advantages when borrowing money online, customers should also consider some of the disadvantages below.

Online loan interest rates are higher than unsecured loans because online loans do not require proof of income, collateral and absolutely no home appraisal.

The maximum online loan limit of 25,000 PHP is still low, not enough to meet the needs of customers who need loans for business.

Online loan time ranges from 7 days to 3 months, which can become a financial pressure if customers do not prepare enough money when the payment is due.

Online Loan Limit and Term

Online money lending applications support loans with flexible limits from 1,000 PHP – 15,000,000 PHP for a period of 7 – 90 days.

For new customers, the maximum loan limit is PHP 5,000,000 and the preferential program is 0% interest rate, free of charge.

Online Loan Interest Rate

Online loans are supported by licensed lenders, so the applicable interest rate cannot exceed 20% per year as prescribed by law.

However, besides the loan interest rate, customers may have to pay a number of other fees such as service fees, brokerage fees, etc., so it is necessary to find out the service fees carefully before applying for an online loan.

How to Borrow Money Online Safely

Currently, there are many online loan applications that are providing online financial solutions, so customers should note some solutions to help borrow money safely below.

How To Choose Qualified Online Loan

This is the first important factor you need to keep in mind. Before applying for an online loan, you need to find out how the service that unit supports? Is the loan company reputable? Does it operate in accordance with the regulations of the state bank?

You can find out on the internet or call directly to the call center to ask for necessary information (procedures, conditions, loan interest rates, …) and then decide to apply for a loan.

Check out Customer Review

Borrowing apps always have a section for customers to evaluate service quality on the website or on CHPlay, App Store… You can refer to the reviews of customers who have used the service there to see if there is a possibility. positive or not?

Choosing the Right Lending Unit

There are many online loan applications on the market, so choosing the right lender is also very important.

You should refer to many applications to choose where the loan is with the lowest interest rate and there are many preferential programs such as 0% interest rate for new customers.

Carefully Review Contracts

If your application is approved for a loan, before disbursing, please carefully read the contract to see if the information matches when advising you or not? The most important part is the interest rate, service fee, penalty fee or installment period.

Notes on Timely Payment

Paying off your loan on time is important because late payments can result in hefty penalties and impact on your credit history.

Instructions to Apply for a Loan Online 24/24

The process of applying for a loan online is simple with just the basic steps below.

Step 1. Apply for a loan

Compare and choose the appropriate online loan app, then click the “Register Now” button to select a loan limit and start registering.

Step 2. Complete the profile

Fill out all the information in the loan application including:

Personal information such as full name, cmnd/cccd number, date of birth, gender ..

Job information, company name, income

Temporary residence address

Reference information

Bank account number

Step 3. Limit Approval

After receiving the loan request from the customer, the lender begins to evaluate the online application and approve the loan limit. Results are notified to customers by calling, emailing or sms.

Step 4. Disbursement

After the loan application is approved, the money will be transferred to your bank account/ATM card.

Step 5. Loan Payment

Customers pay the loan according to the provided forms and apply for a loan again if needed.

Online Loan Repayment Instructions

In order to create the most favorable conditions for customers to pay loan contracts, online loan applications deploy many payment methods such as:

  • Bank transfer
  • Payment via e-wallet
  • Payment at collection stores

Bank transfer

This is the most recommended form of payment because of its high security, the lender will immediately receive your payment for the loan agreement. Customers can transfer money via Internet Banking or deposit money directly at a bank branch. Customers can get the lender’s bank account number in two ways below:

Method 1: Log in to your loan account, access the loan contract payment section and select pay by transfer to get your bank account number.

Method 2: Call the switchboard number to get the account number.


Most of today’s online loan applications are linked with e-wallets to provide online loan payments for customers. Some of the most linked e-wallets such as Gcash… To pay for a quick loan online via e-wallet, customers follow these steps:

  • Step 1: Log in to your e-wallet.
  • Step 2: Select the installment loan contract payment item and choose a lender.
  • Step 3: Enter Contract number or ID
  • Step 4: Check contract information, payment amount.
  • Step 5: Pay the contract.

Frequently Asked Question About Online Loan App

What is Filipinance?

Filipinance is a website specializing in providing financial solutions such as loans, opening credit cards, and useful financial knowledge to customers.

Filipinance is not a direct lender, but only recommends the best loans based on customer reviews and offers from loan providers.

Is there a fee when applying for a loan at Filipinance?

Filipinance’s service is completely free. We do not charge any fees from borrowers.

Is Online Loan App Scam?

In fact, online money lenders are licensed to operate and always transparently disclose interest rates and loan service fees before disbursing so customers can be completely assured when registering. Besides, it is also necessary to pay attention to some hot money lenders, scam customers with service fees disguised as online loans.

How To Know Which Is A Reputable Online Money Lending Application?

Before deciding to apply for a loan, you need to determine if the loan app is reputable or not by some of the following criteria:

  • Have a clear company address
  • If you are a reputable financial company, your loan will be approved quickly
  • Product information such as interest rates and fees are public and transparent
  • Contract terms and conditions comply with Philippines law
  • Do not force customers to borrow money, only disburse when the customer’s consent is obtained

CIC Credit History Bad Debt Can I Get an Online Loan?

Bad debt customers can still borrow money online with a limit of PHP 1,000 – 25,000, just need an ID.

Fast Online Loan App What Conditions Need?

Quick online loans apply to customers aged 18-60, living and working in provinces across the country, having full ID and adapt minimum income of lender requirements.

Loan Online App Maximum Limit?

24/7 online loan limit from 1,000 PHP – 25,000 PHP

How Long Does Online Loan Take?

The loan period is from 7 days to 90 days depending on the lender.

How Much Is Online Loan Interest Rate?

Interest rates for online loans depend on the lending company but do not exceed 20%/year and may incur service fees.

Can I Apply For Multiple Loans Online App?

Customers can apply for a loan online via the app on many applications at the same time to increase the loan approval rate.

What’s wrong with Late Payment?

When paying late, customers will be charged a late payment fee, so they should pay before the due date or extend the loan contract.

Is Early Online Loan Payment Possible?

Yes, early online loan settlement helps to increase credit score and apply preferential programs for the next loan.

Can Approved Loan Application Canceled?

Yes, when the application has not been disbursed, the customer can contact the call center to cancel the loan application.

What happens if I don’t pay back my loan on time?

The processing of overdue loans consists of three steps:

1. A manager will call you within the first three days after the due date and remind you to pay. There are currently no penalties or fines and information about your debt is not transferred to the credit bureau.

2. During the first month after the due date the manager will call you once a day to remind you about the amount owed, interest, penalties and interest rates. These will be collected daily.

3. After a month or two the data on the expired loan is sold to a collection company or taken to court.

What is the best online loan?

For new borrowers, most MFIs offer interest-free loans. If you’re borrowing for the first time, choose a lender based on the amount of your credit limit.

If you’ve already taken out a 0% loan and need money again, pay attention to the MFI’s interest rate and especially its loyalty program. You will receive emails with promo codes that will allow you to get discounts of up to 90%.


Borrowing money online is an urgent financial solution in a short time chosen by many customers. However, it is important to choose a reputable online money lender with transparent interest rates to avoid fraud.

The online loan applications introduced in this article are completely trustworthy, so customers can feel secure when applying for a loan.

Read more: Loans Online Philippines | Facebook

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