20 Bad Credit Loans in the Philippines with Guaranteed Approval


When searching for loans for bad credit in the Philippines, it’s crucial to choose a provider carefully. Not all lenders offer the same terms, so here’s a detailed overview of some of the top options available:

πŸ“Œ RFC Cash/Financing Loan

  • Loan Amount: β‚±10,000 to β‚±5 million
  • Interest Rate: Variable based on loan type, amount, and repayment period
  • Payment Terms: 3 to 36 months

RFC offers quick and convenient loans for various financial needs, including urgent business requirements. With collateral such as your OR/CR or Transfer Certificate of Title, you can access substantial funding. Use their website to estimate monthly payments and apply online by completing a simple form with your personal and financial information.

πŸ“Œ Tala Loan

  • Loan Amount: Up to β‚±25,000
  • Interest Rate: Flat daily fee of 0.43% to 0.5%
  • Approval Time: Within 24 hours
  • Payment Terms: 1 to 61 days

For fast and accessible loans, Tala is highly convenient. Apply via your Android phone by downloading the app, filling out the form, and receiving an instant decision. With no need for a guarantor or collateral, it’s ideal for minor financial issues.

πŸ“Œ Tonik Credit Builder

  • Loan Amount: Up to β‚±20,000
  • Interest Rate: Starting at 4.84%
  • Approval Time: Within 2 days
  • Payment Terms: 6, 9, or 12 months

Tonik’s Credit Builder is perfect for those with low or no credit history. Apply via the Tonik app, get approved within two days, and receive your funds after completing post-approval questions and signing documents.

πŸ“Œ Security Bank Home Equity Loan

  • Loan Amount: β‚±500,000 to β‚±10 million
  • Interest Rates:
    • 1 year: 8%
    • 3 years: 8.25%
    • 5 years: 6.80%
  • Approval Time: Within 5 banking days
  • Payment Terms: Up to 15 years

Security Bank offers significant loans using up to 80% of your property’s value as collateral. Suitable for medical emergencies, large purchases, or tuition fees, you can apply online, through accredited developers, or at any Security Bank branch.


  • Loan Amount: β‚±5,000 to β‚±500,000
  • Interest Rate: 4.988%
  • Approval Time: 3 to 5 days
  • Payment Terms: Typically 6 to 10 months

ACOM’s Revomax Loan provides flexibility, allowing you to borrow based on your approved credit limit. Good repayment history can increase your limit without additional documentation. Apply online or visit any ACOM branch, and receive funds in your bank account, e-wallet, or at an LBC branch.

πŸ“Œ AEON Personal Loan

  • Loan Amount: Depends on credit evaluation
  • Interest Rate: 2.50% for existing customers, 4% to 6% for new customers
  • Processing Fees: β‚±400 or 3% (whichever is higher)
  • Payment Terms: 6 and 12 months

AEON Credit Service offers personal loans with low interest rates and exclusive deals for repeat customers. Apply using the AEON app, submit necessary IDs and proofs, and await approval.

πŸ“Œ Asialink Collateral Loan

  • Loan Amount: Based on collateral valuation
  • Interest Rate: Starting at 1.5%
  • Approval Time: As fast as one day
  • Payment Terms: Up to 48 months

Asialink offers loans using your vehicle or property as collateral, allowing you to borrow substantial amounts without surrendering your vehicle. Apply online or visit any Asialink branch for quick approval.

πŸ“Œ Blend PH Auto Sangla

  • Loan Amount: β‚±10,000 to β‚±3 million
  • Interest Rate: 1.5%
  • Approval Time: 24 to 48 hours
  • Payment Terms: 6 to 24 months

Blend PH provides high approval rates and flexible terms for car owners. Use your vehicle as collateral while continuing to use it. Apply online and get quick approval.

πŸ“Œ Cashalo Cash Loan

  • Loan Amount: β‚±1,000 to β‚±7,000
  • Interest Rate: 3.95%
  • Approval Time: Within one day
  • Payment Terms: Up to 90 days

Cashalo offers fast loans without credit checks. Install the app, fill out the form, and receive your funds within one to three days.

πŸ“Œ Cash Mart Loan

  • Loan Amount: β‚±3,000 to β‚±150,000
  • Interest Rate: 0.06% to 1% per day
  • Approval Time: Within one day
  • Payment Terms: Weekly, bi-weekly, or monthly

Cash Mart provides loans to Filipinos aged 21 to 50. Download the app, complete the application, and receive your funds on the same day.

πŸ“Œ Cebuana Lhuillier Pawning

  • Loan Amount: Based on collateral appraisal
  • Interest Rate: β‚±4 advance interest per β‚±100 loan amount + 1% service fee
  • Approval Time: Same day
  • Payment Terms: 90 days to 4 months

Pawn your valuables at any Cebuana Lhuillier branch or use their online services for quick cash. They accept various items as collateral, including jewelry, watches, and electronics.

πŸ“Œ Digido

  • Loan Amount: Up to β‚±25,000
  • Interest Rate:
    • New borrowers: 0%
    • Regular customers: Varies, up to 1.5% per day
  • Approval Time: As fast as one day
  • Payment Terms: 7 to 180 days

Digido offers short-term loans with no credit checks and minimal formalities. Apply online or through their app and receive funds quickly.

πŸ“Œ Finbro Loan

  • Loan Amount: β‚±1,000 to β‚±50,000
  • Interest Rate: Confirmed during application
  • Approval Time: 10 minutes to one working day
  • Payment Terms: 12 months

Finbro offers no-collateral loans with a quick and easy online application process. Extend your payment date if needed, and receive your funds on the same day of approval.

πŸ“Œ GDFI OR/CR Sangla

  • Loan Amount: Starting at β‚±10,000
  • Interest Rate: Starting at 1.38%
  • Approval Time: 24 to 72 hours
  • Payment Terms: Up to 60 months

Global Dominion Financing, Inc. offers substantial loans secured by your vehicle’s OR/CR without needing to surrender the car. Apply online and receive assistance from a loan specialist.

πŸ“Œ JuanHand Loan

  • Loan Amount: Up to β‚±25,000
  • Interest Rate: As low as 0.2% daily
  • Approval Time: As fast as 5 minutes
  • Payment Terms: Up to 3 months

JuanHand offers quick loans through its app, allowing first-time borrowers up to β‚±2,000 and up to β‚±25,000 for repeat borrowers. Apply via the app and receive funds swiftly.

πŸ“Œ ML Quick Car Loan

  • Loan Amount: Up to 70% of your vehicle’s appraised value
  • Interest Rate: Based on vehicle condition
  • Payment Terms: Up to 36 months

M Lhuillier provides loans using your car as collateral without needing to surrender it. Acceptable vehicles are 2012 models and newer. Bring your car for appraisal and apply at any branch.

πŸ“Œ Moneycat Loan

  • Loan Amount: β‚±500 to β‚±20,000
  • Interest Rate: 11.9% per month
  • Approval Time: Within a day
  • Payment Terms: 3 to 6 months

Moneycat offers fast and hassle-free loans. Apply online, receive approval and funds within 24 hours, and repay in short terms.

πŸ“Œ Online Loans Pilipinas

  • Loan Amount: Up to β‚±7,000 for new borrowers, β‚±20,000 for repeat borrowers
  • Interest Rate: 0% for first loan
  • Approval Time: Within 5 minutes
  • Payment Terms: 61 to 183 days

Online Loans Pilipinas specializes in micro and consumer financing. Apply online and receive instant approval and funds via Instapay.

πŸ“Œ PawnHero

  • Loan Amount: Based on item valuation
  • Interest Rate:
    • 3.5% for gold and jewelry
    • 4.99% for gadgets, luxury watches, and designer bags
    • 6% for Apple products
  • Approval Time: Within one day
  • Payment Terms: Up to 3 months

PawnHero offers online pawning for various valuables. Submit your item, receive appraisal and loan offer, and cash out via Instapay or bank transfer.

πŸ“Œ SB Finance Car4Cash

  • Loan Amount: β‚±100,000 to β‚±2 million
  • Interest Rate: 1.25% to 2% per month
  • Approval Time: 5 to 7 banking days
  • Payment Terms: 12 to 48 months

SB Finance offers high-value loans secured by your car’s OR/CR without surrendering the vehicle. Apply online or at any Security Bank branch and receive funds after car appraisal and verification.

When choosing a bad credit loan in the Philippines, consider these options based on your specific needs and circumstances. Always read the fine print and ensure you understand the terms before committing.

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CashLoanPH Changed status to publish 03/06/2024