Tala is a loan app that allows you to get a quick online loan in just five minutes. You can borrow funds for 21 or 30 days without worrying about collateral or surety. The application process is simple, and you only need one document to confirm your identity. You can repay your loan in full or in part at any time within the specified term, and you can use 7-Eleven, Cebuana Lhuillier, M Lhuillier, or Coins.ph to pay off your debt.
Address of the Financing company: 5th Floor TIM Building 5600 Osmena Hwy. cor. Arellano St. Palanan Makati, Metrol Manila
Tala Financing Philippines Inc.
The company is a legit Financing company, SEC Registration No. : CS201710582
Certificate of Authority №1132
CashExpress is a popular online lending platform in the Philippines offering fast and convenient loans ranging from ₱1,000 to ₱20,000 with repayment terms of 7 or 14 days. New borrowers can enjoy a 0% interest rate for the first 7 days, while repeat clients typically pay interest rates from 1% to 1.99% per day depending on the loan period chosen. The loan approval process is quick, usually taking about 5 to 15 minutes, with funds disbursed directly to a borrower's bank account or e-wallet after approval.
CashExpress uses advanced digital security tools to protect customer data, ensuring a safe and secure borrowing experience. Late payments incur penalties starting from 1% per day, with additional charges on specific days to encourage timely repayment. The company, CashXpress South East Asia Lending Inc., is fully licensed and registered with the Philippine Securities and Exchange Commission, guaranteeing its legitimacy. Overall, CashExpress is designed to provide a simple, fast, and user-friendly cash loan service for Filipino borrowers needing immediate funds.
Address of the Financing company: Level 10-1 One Global Place 25th Street Cor. 5th Avenue, Fort Bonifacio, Taguig City
CashXpress South East Asia Lending Inc.
The company is a legit Financing company, SEC Registration No. : CS201951088
Certificate of Authority №2918
If you're looking for a loan app with low interest rates in the Philippines, here are five options to consider.
OLP - Fast Approval Loan App offers a special offer for new clients, with a minimum interest rate of 0% and a maximum APR of 180%. The loan amount ranges from ₱1,000 to ₱30,000, with a credit term of 90 to 720 days. Plus, there are no other fees for first-time borrowers.
Applying for a loan is easy and fast. Simply download the app on your smartphone or laptop, select your loan amount, fill out the forms in five minutes, and wait for approval. Once approved, you can get the money deposited to your bank account or e-wallet (GCash and others) in just five minutes.
With OLP - Fast Approval Loan App, you can enjoy the following benefits:
To qualify for a loan, you must be a Filipino citizen who is at least 18 years old, has at least one valid ID and a mobile number, and has a job or is self-employed.
You can use the loan for various purposes such as paying bills, buying medicine, repairing your bike, buying gifts, dealing with calamities, or for leisure. Repayment is easy and convenient, with options such as paying via e-wallets (GCash / PayMaya / Coins.ph) or online banking using Dragonpay, going to any 7 Eleven and using the Cliqq machine via DRAGON LOANS, or visiting any Bayad Center, LBC, Cebuana, SM or Robinsons Payment center, RD Pawnshop and Palawan Express using DRAGONPAY.
Address of the Financing company: Unit 1402-06 14th Flr Tycoon Center, Pearl Drive, San Antonio, Pasig City
Online Loans Pilipinas Financing Inc. (formerly Magic World Technologies Inc.)
The company is a legit Financing company, SEC Registration No. : CS201726430
Certificate of Authority #1181
MoneyCat is a loaning app designed specifically for Filipinos, providing financial mobility and instant borrowing options at any time of the day. With this loan app, you can receive credit for 90 to 180 days at an annual rate of 16.6% per month. The application is based on mobile Internet security technology and Big Data analysis, ensuring high security for transactions and user information.
Address of the Financing company: Unit 1701 Tycoon bldg Pearl Drive st. Brgy San Antonio Ortigas Center Pasig City, ph 1800
MoneyCat Financing Inc.
The company is a legit Financing company, SEC Registration No. : CS201953O73
Certificate of Authority №1254
The GCash app turns your mobile phone into a virtual wallet, allowing you to pay for purchases and transfer money quickly and easily. With this loan app, you can make online purchases without using a physical card, thanks to the American Express Virtual Pay card linked to your mobile wallet. You can also withdraw funds from PayPal for free, transfer cash from bank accounts at Bank of the Philippine Islands and Rizal Commercial Banking Corporation, and receive money transfers from Western Union and MoneyGram. Plus, regular use of GCash earns you bonus points that can be used to access credit funds through the GCredit service.
Globe Fintech Innovations Inc.
If you're trying to decide between GCash, Tala, and MoneyCat, here's a quick comparison of their key features and benefits:
List of all legit loan providers in the Philippines
Legit online loan apps in the Philippines are mobile applications or platforms operated by SEC-registered financing or lending companies that provide quick cash loans with full transparency on terms, fees, and repayment.
These apps require minimal documents like one valid ID, offer instant approvals via InstaPay or e-wallets, and list exact APRs (often 0% for first loans up to 143-194%), loan amounts (₱500-₱50,000), and terms (7 days to 12 months).
Examples like Tala, CashExpress, OLP, and MoneyCat on this page meet these standards, serving over 1.5 million Filipinos safely.
The Securities and Exchange Commission (SEC) regulates all lending in the Philippines, issuing Registration Numbers (e.g., CS201726430) and Certificates of Authority (e.g., №1181) to legit operators like Online Loans Pilipinas Financing Inc.
Only SEC-approved companies can offer online loans legally; unregistered apps risk scams with hidden fees or data theft—check the table here for verified ones with addresses and CA numbers.
All apps listed follow Republic Act No. 3765 (Truth in Lending Act) and disclose maximal APRs upfront, ensuring borrowers know total costs before agreeing.
Verify safety by searching the company name and SEC Registration/CA on the official SEC website (sec.gov.ph) under "Lending Companies"—legit apps like those here match exactly.
Download only from Google Play or App Store (avoid APK files), ensure the app shows full loan disclosures, and confirm repayment via trusted partners like 7-Eleven, GCash, or Dragonpay—not personal bank transfers.
Read recent reviews for red flags like harassment; safe apps use encryption, comply with Data Privacy Act, and never ask for upfront fees.
Applying for an online loan in the Philippines is a straightforward process. Follow these steps to secure your loan quickly and safely:
Always read the terms and conditions carefully and borrow responsibly to maintain your financial wellbeing.
Interest |
Loan amount |
Term |
Borrower age |
SEC registered |
||
|---|---|---|---|---|---|---|
|
|
from 0%
|
₱1,000 — ₱50,000
|
up to 12 months
|
20 — 70 years
|
SEC Registration No. CS201908275 SEC Certificate of Authority No. 2990
|
|
|
|
APR 182%
|
₱1,000 — ₱30,000
|
from 7 days to 6 months
|
21 — 70 years
|
SEC Registration No. 2021030009095-02 Certificate of Authority N o. 3427
|
|
|
|
APR 145%
|
₱500 — ₱20,000
|
from 3 to 6 months
|
22+ years
|
SEC Registration number: CS201953O73., Certificate of Authority №1254
|
|
|
|
from 0% up to 1.99% per day
|
₱1,000 — ₱20,000
|
7 or 14 days
|
21 — 70 years
|
Company Registration No. CS201951088 and Certificate of Authority No. 2918
|
|
|
|
0.16% per day
|
₱500 — ₱25,000
|
from 2 to 6 months
|
20 — 55 years
|
SEC Registration No. CS201918702. Certificate of Authority No. 3169, NPC Registration No. PIC-001-791-2021
|
|
|
|
APR from 3.95 to 49.68%
|
₱1,000 — ₱10,000
|
from 15 to 45 days
|
21+ years
|
SEC Registration No. CS201800209 Certificate of Authority No. 1162
|
|
|
APR 143%
|
₱1,000 — ₱20,000
|
|
22 — 70 years
|
Registration № CS201804564, SEC Certificate of Authority No. 1165
|
|
|
2% per day
|
₱1,000 — ₱30,000
|
from 30 days
|
20 — 65 years
|
CS20200000915
|
|
|
APR 143% per year
|
₱1,000 — ₱20,000
|
from 61 to 183 days
|
22 — 70 years
|
Registration № CS201726430, CA №1181
|
|
|
APR 59.9%
|
₱1,000 — ₱25,000
|
from 2 to 6 months
|
21 — 70 years
|
SEC Registration No. 202003056. Certificate of Authority No. 1272
|
|
|
APR 84%
|
₱5,000 — ₱50,000
|
from 6 to 24 months
|
18+ years
|
|
|
|
|
₱5,000 — ₱25,000
|
from 6 to 12 months
|
18 — 68 years
|
Reg No. CS201602333
|
|
|
|
₱1,000 — ₱25,000
|
|
21 — 70 years
|
SEC Registration No.CS201902369
|
|
|
APR 145%
|
₱500 — ₱20,000
|
from 90 to 180 days
|
22+ years
|
CS201953073
|
|
|
APR 194%
|
₱1,000 — ₱50,000
|
from 1 to 6 months
|
18+ years
|
Registration No. CS202003056 and Certificate of Authority No. 1272.
|
|
|
APR from 30% to 360%
|
₱1,000 — ₱100,000
|
from 61 to 365 days
|
18+ years
|
|
|
|
Interest rate 0.2% per day
|
₱2,000 — ₱20,000
|
from 30 to 120 days
|
21 — 60 years
|
SEC Registration Number: CS201603853
|
|
|
0,5% per day
|
₱1,000 — ₱25,000
|
from 1 to 61 days
|
18+ years
|
SEC Registration No. CS201710582, Certificate of Authority No. 1132
|
|
|
APR: 20.8415%
|
₱5,000 — ₱50,000
|
|
21 — 50 years
|
SEC Registration No. CS201610084
|
|
|
APR 39.78% – 54.756%
|
₱3,500 — ₱500,000
|
from 6 to 10 months
|
18+ years
|
|
|
|
|
₱100,000
|
from 2 to 12 months
|
18+ years
|
SECNo. CS200813771, Certificate of Authority No. 279
|
|
|
from 12.98% to 40.50%
|
₱1,000 — ₱100,000
|
from 180 to 365 days
|
18+ years
|
CS201628816
|
|
|
|
₱20,000 — ₱180,000
|
from 365 to 1460 days
|
|
CS200917691
|
|
|
APR 143%
|
₱10,000 — ₱50,000
|
from 180 to 720 days
|
|
CS201300789
|
|
|
3.49% monthly
|
₱2,000 — ₱40,000
|
from 1 to 12 months
|
|
CS201516347
|
|
|
|
₱2,000 — ₱15,000
|
up to 3 months
|
20+ years
|
Registration No.CS201825672 Certificate of Authority 2844
|
|
|
|
₱1,500 — ₱8,000
|
from 120 to 210 days
|
20 — 60 years
|
NO.CS201916699 CERTIFICATE OF AUTHORITY NO.3119
|
|
|
0,03% per day
|
₱2,000 — ₱20,000
|
from 180 to 360 days
|
21+ years
|
SEC registration number at 2021050012959-04
|
|
|
20% per day
|
₱8,000 — ₱100,000
|
from 91 to 120 days
|
18+ years
|
SEC Registration No. CS201824008
|
|
|
3.5% per day
|
₱300 — ₱30,000
|
6 months
|
21 — 65 years
|
Registration No.CS201617622
|
|
|
0,05% per day
|
₱2,000 — ₱12,000
|
from 91 to 120 days
|
18+ years
|
SEC company registration NO.CS201803813
|
|
|
APR from 14% to 35%
|
₱2,000 — ₱20,000
|
from 91 to 120 days
|
18+ years
|
Registration No.CS201826247
|
|
|
|
|
|
18+ years
|
|
|
|
0.3% per day
|
₱1,000 — ₱50,000
|
from 61 to 180 days
|
20 — 60 years
|
CS202003056
|
|
|
|
₱100 — ₱50,000
|
from 10 to 120 days
|
18+ years
|
INST CODE 031000417
|
|
|
0.06% per day
|
₱2,000 — ₱20,000
|
from 60 to 120 days
|
21+ years
|
SEC Registration No. CS202105682
|
|
|
0.3% per day
|
₱3,000 — ₱50,000
|
from 60 to 120 days
|
18+ years
|
SEC Company Reg. No. CS201906864
|
|
|
0,16% per day (60% per year)
|
₱2,000 — ₱10,000
|
from 61 to 90 days
|
21+ years
|
SEC registration number at CS201911369
|
|
|
0,13% per day (48% per year)
|
₱2,000 — ₱30,000
|
from 15 to 90 days
|
18+ years
|
SEC registration number at CS201820732
|
|
|
0,03% per day (10,05% per year)
|
₱3,000 — ₱150,000
|
from 91 to 360 days
|
18+ years
|
SEC registration number at CS201916150
|
|
|
0,05% per day (24% per year)
|
₱2,000 — ₱50,000
|
from 91 to 365 days
|
18+ years
|
Registration No. 2021110033908-30
|
|
|
annual rate of 24%
|
₱5,000 — ₱15,000
|
from 7 to 60 days
|
18+ years
|
SEC No. :CS202104554 Certificate of Authority NO.3442
|
|
|
0.08% per day
|
₱3,000 — ₱20,000
|
from 91 to 180 days
|
18+ years
|
SEC Registration No:CS202000000916 Certificate of Authority: 1274
|
|
|
0,11% per day
|
₱2,000 — ₱20,000
|
from 91 to 210 days
|
20+ years
|
|
|
|
0.26% per day
|
₱50,000 — ₱2,000,000
|
from 12 to 36 months
|
|
SEC Registration No. CS 201908028
|
|
|
up to 2% per day
|
₱1,000 — ₱20,000
|
from 1 to 35 days
|
18+ years
|
|
|
|
0.06% per day
|
₱5,000 — ₱20,000
|
from 91 to 365 days
|
18+ years
|
Company registration no.cs201816691, Sertificate of authority no.2739
|
|
|
Monthly EIR 1.40%
|
₱15,000 — ₱250,000
|
from 6 up to 24 months
|
21 — 65 years
|
|
|
|
Monthly interest rate from 2.32%
|
₱3,000 — ₱150,000
|
from 6 up to 60 months
|
18 — 68 years
|
SEC Reg. Number: CS201301354 Certificate of Authority Number 1071
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
₱1,000 — ₱20,000
|
up to 150 days
|
20 — 65 years
|
SEC Registration No. CS202102336 and Certificate of Authority No. 3413
|
|
|
ACR of 26.9%
|
₱10,000 — ₱2,000,000
|
from 1 to 5 years
|
21 — 65 years
|
|
|
|
|
₱80,000
|
|
18+ years
|
SEC Registration No.CS201513735 Certificate of Authority No. 1734
|
|
|
APR from 15% to 20%
|
₱2,000 — ₱30,000
|
from 90 to 120 days
|
|
SEC Registration No. CS201912321 Certificate of Authority No. 3041
|
|
|
APR up to 30%
|
₱2,000 — ₱60,000
|
from 91 to 180 days
|
18+ years
|
SEC Registration No. CS201907662 and Certificate of Authority No. 2968
|
|
|
10%-20% APR annually
|
₱2,000 — ₱50,000
|
from 91 to 180 days
|
18+ years
|
SEC Registration No. 2021050012959-04, CERTIFICATE OF AUTHORITY NO.3454
|
|
|
APR up to 30%
|
₱1,000 — ₱50,000
|
from 91 to 180 days
|
21+ years
|
SEC Reg. Number: CS201910407. Certificate of Authority Number 3015
|
|
| 🟢 Interest: | from 0% to 7200% |
| 🟢 Term: | up to 5 years |
| 🟢 Loan amount: | up to 2,000,000 ₱ |
| 🟢 Number of offers: | 58 |
