Loan No Requirements in the Philippines

Looking for a loan but worried about strict requirements? Loans in the Philippines offer flexible terms and minimal paperwork. Get the funds you need with fast loans with no requirements!

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5 reviews APPLY NOW
LoanOnline - Compare loans completely free
APR from 0% to 427%
₱500 — ₱25,000
18+ years
from 3 to 12 months
More info SIA JEFF
13 reviews APPLY NOW
Cash express - Online Loans in 15 minutes with No Requirements
from 0% up to 1.99% per day
₱1,000 — ₱20,000
21 — 70 years
7 or 14 days
More info CashXpress South East Asia Lending Inc.
6 reviews APPLY NOW
Get the first loan for free - 0% interest by PesoRedee
APR 143%
₱1,000 — ₱20,000
22 — 70 years
9 reviews APPLY NOW
Finbro оnline loan app - get a loan quickly
from 0%
₱1,000 — ₱50,000
20 — 70 years
up to 12 months
7 reviews APPLY NOW
MoneyCat - Cash loan online with fast approval in Philippines
APR 145%
₱500 — ₱20,000
22+ years
from 3 to 6 months
23 reviews APPLY NOW
Kviku - Cash Loans for any Purpose 100% Online
0.16% per day
₱500 — ₱25,000
20 — 55 years
from 2 to 6 months
3 reviews APPLY NOW
Credit Nice - Money Loans. Approval Regardless of Credit
₱50,000
18+ years
More info TOV INTERNET FINANCE GROUP
12 reviews APPLY NOW
Binixo - Free service for loans comparison
APR from 4% to 916%
₱1,000 — ₱25,000
18+ years
from 3 to 12 months
More info Infinsacom Kft.
15 reviews APPLY NOW
Crezu - Fast Online Loans in Philippines: 1st Credit with 0%
APR from 0% to 36%
₱1,000 — ₱25,000
18 — 70 years
from 61 to 120 days
More info Fininity Ltd
1 reviews APPLY NOW
Cash2Go - Quick loan up to PHP 25,000 in Philippines
APR from 0% to 143%
₱1,000 — ₱25,000
18+ years
from 61 to 120 days
More info Traffic Control Ltd
3 reviews APPLY NOW
FinApps - Fast personal loans
from 12% up to 36%
₱1,000 — ₱25,000
20 — 70 years
from 61 to 120 days
More info IE Anton Olefir
3 reviews APPLY NOW
Credy - Personal loans online 24/7
APR from 0% to 143%
₱1,000 — ₱25,000
18+ years
from 61 to 120 days
More info Traffic Control OÜ
6 reviews APPLY NOW
Finami - Fast and easy online loans 24/7
APR from 4% to 916%
₱1,000 — ₱25,000
18+ years
from 30 days
More info Infinsacom Kft.
1 reviews APPLY NOW
PitaCash - App for getting a loan in 10 minutes
₱1,000 — ₱25,000
21 — 70 years
2 reviews APPLY NOW
Credify - Online loans with beneficial rules
APR 180%
₱1,000 — ₱25,000
20+ years
from 3 to 12 months
More info SCHAEFER LLC
2 reviews APPLY NOW
Creditify - Get a loan today for a better tomorrow
₱200 — ₱25,000
18+ years
More info Finlead Ltd
2 reviews APPLY NOW
Honey Loan - Quick & Easy Online Loans
APR 182%
₱1,000 — ₱30,000
21 — 70 years
from 7 days to 6 months
More info Warm Cash Lending Corp.
5 reviews APPLY NOW
Mazilla - Get money online in Philippines
APR from 30% to 365%
₱500 — ₱25,000
18+ years
from 91 days to 2 years
More info SIA ROKSORE
8 reviews APPLY NOW
Cashspace - Quick online loans in the Philippines
APR from 12% to 36%
₱1,000 — ₱25,000
18+ years
from 61 to 120 days
More info Fininity Ltd
3 reviews APPLY NOW
Pero Loan - Find a loan in 5 minutes
APR from 0% to 427%
₱500 — ₱25,000
18+ years
from 3 to 12 months
More info SIA JEFF
2 reviews APPLY NOW
Zaimoo - Borrow up to 25,000 pesos at 0.01%
APR from 11.9% to 365%
₱100 — ₱25,000
18+ years
from 61 days to 60 months
More info Densure LLC
3 reviews APPLY NOW
Finloo - The Best online loan in 2 minutes
from 0%
₱1,000 — ₱25,000
18+ years
up to 30 days
3 reviews APPLY NOW
Finmerkado - Best Legit Fast Loans Online in the Philippines
APR from 0% to 427%
₱500 — ₱25,000
21 — 64 years
from 3 to 12 months
More info SIA JEFF
APPLY NOW
Finpug Philippines - Online loans with the best conditions
CAT from 0% to 36%
₱1,000 — ₱25,000
18+ years
from 61 to 365 days
More info Livornica AM LLC

The Best Online Loans with No Requirements

finapps

If you are looking for an online loan Philippines no requirements, you can find easy loan options designed to help Filipinos access quick cash without complicated paperwork or strict eligibility criteria. These loans are ideal for those who need fast financial assistance but want to avoid the hassle of submitting extensive documents or meeting high income thresholds.

Minimal Requirements for Borrowers in the Philippines

Most lenders offering personal loans with no requirements still expect some basic qualifications to ensure responsible lending:

The system is also simplified by the fact that such an application can be submitted online. In case the potential borrower meets the requirements, the necessary money will be provided within 24 hours. The borrower will hold a big advantage if he has a good credit history, but a large number of small online loan companies also provide financial support for those who have a negative credit history or none at all.

Loan Terms

Credit organizations offer loans under varying conditions tailored to each borrower’s needs. The loan amount and repayment period are determined individually, with terms typically ranging from a minimum of 10 days to a maximum of 365 days. Loan amounts can start as low as 1,000 Philippine pesos and go up to 50,000 pesos. Each lender sets interest rates based on the relationship between the loan amount and the chosen term.

How to Calculate Your Payments

To help borrowers make informed decisions, many lenders provide online loan calculators. These tools allow you to enter your desired loan amount and repayment period to instantly see the estimated interest and monthly payment. This way, you can understand the total cost of the loan, including all fees and interest over the loan’s duration.

digido

Before taking out a loan, it’s important to carefully evaluate your income relative to the monthly payment amount. Even loans with minimal requirements still require timely payments to avoid complications. Responsible borrowing means planning your repayments to fit comfortably within your budget and preventing any unforeseen financial difficulties.

How to Get a Personal Loan Without Complex Requirements

  1. Apply online: Choose lending companies that offer fully digital application processes, allowing you to apply anytime and anywhere without visiting a branch.
  2. Prepare minimal documents: Since these loans require no extensive paperwork, having a valid ID and proof of income ready can speed up approval.
  3. Fill out the application form: Provide accurate personal and financial information to avoid delays.
  4. Wait for quick approval: Many lenders approve loans within minutes to hours thanks to automated systems.
  5. Receive funds directly: Loan proceeds are usually transferred straight to your bank account or e-wallet.

How to Choose a Lending Company with No Requirements

By choosing a reputable personal loan Philippines no requirements provider, you can access quick and convenient financing without the stress of complex paperwork or strict criteria. This makes it easier for many Filipinos to manage emergencies, pay bills, or cover unexpected expenses with confidence and ease.

How to Repay a No-Requirements Loan

After choosing the most sufficient offer the client should learn about possible ways of paying the loan back that are there. Almost all of microfinancial companies in the Philippines suggest three ways to repay the loan. The first one is to put money on the card on which the loan was issued. Such a transaction can be easily performed online. The second way is to put money at the cash desk of any Philippine bank. The third one is to find any terminal nearby in any public institution.

Top 5 Loan No Requirements

Loan Online

LoanOnline - Compare loans completely free

LoanOnline.ph is a legal and reputable online loan comparison platform in the Philippines that helps users quickly find and apply for personal loans from verified and trusted lending partners. 

Compare loans in just 2 minutes:

Interest RatesAPR from 0% to 427%
Maximum Loan Amount₱500 — ₱25,000
Borrower Age18+ years
Loan Termsfrom 3 to 12 months

Cash-express

Cash express - Online Loans in 15 minutes with No Requirements

Cash-Express Philippines Financing Inc. is a leading fintech company providing fast, easy, and secure online loans to Filipinos through mobile and PC platforms.

Established in 2019 and part of the Aventus Group, Cash-Express offers loan approvals within minutes and quick fund transfers, making borrowing hassle-free and accessible. The company is fully licensed and compliant with Philippine regulations, ensuring a safe lending experience.

Cash-express is FAST, EASY and CONVENIENT:

Interest Ratesfrom 0% up to 1.99% per day
Maximum Loan Amount₱1,000 — ₱20,000
Borrower Age21 — 70 years
Loan Terms7 or 14 days

Pesoredee

Get the first loan for free - 0% interest by PesoRedee

Get the first loan for free! 0% interest if you pay back on the first payment date.

Interest RatesAPR 143%
Maximum Loan Amount₱1,000 — ₱20,000
Borrower Age22 — 70 years

Finbro

Finbro оnline loan app - get a loan quickly

Finbro is a digital lending platform designed to provide quick and accessible personal loans to individuals in the Philippines. Owned and operated by Sofi Lending Inc. SEC Registration No. CS201908275 SEC Certificate of Authority No. 2990.

0% interest for the first loan from PHP 10,000

Interest Ratesfrom 0%
Maximum Loan Amount₱1,000 — ₱50,000
Borrower Age20 — 70 years
Loan Termsup to 12 months

Money Cat

MoneyCat - Cash loan online with fast approval in Philippines

MoneyCat is a multinational fintech company operating in the Philippines, offering fast and convenient online loans with minimal requirements.

The platform enables users to apply in just minutes and receive funds within 24 hours, providing reliable financial support without the need to visit a bank. MoneyCat also offers attentive customer service throughout the loan process to ensure a smooth experience.

Instant cash loans MoneyCat. First loan for FREE!

Interest RatesAPR 145%
Maximum Loan Amount₱500 — ₱20,000
Borrower Age22+ years
Loan Termsfrom 3 to 6 months

Loan No Requirements in the Philippines - Pros and Cons

Positives
  • Service is free of charge
  • 100% online
  • 24 hours
  • Comparison results from reputable financial companies
Negatives
  • This is a credit broker - not a financial company
Positives
  • First online loan for 7 days with 0% interest
  • Loan amount up to 20,000
  • Need only one document
  • Quick approval in 15 minutes
  • Online service works 24/7
Negatives
  • Terms are only 7 or 14 days
  • Short terms
  • High interest rate

Frequently Asked Questions about Loan No Requirements

Compare Loan No Requirements in the Philippines

Interest
Loan amount
Term
Borrower age
SEC registered
APR from 0% to 427%
₱500 — ₱25,000
from 3 to 12 months
18+ years 
Latvian business number 43603085405
Get money
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
Get money
APR from 3.95 to 49.68%
₱1,000 — ₱10,000
from 15 to 45 days
21+ years 
SEC Registration No. CSC201800209
₱1,500 — ₱8,000
from 120 to 210 days
20 — 60 years 
NO.CS201916699 CERTIFICATE OF AUTHORITY NO.3119
₱100 — ₱50,000
from 10 to 120 days
18+ years 
INST CODE 031000417
APR 143%
₱1,000 — ₱20,000
22 — 70 years 
Registration № CS201804564, SEC Certificate of Authority No. 1165
Get money
from 0%
₱1,000 — ₱50,000
up to 12 months
20 — 70 years 
SEC Registration No. CS201908275 SEC Certificate of Authority No. 2990
Get money
APR 145%
₱500 — ₱20,000
from 3 to 6 months
22+ years 
SEC Registration number: CS201953O73., Certificate of Authority №1254
Get money
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
Get money
₱50,000
18+ years 
Get money
APR from 4% to 916%
₱1,000 — ₱25,000
from 3 to 12 months
18+ years 
Get money
APR from 0% to 36%
₱1,000 — ₱25,000
from 61 to 120 days
18 — 70 years 
registration number: 14523902
Get money
APR from 0% to 143%
₱1,000 — ₱25,000
from 61 to 120 days
18+ years 
No. 11501857
Get money
from 12% up to 36%
₱1,000 — ₱25,000
from 61 to 120 days
20 — 70 years 
Get money
APR from 0% to 143%
₱1,000 — ₱25,000
from 61 to 120 days
18+ years 
Estonian Commercial Register under no. 11501857
Get money
APR from 4% to 916%
₱1,000 — ₱25,000
from 30 days
18+ years 
Company No 1092
Get money
₱1,000 — ₱25,000
21 — 70 years 
SEC Registration No.CS201902369
Get money
APR 180%
₱1,000 — ₱25,000
from 3 to 12 months
20+ years 
Get money
₱200 — ₱25,000
18+ years 
registration number: HE 456177
Get money
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. 3472
Get money
APR from 30% to 365%
₱500 — ₱25,000
from 91 days to 2 years
18+ years 
Get money
APR from 12% to 36%
₱1,000 — ₱25,000
from 61 to 120 days
18+ years 
registration number: 14523902
Get money
APR from 0% to 427%
₱500 — ₱25,000
from 3 to 12 months
18+ years 
43603085405
Get money
APR from 11.9% to 365%
₱100 — ₱25,000
from 61 days to 60 months
18+ years 
08217974
Get money
from 0%
₱1,000 — ₱25,000
up to 30 days
18+ years 
Get money
APR from 0% to 427%
₱500 — ₱25,000
from 3 to 12 months
21 — 64 years 
43603085405
Get money
Get money
CAT from 0% to 36%
₱1,000 — ₱25,000
from 61 to 365 days
18+ years 
Get money
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
APR 145%
₱500 — ₱20,000
from 90 to 180 days
22+ years 
CS201953073
from 0% up to 2,1% per day
₱1,000 — ₱25,000
from 7 to 180 days
21 — 70 years 
APR 194%
₱1,000 — ₱50,000
from 2 to 6 months
18+ years 
SEC Registration No. CS202003056
APR from 30% to 360%
from 61 to 365 days
18+ years 
APR 547.5%
₱1,000 — ₱10,000
unlimited
18+ years 
Registry code: 14855426
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 
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
APR up to 180%
₱1,000 — ₱25,000
from 3 to 12 months
20+ years 
from 0%
₱10,000 — ₱30,000
from 7 up to 180 days
18 — 71 years 
Business code: 304875162
10.5% per annum
36 months
18+ years 
₱2,000 — ₱15,000
up to 3 months
20+ years 
Registration No.CS201825672 Certificate of Authority 2844
726.35% per annum
₱500 — ₱20,000
from 91 to 365 days
18 — 70 years 
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
0.06% per day
₱2,000 — ₱20,000
from 60 to 120 days
21+ years 
SEC Registration No. CS202105682
0.8% per day
₱1,000 — ₱30,000
from 61 to 360 days
18 — 75 years 
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

Loan No Requirements in the Philippines - the best conditions

🟢 Interest: from 0% to 100000%
🟢 Term: up to 5 years
🟢 Loan amount: up to 2,000,000 ₱
🟢 Number of offers: 76

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