Honey Loan - Quick & Easy Loans with Fast Approval, 100% Online

Honey Loan is an SEC-registered online lending platform in the Philippines operated by Warm Cash Lending Corp. SEC Registration No. 2021030009095-02 and Certificate of Authority No. 3427. You can apply for a loan using your smartphone or laptop, get approved in minutes, and receive the money through your e-wallet or bank account.

Get fast online loans with HoneyLoan:

• Loan Amount from 1,000 PHP to 30,000 PHP
• Maximum loan amount for new clients 10,000 PHP
• Repayment Terms from 61 to 364 days
• The daily interest rate is 0.4%, equivalent to 144% APR
• Flexible repayment options
• Instant approval and money transfer
• 100% online, no hassle
• Responsible direct lender

Requirements

• Age from 21 to 70 years
• Valid Government ID (accepted ids: UMID, TIN, SSS (Social Security System), PRC, Passport, Driver's License, Postal ID, PhilHealt ID, PhilSys ID (National ID), Voter's ID)
• Active mobile phone number

How to apply and receive cash loan in HoneyLoan

1. Create account or sign in. If you are a new customer create an account. If you are an existing customer, please sign in
2. Fill in application form. Fill in your personal information and submit a valid ID and Selfie.
3. Wait for a loan application decision. You will be notified via SMS about the decision. We will contact you in case of any additional questions.
4. Receive your money! You can claim your loan to an e-wallet or via Bank Account transfer (you must be the Bank Account holder).

Convenient ways to get money:

• GCash
• Maya
• BankTransfer

Repayment Terms and Payment Methods

How to repay a loan

1. Sign in to your account.
2. Confirm your sign in. Upon proceeding you will receive an SMS with a confirmation code that you need to enter in the corresponding field.
3. Select repayment method/ Inside your Honey Loan personal account select either the “Make full repayment” or “Make min payment” option.

Repayment options

• Pay via QR PH
• E-wallets/Online Banking
• Pay Over-The-Counter

Missed payments

In case you cannot pay your full repayment yet, Honey Loan offers an option to make Minimum payment which will prolong your Next Payment date for 7, 14 or 30 days.

If you don't repay the loan on time, you will get additional charges for late payment. This might also negatively impact your credit score, reducing the amount you can borrow from Honeyloan in the future.  If you know you won't be able to make the full payment on time, Honeyloan has available de option to make a minimum payment, which will increase your term for at least 1 week and up to 30 days. 

How to repay HoneyLoan loan via GCash, Maya and 7-Eleven

HoneyLoan sends repayment instructions through a Dragonpay payment flow initiated in the borrower account.

1. Sign in to HoneyLoan, confirm the SMS login code and choose Make full repayment or Make min payment for the active loan.
2. In the Dragonpay window select the offered GCash payment option, accept the gateway terms and provide your email to receive payment instructions.
3. Open the Dragonpay email or payment link and save the payment reference/details provided there.
4. In GCash, open Bills, select Dragonpay from the billers and complete the requested fields, including the reference, amount and mobile number where prompted.
5. Review the details, tap Confirm, and keep the electronic receipt until HoneyLoan records the payment.

Check total due in the HoneyLoan app before payment, and keep the receipt until posted.

HoneyLoan interest rate, fees and late payment

HoneyLoan's current published example uses a 0.4% daily cost rate, equivalent to 12% per 30-day month, and quotes 144% maximum APR in its app listing. HoneyLoan offers ₱1,000–₱30,000 and terms of 61–364 days. Its representative example is a ₱3,000 principal over 180 days, with ₱2,160 in total interest and fees and ₱5,160 in total repayment. When the full amount is unavailable, the borrower can choose Make min payment; the stated extension periods are 7, 14 or 30 days.

HoneyLoan customer service — hotline, email and support hours

HoneyLoan is operated by Warm Cash Lending Corp. Its official Google Play listing identifies (02) 8876 1972 as the customer-support landline and [email protected] as the support email; telephone contact hours are 9:00 a.m.–6:00 p.m. Neither a dedicated SMART nor a dedicated GLOBE hotline is disclosed in those materials. Customers can enter their account with an SMS verification code to review pending payments and choose between full and minimum repayment. The company uses SEC Registration No. 2021030009095-02.

Representative Example: Loan Principal: ₱3,000. Term: 180 days (6 months). Monthly Effective Interest Rate: 12%. Daily Cost Rate: 0.4%. Total Interest + Fees: ₱2,160.00. Total Repayment Amount: ₱5,160.00. Monthly Installment: ₱860.00. Maximum APR: 144%