Pautang Online - App for digital credit to Filipinos Philippines

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Pautang Online

₱1,500 — ₱8,000

from 120 to 210 days

20 — 60 years

Address and contacts

LHL ONLINE LENDING, INC.

NO.CS201916699 CERTIFICATE OF AUTHORITY NO.3119

Website: https://www.pautangonline.com/

Pautang Online is a fintech platform that delivers digital credit to Filipinos – helping them elevate their financial well-being.

Amount from 1,500 to 8,000 PHP
Terms from 120 to 210 days
Interest Rate 0,05% per day

The smart way to borrow in Pautang Online

Seamless online experience. Download App and apply in 5 minutes. End-to-end digital solution means no paperwork or lengthy processes!
Funding in 30 minutes! Proprietary credit-scoring technology gives you an instant loandecision. Cash is disbursed in less than24hrs.
Low interest rates - the most affordable rates (non-bank) in the market.
Safely manage loans. Global industry standard security and encryption is used. Pautang Online never releases user data to third parties.
Transparent. No hidden penalties, no hidden fees, no rollovers. Loan sizes increase with successful repayment.

Loan Requirements to borrowers

Philippine citizenship
Age from 20 to 60 years
Active mobile number
Valid ID proof (SSS, PhilHealth, Passport, etc)
Proof of income

How to borrow

Log in with your mobile number.
Complete your profile.
Application for loan/
Choose your loan amount and payment terms.
Receive your money in 30 minutes!

How to repay

Robinsons Bank or Online Banking
Over-the-counter via Dragon-pay

PautangOnline is an online loan app in the Philippines providing short-term personal loans via mobile, with instant approvals and transfers to GCash, Maya, or banks. It targets employed or self-employed Filipinos aged 21-60, emphasizing no-collateral borrowing up to ₱50,000.

Primarily cash personal loans from ₱5,000 to ₱50,000, with installment terms of 3-24 months depending on amount (e.g., ₱20k over 10 months at ₱2,130/month). Options include quick cashouts for emergencies, no buy-now-pay-later focus.

Must be 21-60 years old, Filipino resident with valid ID, stable income (salaried or freelance), and active e-wallet/bank account. Bad credit often accepted for small first loans; no guarantor needed.

Download the app, register with phone/email, complete profile, select loan amount/term, and submit—approval in minutes without docs for first-timers. Funds disburse same-day to GCash or bank post-verification.

Monthly rates around 1.5-3% add-on (effective APR 20-50%), e.g., ₱20k loan might total ₱21,300 over term with fixed installments. First loans sometimes lower; use app calculator for quotes—no hidden fees.

Valid ID (SSS/UMID/Driver's License) and selfie for verification; proof of income (payslip/COE) for higher amounts only. Fully digital upload, no branch visits.

Approvals within 5-30 minutes via app AI check; money in account in 1-24 hours, often instant for verified users.

Pay via app using GCash, Maya, 7-Eleven, bank transfer, or over-the-counter at partners like Cebuana—monthly auto-debit available. Flexible due dates match payday.

Yes, no prepayment penalties; extra payments reduce principal and interest, boosting future limits.

Late fees (₱200-500) plus daily interest apply; contact support for extensions to avoid CIC reporting or collections.

SEC-registered like similar apps, with positive feedback for speed but high rates—borrow responsibly and check app for license.

In-app chat (24/7), email, or hotline; track loans via dashboard.

Pay on time, reuse app frequently—limits grow from ₱5k to ₱50k after 2-3 cycles.

Processing fee 1-5% deducted from proceeds; no upfront payments required.

Pros

Low interest rates

Cons

Low loan amount

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WEBSITE https://www.pautangonline.com/
email [email protected]

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Example of loan calculating

TERM	10 days	20 days	30 days	60 days	180 days
LOAN AMOUNT	₱8000	₱8000	₱8000	₱8000	₱8000
APR	143%	143%	143%	143%	143%
INTEREST AMOUNT	₱220.53	₱495.99	₱799.7	₱1737.56	₱5498.64
TOTAL REPAYMENT	₱8220.53	₱8495.99	₱8799.7	₱9737.56	₱13498.64