Long-Term Loans Online with Monthly Payments

List of legit online loans with monthly payments - you can easily manage your budget and pay back your loan on time.

Search for loans
MoneyCat - Cash loan online with fast approval in Philippines
APR 145%
₱500 — ₱20,000
22+ years
from 3 to 6 months
Finbro - Online lending platform to get a loan quickly
from 0%
₱1,000 — ₱50,000
20 — 70 years
up to 12 months
Kviku - Online Bank
0.16% per day
₱500 — ₱25,000
20 — 55 years
from 2 to 6 months
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
LoanOnline - Compare loans completely free
APR from 0% to 427%
₱500 — ₱25,000
18+ years
from 3 to 12 months
More info SIA JEFF
Crezu - Get an online loan in just 5 minutes
APR from 0% to 36%
₱1,000 — ₱25,000
18 — 70 years
from 61 to 120 days
More info Fininity Ltd
Digido - Loans online, fast and reliable
APR 59.9%
₱1,000 — ₱25,000
21 — 70 years
from 2 to 6 months
Online Loans Pilipinas - 0% interest, instant approval
APR 143% per year
₱1,000 — ₱20,000
22 — 70 years
from 61 to 183 days
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
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
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
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
Credify - Online loans with beneficial rules
APR 180%
₱1,000 — ₱25,000
20+ years
from 3 to 12 months
More info SCHAEFER LLC
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
WebPeso - Fast Loan Service
from 0%
₱10,000 — ₱30,000
18 — 71 years
from 7 up to 180 days
More info Tinėja UAB
Finmerkado - Best Legit Fast Loans Online in the Philippines
APR from 0% to 427%
₱500 — ₱30,000
21 — 64 years
from 3 to 12 months
More info SIA JEFF
FinaGuru - Credit online to your card
726.35% per annum
₱500 — ₱20,000
18 — 70 years
from 91 to 365 days

Long-Term Loans Online with Monthly Payments in the Philippines

Looking for a financial solution to cover larger expenses or consolidate debt? Long-term online loans in the Philippines, also known as installment loans, could be a suitable option. These loans offer larger loan amounts and flexible repayment terms, allowing you to spread the cost out over a longer period with manageable monthly payments.

What are Installment Loans

Installment loans are a type of credit that provides you with a lump sum of money upfront, which you then repay in fixed monthly installments over a predetermined period, typically ranging from 12 to 36 months. This allows you to manage your finances strategically and avoid the burden of a large one-time payment.

How Do Installment Loans Work

  1. Apply: Choose a reputable and SEC-registered lender and submit an online application form.
  2. Receive Approval: Upon approval, you'll receive the loan amount directly deposited into your bank account or preferred method.
  3. Make Payments: Start making your fixed monthly payments according to the loan agreement, including both interest and principal.
  4. Payoff: Continue making your monthly payments on time until your loan is fully repaid.

Benefits of Long-Term Online Loans:

Important Considerations:

Top 7 Online Loans with Monthly Payments

Money Cat

MoneyCat - Cash loan online with fast approval in Philippines

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

Finbro

Finbro - Online lending platform to get a loan quickly

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

Kviku

Kviku - Online Bank

Up to PHP 25 000 for up to 180 days, disbursed in 5 minutes

Interest Rates0.16% per day
Maximum Loan Amount₱500 — ₱25,000
Borrower Age20 — 55 years
Loan Termsfrom 2 to 6 months

Credy

Credy - Personal loans online 24/7

With Credy 24/7 service get the cash you need, any day of the week!

Interest RatesAPR from 0% to 143%
Maximum Loan Amount₱1,000 — ₱25,000
Borrower Age18+ years
Loan Termsfrom 61 to 120 days

Cash Cat compare everything

CashCat - Fast cash loan in an hour in the Philippines

Choose the best option among dozens of great loans offers.

Interest RatesAPR 547.5%
Maximum Loan Amount₱1,000 — ₱10,000
Borrower Age18+ years
Loan Termsunlimited

Aeon Credit Service

AEON Credit Service - Easy financing and loans Philippines

Get your furniture, appliance, gadget, vehicle, tricycle, corporate, and personal loans with AEON Credit Service. Low-interest rates are available.

Interest RatesAPR 143%
Maximum Loan Amount₱10,000 — ₱50,000
Loan Termsfrom 180 to 720 days

Binixo

Binixo - Free service for loans comparison

Get a loan up to PHP 25,000 at 0.01% in 15 minutes

Interest RatesAPR from 4% to 916%
Maximum Loan Amount₱1,000 — ₱25,000
Borrower Age18+ years
Loan Termsfrom 3 to 12 months

Legit online loans with monthly payments Philippines

Advantages:

Disadvantages:

Tips:

Frequently Asked Questions:

  1. What are the requirements for applying for an online loan in the Philippines?
    Answer: Requirements may vary depending on the lender, but typically include proof of income, identification documents, and a bank account.
  2. How long does it take to get approved for an online loan?
    Answer: Approval times can vary depending on the lender, but many offer fast approval times ranging from a few hours to a few days.
  3. Can I pay off my online loan early?
    Answer: Many online lenders allow early repayment without penalty, but it is important to check with your specific lender.

Long-Term Loans Online with Monthly Payments - Pros and Cons

Positives
  • First loan is for free
  • Simple in use
  • Fast registration - only 5 minutes
  • Fully online process
  • Data is secured
  • Mobile App is available on Google Play
Negatives
  • High interest rate - 11,9%
  • High minimum age - 22 years
Positives
  • Service is free of charge
  • Easy 24/7 registration
  • Amount up to PHP 50,000
  • No payslip document required
Negatives
  • Not a financial company
  • No guaranties of getting a loan

Questions and answers about Online Loans with Monthly Payments

Long-Term Loans Online with Monthly Payments

Interest
Loan amount
Term
Borrower age
SEC registered
APR 145%
₱500 — ₱20,000
from 3 to 6 months
22+ years 
SEC Registration number: CS201953O73., Certificate of Authority №1254
from 0%
₱1,000 — ₱50,000
up to 12 months
20 — 70 years 
SEC Registration No. CS201908275 SEC Certificate of Authority No. 2990
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 0% to 143%
₱1,000 — ₱25,000
from 61 to 120 days
18+ years 
Estonian Commercial Register under no. 11501857
APR from 0% to 427%
₱500 — ₱25,000
from 3 to 12 months
18+ years 
Latvian business number 43603085405
APR from 0% to 36%
₱1,000 — ₱25,000
from 61 to 120 days
18 — 70 years 
registration number: 14523902
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 143% per year
₱1,000 — ₱20,000
from 61 to 183 days
22 — 70 years 
Registration № CS201726430, CA №1181
from 12% up to 36%
₱1,000 — ₱25,000
from 61 to 120 days
20 — 70 years 
APR from 12% to 36%
₱1,000 — ₱25,000
from 61 to 120 days
18+ years 
registration number: 14523902
APR from 30% to 365%
₱500 — ₱25,000
from 91 days to 2 years
18+ years 
APR from 0% to 427%
₱500 — ₱25,000
from 3 to 12 months
18+ years 
43603085405
APR 180%
₱1,000 — ₱25,000
from 3 to 12 months
20+ years 
APR from 11.9% to 365%
₱100 — ₱25,000
from 61 days to 60 months
18+ years 
08217974
from 0%
₱10,000 — ₱30,000
from 7 up to 180 days
18 — 71 years 
Business code: 304875162
APR from 0% to 427%
₱500 — ₱30,000
from 3 to 12 months
21 — 64 years 
43603085405
726.35% per annum
₱500 — ₱20,000
from 91 to 365 days
18 — 70 years 
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
Interest rate 0.2% per day
₱50,000
from 30 to 120 days
21 — 60 years 
SEC Registration Number: CS201603853
APR from 4% to 916%
₱1,000 — ₱25,000
from 3 to 12 months
18+ years 
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 
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 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 
10.5% per annum
36 months
18+ years 
₱2,000 — ₱15,000
up to 3 monthes
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
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