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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.
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.
Benefits of Long-Term Online Loans:
Important Considerations:
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.
MoneyCat is a legit online loan app registered with the SEC, offering fast small loans from ₱500 to ₱20,000. New users can get 0% interest on their first loan, but regular loans have high APR (up to 145%) and a processing fee. The process is fully online, approval is quick, and early repayment is allowed.
MoneyCat is operated by MoneyCat Financing Inc., a company registered with the Philippine Securities and Exchange Commission. Its SEC Registration Number is CS201953073, and it holds Certificate of Authority to Operate Number 1254, granted by the SEC. The company is headquartered in Pasig City, Philippines, and states that it operates legally in the Philippines in compliance with local laws.
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.
| Interest Rates | APR 145% |
| Maximum Loan Amount | ₱500 — ₱20,000 |
| Borrower Age | 22+ years |
| Loan Terms | from 3 to 6 months |
Honey Loan - Quick & Easy Loans with Fast Approval, 100% Online
Honey Loan is a SEC-registered online lending platform in the Philippines operated by Warm Cash Lending Corp. According to their official app information, they hold SEC Registration No. 2021030009095-02 and Certificate of Authority No. 3427, making them a registered entity with the Securities and Exchange Commission. 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:
| Interest Rates | APR 182% |
| Maximum Loan Amount | ₱1,000 — ₱30,000 |
| Borrower Age | 21 — 70 years |
| Loan Terms | from 61 days to 364 months |
LoanOnline - Compare loans completely free. High Acceptance!
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.
LoanOnline.ph is not a direct lender; it is a legal online loan comparison platform in the Philippines that helps users quickly find and apply for personal loans from verified lending partners. The platform operates 24/7 and allows borrowers to compare multiple loan offers based on their needs, such as loan amount and repayment period, through a simple online process.
LoanOnline.ph connects borrowers with financial institutions offering loans ranging from ₱500 to ₱25,000 (some sources mention up to ₱30,000), with flexible repayment terms from 30 to 366 days (most commonly 91–180 days or 3–12 months). Interest rates range from 0% to 427% APR (with some sources mentioning up to 210.85% APR).
| Interest Rates | APR from 0% to 427% |
| Maximum Loan Amount | ₱500 — ₱25,000 |
| Borrower Age | 18+ years |
| Loan Terms | from 3 to 12 months |
Crezu - Fast Online Loans in Philippines: 1st Credit with 0%
Crezu.ph is an online personal loan search and comparison platform specifically serving borrowers in the Philippines.
Crezu does not charge any service fees. It’s absolutely FREE! The loans offered have minimum repayment terms of 91 days (3 months) and maximum repayment terms of 120 days (4 months). Lending rates vary from lender to lender in the range from 12% to a maximum APR of 36%.
| Interest Rates | APR from 0% to 36% |
| Maximum Loan Amount | ₱1,000 — ₱25,000 |
| Borrower Age | 18 — 70 years |
| Loan Terms | from 61 to 120 days |
Mocasa - Virtual Credit Wallet
Mocasa (operated by Philippine Cashtrout Lending Corporation) is a Philippine fintech app offering "Pay Later" credit services and quick cash loans via a virtual Mastercard for online/in-store purchases, bill payments, and loads. It provides interest-free credit options for timely repayments and quick loans with defined terms.
| Interest Rates | APR up to 30% |
| Maximum Loan Amount | ₱1,000 — ₱50,000 |
| Borrower Age | 21+ years |
| Loan Terms | from 91 to 180 days |
Pautang Online - App for digital credit to Filipinos
Pautang Online is a fintech platform that delivers digital credit to Filipinos – helping them elevate their financial well-being.
| Maximum Loan Amount | ₱1,500 — ₱8,000 |
| Borrower Age | 20 — 60 years |
| Loan Terms | from 120 to 210 days |
Union Bank Personal Loan - Loan of up to P2 million
A UnionBank Personal Loan is an unsecured loan product that helps borrowers fund major life goals without pledging any collateral. It can be used for home renovation, education, debt payment, emergency expenses, and more.
| Interest Rates | ACR of 26.9% |
| Maximum Loan Amount | ₱10,000 — ₱2,000,000 |
| Borrower Age | 21 — 65 years |
| Loan Terms | from 1 to 5 years |
While loans can be helpful, borrowing always carries risks. Missing payments can result in late fees, increased debt, and potential legal action. Some unlicensed lenders may charge exorbitant interest rates or use aggressive collection tactics. Always be cautious, avoid borrowing from unknown or suspicious sources, and seek help if you face repayment difficulties. Responsible borrowing protects your financial health and peace of mind.
Long-term loans with monthly payments can be a useful financial tool when you need to manage larger expenses or spread out repayments over time. To make sure you borrow wisely and protect yourself, keep these important tips in mind:
Check SEC Registration: Borrow Only from Licensed Lenders
Before applying for any loan, ensure that the lender is properly registered with the Securities and Exchange Commission (SEC) or the relevant government regulatory body. Licensed lenders are legally authorized, follow strict guidelines, and offer more secure and transparent loan products. Avoid unlicensed lenders to reduce the risk of scams and unfair lending terms.
Read the Fine Print: Understand Fees and Total Repayment Cost
Make sure to carefully read all the terms and conditions of the loan before agreeing. Pay close attention to the interest rates, processing fees, monthly payment amounts, and the total cost you will repay over the life of the loan. Knowing the full repayment obligation helps you budget effectively and avoid unpleasant surprises.
Borrow Only What You Need: Best for Large but Manageable Expenses
Long-term loans are ideal for financing bigger expenses like home renovations, education, or medical bills, where monthly payments spread over several years are manageable. Avoid borrowing more than necessary, as longer repayment periods mean you will pay more interest over time.
Repay On Time: Avoid High Penalties and Protect Your Credit
Making your monthly payments on schedule is key to maintaining a positive credit history and avoiding costly penalties or legal actions. Late payments can severely impact your credit score and limit your financial options in the future. Set up payment reminders or automatic payments to stay on track.
| Amount you borrow | APR | Borrowing period (in years) | Monthly repayments | Total you’ll pay back | Total interest paid |
|---|---|---|---|---|---|
| ₱20,000 | 50% | 2 | ₱1,334.22 | ₱32,021.17 | ₱12,021.17 |
| ₱20,000 | 50% | 4 | ₱970.05 | ₱46,562.26 | ₱26,562.26 (an extra ₱-130.24) |
Interest |
Loan amount |
Term |
Borrower age |
SEC registered |
||
|---|---|---|---|---|---|---|
|
|
APR 145%
|
₱500 — ₱20,000
|
from 3 to 6 months
|
22+ years
|
SEC Registration number: CS201953073., Certificate of Authority №1254
|
|
|
|
APR 182%
|
₱1,000 — ₱30,000
|
from 61 days to 364 months
|
21 — 70 years
|
SEC Registration No. 2021030009095-02 Certificate of Authority No. 3427
|
|
|
|
APR from 0% to 427%
|
₱500 — ₱25,000
|
from 3 to 12 months
|
18+ years
|
Loan broker Loan Online
|
|
|
|
APR from 0% to 36%
|
₱1,000 — ₱25,000
|
from 61 to 120 days
|
18 — 70 years
|
Loan broker Crezu
|
|
|
|
APR from 0% to 427%
|
₱500 — ₱25,000
|
from 3 to 12 months
|
18+ years
|
Loan broker Pero Loan
|
|
|
|
APR from 0% to 143%
|
₱1,000 — ₱25,000
|
from 61 to 120 days
|
18+ years
|
Loan broker Cash2Go
|
|
|
|
Interest rate 24% to 143%
|
₱2,500 — ₱30,000
|
from 3 to 12 months
|
21 — 70 years
|
Loan broker Finance Solution
|
|
|
|
from 12% up to 36%
|
₱1,000 — ₱25,000
|
from 61 to 120 days
|
20 — 70 years
|
Loan broker FinApps
|
|
|
|
APR from 0% to 143%
|
₱1,000 — ₱25,000
|
from 61 to 120 days
|
18+ years
|
Loan broker Credy
|
|
|
|
APR from 4% to 916%
|
₱1,000 — ₱25,000
|
from 3 to 12 months
|
18+ years
|
Loan broker Binixo
|
|
|
|
APR 180%
|
₱1,000 — ₱25,000
|
from 3 to 12 months
|
20+ years
|
Loan broker Credify
|
|
|
|
APR from 30% to 365%
|
₱500 — ₱30,000
|
from 91 days to 2 years
|
18+ years
|
Loan broker Mazilla
|
|
|
|
APR from 12% to 36%
|
₱1,000 — ₱25,000
|
from 61 to 120 days
|
18+ years
|
Loan broker Cash Space
|
|
|
|
APR up to 180%
|
₱1,000 — ₱25,000
|
from 3 to 12 months
|
20+ years
|
Loan broker Soscredit
|
|
|
|
APR from 11.9% to 365%
|
₱100 — ₱25,000
|
from 61 days to 60 months
|
18+ years
|
Loan broker Zaimoo
|
|
|
|
APR from 0% to 427%
|
₱500 — ₱25,000
|
from 3 to 12 months
|
21 — 64 years
|
Loan broker Finmerkado
|
|
|
|
APR from 0% to 36%
|
₱1,000 — ₱25,000
|
from 61 to 365 days
|
18+ years
|
Loan broker Finpug
|
|
|
|
APR from 0% to 427%
|
₱500 — ₱25,000
|
from 91 to 180 days
|
18+ years
|
Loan broker PERA Muning
|
|
|
APR 143% per year
|
₱1,000 — ₱20,000
|
from 61 to 183 days
|
22 — 70 years
|
Registration № CS201726430, CA №1181
|
|
|
APR 180%
|
₱100 — ₱50,000
|
from 61 to 120 days
|
18+ years
|
Loan broker Fintree
|
|
|
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
|
|
|
APR from 30% to 360%
|
₱1,000 — ₱100,000
|
from 61 to 365 days
|
18+ years
|
|
|
|
APR 39.78% – 54.756%
|
₱3,500 — ₱500,000
|
from 6 to 10 months
|
18+ years
|
|
|
|
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
|
|
|
|
|
₱1,500 — ₱8,000
|
from 120 to 210 days
|
20 — 60 years
|
NO.CS201916699 CERTIFICATE OF AUTHORITY NO.3119
|
|
|
726.35% per annum
|
₱500 — ₱20,000
|
from 91 to 365 days
|
18 — 70 years
|
Loan broker FinaGuru
|
|
|
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
|
|
|
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
|
|
|
0.8% per day
|
₱1,000 — ₱30,000
|
from 61 to 360 days
|
18 — 75 years
|
Loan broker Pera Asia
|
|
|
0,16% per day (60% per year)
|
₱2,000 — ₱10,000
|
from 61 to 90 days
|
21+ years
|
SEC registration number at CS201911369, Certificate of Authority №3032
|
|
|
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
|
|
|
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
|
|
|
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
|
|
|
|
ACR of 26.9%
|
₱10,000 — ₱2,000,000
|
from 1 to 5 years
|
21 — 65 years
|
|
|
|
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
|
|
|
APR 25.55%
|
₱2,000 — ₱55,000
|
from 91 days to 12 months
|
18+ years
|
SEC Registration Number CS201816338, Certificate of Authority No. 1178
|
|
|
Interest rate approximately 6%
|
₱1,000 — ₱60,000
|
4, 6, 9, 12, 18 or 24 months
|
18+ years
|
SEC Reg. No. CS201916698, C.A. No 1241
|
|
|
Maximum APR 24%
|
₱3,000 — ₱10,000
|
from 90 to 120 days
|
18+ years
|
Registration Number CS201909928, CA Number 3007
|
|
| 🟢 Interest: | from 0% to 7200% |
| 🟢 Term: | from 2 months to 5 years |
| 🟢 Loan amount: | from 100 to 2,000,000 ₱ |
| 🟢 Number of offers: | 53 |
