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.
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 Rates | APR 145% |
| Maximum Loan Amount | ₱500 — ₱20,000 |
| Borrower Age | 22+ years |
| Loan Terms | from 3 to 6 months |
Online Loans Pilipinas - 0% interest, fast approval
0% interest rate if you pay back on the first payment date
| Interest Rates | APR 143% per year |
| Maximum Loan Amount | ₱1,000 — ₱20,000 |
| Borrower Age | 22 — 70 years |
| Loan Terms | from 61 to 183 days |
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.
Compare loans in just 2 minutes:
| 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.
Get an online loan in just 5 minutes:
| 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 |
Maya Bank Personal Loan - Up to 250,000 PHP instantly
Personal Loan Philippines to Maya Wallet:
| Interest Rates | Monthly EIR 1.40% |
| Maximum Loan Amount | ₱15,000 — ₱250,000 |
| Borrower Age | 21 — 65 years |
| Loan Terms | from 6 up to 24 months |
Palawan Pawnshop - Non-bank financial institution in the Philippines
Palawan Pawnshop offers accessible pawning services across the Philippines, allowing customers to secure quick cash loans using valuable items as collateral at over 3,300 branches nationwide.
It's a trusted option for Filipinos needing immediate funds without credit checks, combined with remittance and e-wallet services via PalawanPay.
Palawan Pawnshop online loans parameters:
| Maximum Loan Amount | ₱100 — ₱50,000 |
| Borrower Age | 18+ years |
| Loan Terms | from 10 to 120 days |
Acom - Low Interest cash loan for Philippine employees
ACOM Consumer Finance Corporation (acom.com.ph) is a Philippine consumer finance company — a subsidiary of Japan’s ACOM Co., Ltd. — that provides unsecured personal and revolving cash loans to employed Filipino customers through branches and partner outlets.
| Interest Rates | APR 39.78% – 54.756% |
| Maximum Loan Amount | ₱3,500 — ₱500,000 |
| Borrower Age | 18+ years |
| Loan Terms | from 6 to 10 months |
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: CS201953O73., Certificate of Authority №1254
|
|
|
|
APR 143% per year
|
₱1,000 — ₱20,000
|
from 61 to 183 days
|
22 — 70 years
|
Registration № CS201726430, CA №1181
|
|
|
|
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 from 0% to 427%
|
₱500 — ₱25,000
|
from 3 to 12 months
|
18+ years
|
43603085405
|
|
|
|
APR from 0% to 143%
|
₱1,000 — ₱25,000
|
from 61 to 120 days
|
18+ years
|
No. 11501857
|
|
|
|
from 12% up to 36%
|
₱1,000 — ₱25,000
|
from 61 to 120 days
|
20 — 70 years
|
|
|
|
|
APR from 0% to 143%
|
₱1,000 — ₱25,000
|
from 61 to 120 days
|
18+ years
|
Estonian Commercial Register under no. 11501857
|
|
|
|
APR from 4% to 916%
|
₱1,000 — ₱25,000
|
from 3 to 12 months
|
18+ years
|
|
|
|
|
APR 180%
|
₱1,000 — ₱25,000
|
from 3 to 12 months
|
20+ years
|
|
|
|
|
APR from 30% to 365%
|
₱500 — ₱30,000
|
from 91 days to 2 years
|
18+ years
|
|
|
|
|
APR from 12% to 36%
|
₱1,000 — ₱25,000
|
from 61 to 120 days
|
18+ years
|
registration number: 14523902
|
|
|
|
APR up to 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
|
|
|
|
APR from 0% to 427%
|
₱500 — ₱25,000
|
from 3 to 12 months
|
21 — 64 years
|
43603085405
|
|
|
|
CAT from 0% to 36%
|
₱1,000 — ₱25,000
|
from 61 to 365 days
|
18+ years
|
|
|
|
|
APR from 0% to 427%
|
₱500 — ₱25,000
|
from 91 to 180 days
|
18+ years
|
|
|
|
|
Interest rate 24% to 143%
|
₱2,500 — ₱30,000
|
from 3 to 12 months
|
21 — 70 years
|
|
|
|
APR 180%
|
₱100 — ₱50,000
|
from 61 to 120 days
|
18+ years
|
HE 321681
|
|
|
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
|
|
|
|
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
|
|
|
|
0,16% per day (60% per year)
|
₱2,000 — ₱10,000
|
from 61 to 90 days
|
21+ years
|
SEC registration number at CS201911369
|
|
|
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
|
|
| 🟢 Interest: | from 0% to 7200% |
| 🟢 Term: | from 2 months to 5 years |
| 🟢 Loan amount: | from 100 to 2,000,000 ₱ |
| 🟢 Number of offers: | 49 |
