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Pautang means a loan or lending money in Filipino. Online pautang allows borrowers in the Philippines to request cash through a loan app or website without visiting a physical branch.
Loan amounts, eligibility requirements, interest rates, repayment periods, and disbursement methods depend on the lender. Approval is not guaranteed.
These established providers publish regulatory information about the companies operating their services:
Other regulated credit options include GLoan, provided through GCash by SEC-regulated Fuse Financing, Inc., and Home Credit, operated by HC Consumer Finance Philippines, Inc. Maya Personal Loan is provided by Maya Bank, Inc., which is regulated by the Bangko Sentral ng Pilipinas (BSP).
Regulatory registration does not guarantee approval, affordable rates, or protection from impersonators. Always confirm the specific provider and loan offer before applying.
A legitimate lending or financing company must have an SEC Certificate of Authority (CA). Check the company's legal name and registration details, then verify the app on the SEC List of Recorded Online Lending Platforms. For bank-issued loans, verify the provider's BSP regulatory status.
A request for an advance processing fee, security deposit, insurance payment, or QR-code transfer before loan release is a major scam warning. Legitimate loan processing charges, where applicable, must be disclosed in the loan terms rather than requested as a separate advance payment.
Before accepting any online pautang offer, compare:
The lowest advertised interest rate does not necessarily mean the lowest total borrowing cost.
Never share your password, PIN, or one-time password (OTP) with someone claiming to be a loan agent. Be cautious of apps requesting unnecessary access to your contacts, messages, or personal information. Philippine privacy rules restrict excessive data collection and abusive debt collection practices.
Download apps through verified links from the provider's official website or app store listing. Avoid unverified Facebook loan agents, suspicious download links, and offers promising guaranteed approval.
To verify an online lending app, check the official SEC website and its current records of registered companies and recorded online lending platforms.
For complaints involving SEC-regulated lending or financing companies, use the SEC iMessage Portal. The SEC also lists hotline 1-4732 (1-4SEC).
For suspected unauthorized lending operations involving companies without a Certificate of Authority, contact the SEC Enforcement and Investor Protection Department at [email protected].
If a fake loan app has obtained your information or threatened you, save screenshots, payment receipts, messages, and other evidence for your complaint.
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
|
|
|
|
from 0%
|
₱1,000 — ₱50,000
|
up to 12 months
|
20 — 70 years
|
SEC Registration No. CS201908275 SEC Certificate of Authority No. 1324
|
|
|
|
APR 182%
|
₱1,000 — ₱30,000
|
from 61 to 364 days
|
21 — 70 years
|
SEC Registration No. 2021030009095-02 Certificate of Authority No. 3427
|
|
|
|
0.16% per day
|
₱1,000 — ₱25,000
|
from 15 to 135 days
|
20 — 55 years
|
SEC Registration No. CS201918702. Certificate of Authority No. 3169, NPC Registration No. PIC-001-791-2021
|
|
|
|
APR from 4% to 916%
|
₱1,000 — ₱25,000
|
from 30 days
|
18+ years
|
Loan broker Finami
|
|
|
|
Interest rate 24% to 143%
|
₱2,500 — ₱30,000
|
from 3 to 12 months
|
22 — 60 years
|
Loan broker Finance Solution
|
|
|
|
APR from 4% to 916%
|
₱1,000 — ₱50,000
|
from 3 to 4 months
|
18+ years
|
Loan broker Binixo
|
|
|
|
APR from 12% to 36%
|
₱500 — ₱25,000
|
from 91 to 120 days
|
18 — 70 years
|
Loan broker Crezu
|
|
|
|
|
₱1,000 — ₱50,000
|
|
18+ years
|
Loan broker Credit Nice
|
|
|
|
APR from 0% to 143%
|
₱1,000 — ₱25,000
|
from 61 to 120 days
|
18+ years
|
Loan broker Credy
|
|
|
|
APR from 0% to 427%
|
₱500 — ₱25,000
|
from 3 to 12 months
|
18+ years
|
Loan broker Loan Online
|
|
|
|
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
|
|
|
|
APR 180%
|
₱1,000 — ₱25,000
|
from 3 to 12 months
|
20+ years
|
Loan broker Credify
|
|
|
|
₱200 — ₱25,000
|
|
18+ years
|
Loan broker Creditify
|
|
|
|
APR from 30% to 365%
|
₱500 — ₱30,000
|
from 91 days to 2 years
|
18+ years
|
Loan broker Mazilla
|
|
|
|
APR from 12% to 36%
|
₱500 — ₱25,000
|
from 61 to 120 days
|
18+ years
|
Loan broker Cash Space
|
|
|
|
APR up to 180%
|
₱500 — ₱20,000
|
from 3 to 12 months
|
20+ years
|
Loan broker Soscredit
|
|
|
|
APR from 11.9% to 365%
|
₱500 — ₱50,000
|
from 61 days to 60 months
|
18+ years
|
Loan broker Zaimoo
|
|
|
|
APR from 0% to 36%
|
₱1,000 — ₱30,000
|
from 30 days to 12 months
|
18+ years
|
Loan broker Finloo
|
|
|
|
|
₱1,000 — ₱50,000
|
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
|
|
|
|
|
₱1,000 — ₱25,000
|
from 1 to 62 days
|
18 — 70 years
|
Loan broker Credilemon
|
|
|
|
₱5,000 — ₱25,000
|
from 6 to 12 months
|
18 — 68 years
|
Reg No. CS201602333
|
|
|
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
|
|
|
APR 25.55%
|
₱2,000 — ₱55,000
|
from 91 days to 12 months
|
18+ years
|
SEC Registration Number CS201816338, Certificate of Authority No. 1178
|
|
|
|
₱5,000 — ₱500,000
|
from 3 to 60 months
|
|
SEC Registration Number: CS201628816, Certificate of Authority: No. 1288
|
|
|
APR 39.78% – 54.756%
|
₱3,500 — ₱500,000
|
from 6 to 10 months
|
18+ years
|
|
|
|
APR up to 30%
|
₱1,000 — ₱50,000
|
from 91 to 180 days
|
21+ years
|
SEC Reg. Number: CS201910407. Certificate of Authority Number 3015
|
|
|
from 0% up to 1.99% per day
|
₱1,000 — ₱20,000
|
7 or 14 days
|
21 — 70 years
|
Company Registration No. CS201951088 and Certificate of Authority No. 1309
|
|
|
3.49% monthly
|
₱2,000 — ₱40,000
|
from 1 to 12 months
|
|
SEC Registration No. CS201516347 and Certificate of Authority No. 1101
|
|
|
|
₱1,000 — ₱20,000
|
up to 190 days
|
20 — 65 years
|
SEC Registration No. CS202102336 and Certificate of Authority No. 3413
|
|
|
|
₱100,000
|
from 2 to 12 months
|
18+ years
|
SECNo. CS200813771, Certificate of Authority No. 279
|
|
|
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
|
|
|
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
|
|
|
Monthly EIR 1.40%
|
₱15,000 — ₱250,000
|
from 6 up to 24 months
|
21 — 65 years
|
|
|
|
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
|
|
|
|
₱1,500 — ₱8,000
|
from 120 to 210 days
|
20 — 60 years
|
NO.CS201916699 CERTIFICATE OF AUTHORITY NO.3119
|
|
|
APR 145%
|
₱500 — ₱20,000
|
from 90 to 180 days
|
22+ years
|
CS201953073
|
|
|
|
₱5,000
|
1, 2, 3, 6 and 12-month
|
18+ years
|
|
|
|
APR 18%
|
₱1,000 — ₱50,000
|
from 30 to 180 days
|
21 — 65 years
|
SEC Registration No: CS201516347
|
|
|
APR 48%
|
|
from 2 to 18 months
|
18+ years
|
Registration No. CS201820732 and Certificate of Authority No. 1228
|
|
|
APR 59.9%
|
₱1,000 — ₱25,000
|
from 2 to 6 months
|
21 — 70 years
|
SEC Registration No. 202003056. Certificate of Authority No. 1272
|
|
|
0,05% per day
|
₱2,000 — ₱12,000
|
from 91 to 120 days
|
18+ years
|
SEC company registration NO.CS201803813
|
|
|
APR 143% per year
|
₱1,000 — ₱20,000
|
from 61 to 183 days
|
22 — 70 years
|
Registration № CS201726430, CA №1181
|
|
|
2% per day
|
₱1,000 — ₱30,000
|
from 30 days
|
20 — 65 years
|
CS20200000915
|
|
|
|
|
|
|
|
|
|
APR 143%
|
₱1,000 — ₱20,000
|
|
22 — 70 years
|
Registration № CS201804564, SEC Certificate of Authority No. 1165
|
|
|
APR from 30% to 360%
|
₱1,000 — ₱100,000
|
from 61 to 365 days
|
18+ years
|
|
|
|
|
|
|
|
|
|
|
up to 2% per day
|
₱1,000 — ₱20,000
|
from 1 to 35 days
|
18+ years
|
|
|
|
annual rate of 24%
|
₱5,000 — ₱15,000
|
from 7 to 60 days
|
18+ years
|
SEC No. :CS202104554 Certificate of Authority NO.3442
|
|
|
ACR of 26.9%
|
₱10,000 — ₱2,000,000
|
from 1 to 5 years
|
21 — 65 years
|
|
|
|
0,05% per day (24% per year)
|
₱2,000 — ₱50,000
|
from 91 to 365 days
|
18+ years
|
Registration No. 2021110033908-30
|
|
|
|
₱20,000 — ₱180,000
|
from 365 to 1460 days
|
|
CS200917691
|
|
|
0,11% per day
|
₱2,000 — ₱20,000
|
from 91 to 210 days
|
20+ years
|
|
|
|
|
₱1,000 — ₱25,000
|
|
21 — 70 years
|
SEC Registration No.CS201902369
|
|
|
APR: 20.8415%
|
₱5,000 — ₱50,000
|
|
21 — 50 years
|
SEC Registration No. CS201610084
|
|
|
|
₱100 — ₱50,000
|
from 10 to 120 days
|
18+ years
|
INST CODE 031000417
|
|
|
Maximum APR 24%
|
₱3,000 — ₱10,000
|
from 90 to 120 days
|
18+ years
|
Registration Number CS201909928, CA Number 3007
|
|
|
APR from 15% to 20%
|
₱2,000 — ₱30,000
|
from 90 to 120 days
|
|
SEC Registration No. CS201912321 Certificate of Authority No. 3041
|
|
|
|
|
|
18+ years
|
SEC Registration Number: 2021080022645-03. Certificate of Authority L-21-0045-40
|
|
|
0,03% per day
|
₱2,000 — ₱20,000
|
from 180 to 360 days
|
21+ years
|
SEC registration number at 2021050012959-04
|
|
|
0.06% per day
|
₱2,000 — ₱20,000
|
from 60 to 120 days
|
21+ years
|
SEC Registration No. CS202105682
|
|
|
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 143%
|
₱10,000 — ₱50,000
|
from 180 to 720 days
|
|
CS201300789
|
|
|
APR 194%
|
₱1,000 — ₱50,000
|
from 1 to 6 months
|
18+ years
|
Registration No. CS202003056 and Certificate of Authority No. 1272.
|
|
|
0,5% per day
|
₱1,000 — ₱25,000
|
from 1 to 61 days
|
18+ years
|
SEC Registration No. CS201710582, Certificate of Authority No. 1132
|
|
|
Interest rate 0.2% per day
|
₱2,000 — ₱20,000
|
from 30 to 120 days
|
21 — 60 years
|
SEC Registration Number: CS201603853
|
|
|
APR 84%
|
₱5,000 — ₱50,000
|
from 6 to 24 months
|
18+ years
|
|
|
|
APR from 3.95 to 49.68%
|
₱1,000 — ₱10,000
|
from 15 to 45 days
|
21+ years
|
SEC Registration No. CS201800209 Certificate of Authority No. 1162
|
|
|
|
₱2,000 — ₱15,000
|
up to 3 months
|
20+ years
|
Registration No.CS201825672 Certificate of Authority 2844
|
|
|
|
|
up to 12 months
|
18+ years
|
|
|
|
0.08% per day
|
₱3,000 — ₱20,000
|
from 91 to 180 days
|
18+ years
|
SEC Registration No:CS202000000916 Certificate of Authority: 1274
|
|
|
APR 34.68%
|
₱1,000 — ₱35,000
|
from 91 to 121 days
|
18+ years
|
SEC Registration No. CS201951100 Certificate of Authority No. 2917
|
|
|
0.26% per day
|
₱50,000 — ₱2,000,000
|
from 12 to 36 months
|
|
SEC Registration No. CS 201908028
|
|
|
0.3% per day
|
₱3,000 — ₱50,000
|
from 60 to 120 days
|
18+ years
|
SEC Company Reg. No. CS201906864
|
|
|
20% per day
|
₱8,000 — ₱100,000
|
from 91 to 120 days
|
18+ years
|
SEC Registration No. CS201824008
|
|
|
APR from 14% to 35%
|
₱2,000 — ₱20,000
|
from 91 to 120 days
|
18+ years
|
SEC Registration No. CS201826247 and Certificate of Authority No. 2859
|
|
|
0.06% per day
|
₱5,000 — ₱20,000
|
from 91 to 365 days
|
18+ years
|
Company registration no.cs201816691, Sertificate of authority no.2739
|
|
| 🟢 Interest: | from 0% to 916% |
| 🟢 Term: | up to 5 years |
| 🟢 Loan amount: | from 200 to 50,000 ₱ |
| 🟢 Number of offers: | 23 |
