Legit lending companies in Philippines

List of online lending companies registered in SEC.

Top 10 online lending companies

Search for loans
Digido - Loans online, fast and reliable
APR 59.9%
₱1,000 — ₱25,000
21 — 70 years
from 2 to 6 months
MoneyCat - Cash loan online with fast approval in Philippines
APR 145%
₱500 — ₱20,000
22+ years
from 3 to 6 months
Cash express - Online Loans in 15 minutes with No Requirements
from 0% up to 1.99% per day
₱1,000 — ₱20,000
21 — 70 years
7 or 14 days
More info CashXpress South East Asia Lending Inc.
Online Loans Pilipinas - 0% interest, instant approval
APR 143% per year
₱1,000 — ₱20,000
22 — 70 years
from 61 to 183 days
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
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
LoanOnline - Compare loans completely free
APR from 0% to 427%
₱500 — ₱25,000
18+ years
from 3 to 12 months
More info SIA JEFF
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
Credit Nice - Money Loans. Approval Regardless of Credit
₱50,000
18+ years
More info TOV INTERNET FINANCE GROUP
Kviku - Online Bank
0.16% per day
₱500 — ₱25,000
20 — 55 years
from 2 to 6 months

Things to know when looking for lending companies in the Philippines:

1. Check the company's registration:

2. Read the terms and conditions carefully:

3. Compare different lenders:

4. Be aware of the risks:

5. Borrow only what you can afford:

List of TOP 7 legal online lending apps 2024

Digido

Digido - Loans online, fast and reliable

Get your first loan with 0% interest rate for 7 days!

Interest RatesAPR 59.9%
Maximum Loan Amount₱1,000 — ₱25,000
Borrower Age21 — 70 years
Loan Termsfrom 2 to 6 months

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

OLP - Online Loans Pilipinas

Online Loans Pilipinas - 0% interest, instant approval

0% interest if you pay back on the first payment date

Interest RatesAPR 143% per year
Maximum Loan Amount₱1,000 — ₱20,000
Borrower Age22 — 70 years
Loan Termsfrom 61 to 183 days

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

Prima Cash

Prima Cash - Online loans in Philippines

Prima Cash -  Free-to-use PH loan app:

Interest Rates0,03% per day (10,05% per year)
Maximum Loan Amount₱3,000 — ₱150,000
Borrower Age18+ years
Loan Termsfrom 91 to 360 days

Una Cash

UnaCash - Fast cash loans in the Philippines

Convenient cash loan application without leaving the safety and comfort of your home.

Interest RatesAPR 194%
Maximum Loan Amount₱1,000 — ₱50,000
Borrower Age18+ years
Loan Termsfrom 2 to 6 months

Pera Asia

Pera Asia - Quick credits in Philippines

Pera Asia Loan parameters:

Interest Rates0.06% per day
Maximum Loan Amount₱1,000 — ₱200,003
Borrower Age18 — 75 years
Loan Termsfrom 61 to 360 days

Legit lending companies in Philippines - Pros and Cons

Positives
  • All process is online and fast
  • Automated service, working 24/7
  • First loan with 0% interest rate, if repayed in time
  • Data is secured
  • Collateral and guarantor not needed
  • Transparent term
  • No hidden fees!
  • Mobile App is available on Google Play and App Store
Negatives
  • High interest rate from the second loan
  • High penalties, if not repayed in time
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
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