Legit lending companies in Philippines

List of online lending companies registered in SEC.

Top 10 online lending companies

Search for loans
7 reviews APPLY NOW
MoneyCat - Cash loan online with fast approval in Philippines
APR 145%
₱500 — ₱20,000
22+ years
from 3 to 6 months
13 reviews APPLY NOW
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.
6 reviews APPLY NOW
Finami - Fast and easy online loans 24/7
APR from 4% to 916%
₱1,000 — ₱25,000
18+ years
from 30 days
More info Infinsacom Kft.
3 reviews APPLY NOW
Credit Nice - Money Loans. Approval Regardless of Credit
₱50,000
18+ years
More info TOV INTERNET FINANCE GROUP
1 reviews APPLY NOW
Cash2Go - Quick loan up to PHP 25,000 in Philippines
APR from 0% to 143%
₱1,000 — ₱25,000
18+ years
from 61 to 120 days
More info Traffic Control Ltd
3 reviews APPLY NOW
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
23 reviews APPLY NOW
Kviku - Online Bank
0.16% per day
₱500 — ₱25,000
20 — 55 years
from 2 to 6 months
5 reviews APPLY NOW
LoanOnline - Compare loans completely free
APR from 0% to 427%
₱500 — ₱25,000
18+ years
from 3 to 12 months
More info SIA JEFF
12 reviews APPLY NOW
Binixo - Free service for loans comparison
APR from 4% to 916%
₱1,000 — ₱25,000
18+ years
from 3 to 12 months
More info Infinsacom Kft.
8 reviews APPLY NOW
Finbro - Online lending platform to get a loan quickly
from 0%
₱1,000 — ₱50,000
20 — 70 years
up to 12 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 2025

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

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

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

Pesoredee

Get the first loan for free - 0% interest by PesoRedee

Get the first loan for free! 0% interest if you pay back on the first payment date.

Interest RatesAPR 143%
Maximum Loan Amount₱1,000 — ₱20,000
Borrower Age22 — 70 years

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

Sumisho

Sumisho - Online loans upto 180,000 PHP in 24 hours

Maximum Loan Amount₱20,000 — ₱180,000
Loan Termsfrom 365 to 1460 days

CashG

CashG - A micro-lending service in Philippines

CashG provides an easy, transparent, and secure online lending service, aiming to be the No. One Lending App for Filipinos.

Interest Rates0,05% per day (24% per year)
Maximum Loan Amount₱2,000 — ₱50,000
Borrower Age18+ years
Loan Termsfrom 91 to 365 days

Legit lending companies in Philippines - 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
  • Works 24/7 and 24-hour approval
  • 100% online process
  • Transparent costs
Negatives
  • Low amount for the first application PHP 7,000
  • Low maximum age - 55 years
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