Legit lending companies in Philippines

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

1. Check the company's registration:

• Make sure the company is registered with the Securities and Exchange Commission (SEC) https://www.sec.gov.ph/ and the Bangko Sentral ng Pilipinas (BSP) https://www.bsp.gov.ph/.

2. Read the terms and conditions carefully:

• Understand the interest rates, fees, and other charges involved in the loan.
• Make sure you are comfortable with the repayment terms before signing any agreements.

3. Compare different lenders:

• Get quotes from multiple lenders before choosing one.
• Consider the interest rates, fees, and other terms offered by each lender.

4. Be aware of the risks:

• Borrowing money always carries risks.
• Make sure you understand the risks involved before taking out a loan.

5. Borrow only what you can afford:

• Do not borrow more than you can afford to repay.
• Consider your income and expenses when making a decision.

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!

• Amount from PHP 500 to 20,000 
• Term from 3 to 6 months
• Interest rates 11.9% per month
• Maximum APR 145%
• Loans in 5 minutes
• You don’t need to confirm income, bring references, visit our office

Interest Rates	APR 145%
Maximum Loan Amount	₱500 — ₱20,000
Borrower Age	22+ years
Loan Terms	from 3 to 6 months

Kviku

Kviku - Online Bank

Up to PHP 25 000 for up to 180 days, disbursed in 5 minutes

• Amount from PHP 500 to 25,000
• Term from 2 to 6 months
• For first time borrowers the term is maximum 60 days
• Daily interest rate of 0.16%

Interest Rates	0.16% per day
Maximum Loan Amount	₱500 — ₱25,000
Borrower Age	20 — 55 years
Loan Terms	from 2 to 6 months

Finbro

Finbro - Online lending platform to get a loan quickly

0% interest for the first loan from PHP 10,000

• Amount from PHP 1,000 to 50,000
• Amount for new clients up to PHP 15,000
• Terms up to 12 months

Interest Rates	from 0%
Maximum Loan Amount	₱1,000 — ₱50,000
Borrower Age	20 — 70 years
Loan Terms	up 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.

• Amount from PHP 1,000 to 20,000
• Up to PHP 7,000 for new clients
• Download the app for 100% mobile experience!

Interest Rates	APR 143%
Maximum Loan Amount	₱1,000 — ₱20,000
Borrower Age	22 — 70 years

OLP - Online Loans Pilipinas

Online Loans Pilipinas - 0% interest, instant approval

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

• Amount from PHP 1,000 to 20,000
• Amount for first-time applicants up to PHP 7,000
• First payment in 10 days
• Loan period 61 days - 183 days
• Maximal Annual percentage rate (APR) including all commissions is 143% per year
• Download the app OLP for 100% mobile experience

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

Sumisho

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

• Amount from PHP 20,000 to 180,000 PHP
• Terms from 365 to 1460 days
• From application to receipt of money 24 hours

Maximum Loan Amount	₱20,000 — ₱180,000
Loan Terms	from 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.

• Loan Amount from 2000 to 50.000 PHP
• First loan amount ranges from P2,000 to P5,000 and can grow up to P50,000 if you pay on-time regularly. 
• Loan terms from 91 to 365 days
• Interest Rate 0,05% per day (2% per month, 24% per year)
• CashG Loan offers quick loans that can be disbursed in as little as 1 day after your loan application has been approved.

Interest Rates	0,05% per day (24% per year)
Maximum Loan Amount	₱2,000 — ₱50,000
Borrower Age	18+ years
Loan Terms	from 91 to 365 days