Things to know when looking for lending companies in the Philippines:
1. Check the company's registration:
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 |