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

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

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

Digido

Digido - Loans online, fast and reliable

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

• Amount for the first loan from PHP 1,000 to 10,000 
• Up to PHP 25,000 for up to 180 days for repeated loans
• Terms 2, 3, 4, 5, or 6 months
• Loan can be closed in 1 day
• Maximum interest rate 59.9% per year

Interest Rates	APR 59.9%
Maximum Loan Amount	₱1,000 — ₱25,000
Borrower Age	21 — 70 years
Loan Terms	from 2 to 6 months

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

Vamo

Vamo - Flexible finances

• Amount from PHP 1,000 to 30,000 (maximum PHP 10,000 for a new client)
• Interest rate of 2% per day
• Processing fee set at PHP 100 
• Full repayment 30 days after or pay minimum monthly payments

Interest Rates	2% per day
Maximum Loan Amount	₱1,000 — ₱30,000
Borrower Age	20 — 65 years
Loan Terms	from 30 days

Pautang Online

Pautang Online - App for digital credit to Filipinos

Pautang Online is a fintech platform that delivers digital credit to Filipinos – helping them elevate their financial well-being.

• Amount from 1,500 to 8,000 PHP
• Terms from 120 to 210 days
• Interest Rate 0,05% per day

Maximum Loan Amount	₱1,500 — ₱8,000
Borrower Age	20 — 60 years
Loan Terms	from 120 to 210 days

PesoQ

PesoQ - Reliable Online Loan

PesoQ personal loan conditions:

• Loan amount from 5.000 to 20.000 PHP
• Interest rate 0.06% per day
• Term from 91 to 365 days

Interest Rates	0.06% per day
Maximum Loan Amount	₱5,000 — ₱20,000
Borrower Age	18+ years
Loan Terms	from 91 to 365 days