30+ Fast Cash Loan Online Apps Philippines [Latest Update – 5/13/2023]
In the Philippines, more and more people are turning to online loans to help meet their financial needs. The convenience and speed of online loans make them an attractive option compared to traditional loan methods. With that in mind, here is a list of the top 10+ new fast cash loan online apps available in the Philippines today. These apps (mobile applications or website applications) provide quick and easy access to loans, allowing you to meet your financial goals in no time. Read on to learn more about each of these apps and how they can help you today.
1. Tonik Bank
- 0% interest rate for new clients
- First loan: 5000 – 50000 ₱
- Maximum amount: 50000 ₱
- Loan term: 6 – 24 month
Tonik Bank is a digital bank in the Philippines that offers retail financial products including deposits, loans, savings accounts, payments, and cards on a highly secure platform.
Here are some of the features of Tonik Bank:
- Tonik Account: This is the main account that comes with 5 Stashes and 5 Time Deposit accounts within the Tonik App. You can move, organize, and personalize your cash.
- Quick Loan: You can easily apply for a loan from Tonik in 30 minutes. Get up to P50,000 immediately. No collateral is needed, and there is no credit history required. The loan amount ranges from ₱5,000 to ₱50,000. The payment date is flexible, and you can choose your preferred salary payout date. The loan info can be seen on the Tonik App, and the full loan amount can be cashed out in real-time.
- Security: Tonik Bank is highly secure, and its deposits are insured by the Philippine Deposit Insurance Corporation (PDIC). The Tonik App is loaded with security features to ensure the security of your Tonik account.
- Legal Structure: Tonik Financial Pte Ltd is based in Singapore and focuses on the product development and technology integration for the digital banking platform. Tonik Digital Bank Inc is the local subsidiary in the Philippines that conducts banking operations and is regulated by Bangko Sentral ng Pilipinas as a rural bank. In accordance with the local banking law, 40% of the local subsidiary is owned by local investors.
2. Online Loans Pilipinas
- 0.00% interest rate for new clients
- First loan: 1 000 – 30 000 ₱
- Maximum amount: 30 000 ₱
- Loan term: 90 – 720 days
Online Loans Pilipinas is a lending company in the Philippines that offers fast loans with no collaterals and tedious processing. The loan application can be completed online, and approval can be received within 24 hours. The company offers repeat loans with better conditions for loyal customers. The loan amount can be received through the bank account registered in the online application form.
3. Cashspace
- 0% interest rate for new clients
- First loan: 1000 – 25000 ₱
- Maximum amount: 25000 ₱
- Loan term: 30-180 days
Cashspace.ph is a website that offers instant online loans for urgent needs in the Philippines. It is not a financial institution, bank, or lender, but rather an intermediary between a client who is looking to take a loan and a licensed financial institution.
The loans offered have minimum repayment terms of 61 days (2 months) and maximum repayment terms of 120 days (4 months), with lending rates varying from lender to lender in the range from 12% to a maximum APR of 36%. By submitting an application on the website, users agree to the terms and conditions of use, which include visiting, browsing, or providing personal information to register to use the website.
The website is owned and operated by Fininity Ltd, which is registered in Estonia. The privacy policy of Cashspace.ph describes the information that the website gathers from users, how it uses the information, whom it shares the information with, and the steps it takes to protect the information. Users can unsubscribe from all email and SMS promotions and delete their personal data from the system by entering their registered email address and clicking on the button.
4. Cash-Express
- 0% interest rate for new clients
- First loan: 1000 – 30000 ₱
- Maximum amount: 30000 ₱
- Loan term: 30 days
Cash-express is an online lending platform in the Philippines that offers fast and easy loans with low interest rates and instant approval in as little as 15 minutes. Loans can be availed for 7 to 14 days, depending on the borrower’s cash flow. The loan interest rate varies depending on the loan amount and other factors. Cash-express also offers payday loans with no credit check and instant processing. The platform has a loan app that provides quick and easy access to cash for Filipinos. Cash-express is available nationwide and borrowers can apply for loans from anywhere in the Philippines, provided they meet the requirements
5. Digido
- 0.00% interest rate for new clients
- First loan: 1000 – 10 000 ₱
- Maximum amount: 25 000 ₱
- Loan term: 90-180 days
Digido is an online lending platform in the Philippines that offers instant loans up to PHP 10,000 . They provide fast personal loans with quick approval, and new clients can benefit from a 0% interest rate on their first loan. The application process is simple, requiring only a valid government ID and a bank account, with processing taking as little as 15 minutes.
Digido offers short-term loans ranging from PHP 1,000 to PHP 25,000, with a maximum limit of PHP 10,000 for first-time borrowers and loan periods of 5-15 days. The company is a legit and state-licensed lender with an extensive network of branches across the Philippines
6. Kviku
- 0.16% interest rate for new clients
- First loan: 500 – 25 000 ₱
- Maximum amount: 25 000 ₱
- Loan term: 60 – 180 days
Kviku is an online bank that offers loans in the Philippines. The size of the loan can vary from Php 500 to Php 25,000, and the term is from 60 days to 6 months.
Kviku is a fully automated online service that grants loans at any time of the day. The human factor is completely excluded, so you can be sure of the objectivity of the decisions being made. The funds are transferred instantly.
There is no need to visit a branch. You can submit your application form anytime, even after banking hours and during weekends. 24-hour approval.
To contact Kviku, you can email them at support@kviku.ph. They promise to be in touch with you within 20 to 30 minutes. Kviku Lending Co. INC. is located at 18A Trafalgar Plaza, 105 H.V. Dela Costa Street, Salcedo Village Makati City, the Philippines.
7. PesoRedee
- 0% interest rate for new clients
- First loan: 1000 – 7000 ₱
- Maximum amount: 20000 ₱
- Loan term: 30-180 days
PesoRedee is an online lending app that offers fast and easy-to-use financial services to Filipino citizens. The app provides micro and consumer financing with no collateral and minimal requirements, making the service fast and convenient. PesoRedee is registered with the National Privacy Commission and the Securities and Exchange Commission.
The app offers a first loan for free with 0% interest if paid back on the first payment date. Users can apply for a loan through the app and get approved within 24 hours. PesoRedee has received positive reviews from users who have found the service helpful and reliable. The app is available for download on Android and IOS.
8. Finbro
- 0.00% interest rate for new clients
- First loan: 1000 – 50 000 ₱
- Maximum amount: 50 000 ₱
- Loan term: 30-366 days
Finbro is an online lending platform in the Philippines that offers loans to customers nationwide. Finbro customers are aged between 20 and 65 years old, have a stable income, and are located nationwide. The first loan from Finbro can be up to PHP 15,000 with an interest rate of 0%, and repeated loans can be up to PHP 50,000 depending on the customer’s credit score and history.
Finbro is a legal service registered by SEC PH. The service is available 24/7 and requires only an ID to apply for a loan. Finbro has transparent terms and no hidden fees. There are high-interest rates for repeated loans. There are some pros and cons to using the Finbro online loan app, according to a YouTube video review.
9. Peroloan
- 0% interest rate for new clients
- First loan: 500 – 25000 ₱
- Maximum amount: 25000 ₱
- Loan term: 30 – 366 days
Peroloan.ph is a website that offers loan comparison services in the Philippines. It allows users to apply for a loan once and then aggregates and compares all loan offers from reputable financial companies. The loan comparison table gives users a lot of preferential loan offers from many different credit institutions. The loan amount ranges from PHP 3000 to PHP 20000, and users can choose the repayment period that suits them.
Peroloan.ph offers different loan options to suit users’ needs, and their application process is simple and straightforward. Their friendly staff will guide users through the process and ensure that they understand the terms and conditions of the loan.
Plus, Peroloan.ph has a high loan approval rate, so users have a good chance of getting approved for a loan. Peroloan.ph is a legit loan service provider in the Philippines, and users can easily apply for a loan without the hassle of going through the traditional bank loan process.
10. Loanonline
- 0.00% interest rate for new clients
- First loan: 1000 – 25 000 ₱
- Maximum amount: 25 000 ₱
- Loan term: 30-366 days
LoanOnline.ph is a website where you can apply for a one-time loan and get loan comparison results from reputable financial companies in the market. The loan application process is 100% online and you can compare loans with just a few clicks.
LoanOnline.ph aggregates and compares all loan offers from reputable financial companies and makes good and suitable loan offers in a short time. You can choose from many loans at once – all in one loan application. The loan comparison service is free of cost.
Borrowing money online with LoanOnline.ph is extremely easy and convenient, just with a phone connected to the internet. The loan experience at LoanOnline.ph is amazing. By sharing some information about the amount to borrow and the loan period, LoanOnline.ph loan comparison table gives you a lot of preferential loan offers from many financial companies.
11. MoneyCat
- 0.00% interest rate for new clients
- First loan: 500 – 20 000 ₱
- Maximum amount: 20 000 ₱
- Loan term: 90 – 180 days
MoneyCat PH is a reputable online cash loan website in the Philippines that offers fast approval, simple procedures, quick disbursement, and professional support staff. To apply for a loan, customers need to fill out an online registration form and provide any document, phone number, and bank account in their name.
The loan amount can be up to 20,000 PHP, and the money will be disbursed to the customer’s account within 24 hours after confirming the agreement to sign contracts by SMS code.
MoneyCat has a team of professionally trained staff who are always ready to support customers. Customers can use the loan for various purposes, such as paying for school fees, repairing a car, or covering medical expenses. MoneyCat’s service is convenient and guaranteed, and customers can apply for a loan on any device connected to the network.
12. Finami
- 0% interest if you pay back on the first payment date
- First loan: 500 – 10000 ₱
- Maximum amount: 25000 ₱
- Loan term: 3 – 12 months
Finami is a website that provides fast and easy online loans 24/7. It is owned and operated by Infinsacom kft, which is registered in Estonia and Hungary. Finami is not a lender nor a provider, but rather a platform that connects borrowers with lenders. The website has a privacy policy that explains how they collect, process, and protect personal information. Finami also has a cookies policy that explains how they use cookies to track how well their content works and how users interact with it. In addition to providing loans, Finami also offers financial tips, including the pros and cons of online loans in the Philippines.
13. Tala Loan App
Tala is a mobile app in the Philippines that offers online personal loans up to ₱25,000 with fast approvals in 10 minutes. The app has over 5 million installs and provides flexible repayment options. To apply for a loan, download the Tala app and follow the application process.
Tala has partnered with various payment channels, including GCash, Coins.ph, PayMaya, 7-Eleven, M Lhuillier, and Cebuana Lhuillier, for convenient repayment.
For customer support, you can contact Tala via email at support@tala.ph or message them directly from the app. Additionally, Tala offers a Tala Account, an e-money instrument issued by UnionBank of the Philippines and EON, which allows 24/7 real-time transfers and has no maintaining balance requirements.
14. Mazilla PH
Mazilla is a service that helps people in the Philippines get loans online. The service is free, and each customer is offered personalized recommendations based on their solvency, which is assessed using data obtained from open sources. The annual loan interest rate is 30%, with a maximum of 365%, and the loan period is from 91 days to 2 years. Mazilla is not a financial institution, bank, or lender, and it is not liable for any lending agreements that are concluded or for the terms of those agreements.
15. Soscredit Philippines
Soscredit.ph is a website that offers loans to customers in the Philippines. Soscredit.ph offers loans to new clients up to 7000 ₱ without interest and 0% commission. The minimum loan repayment period is 3 months with an extension, maximum.
To apply for a loan, customers need to fill out the loan application and wait for a response. If the answer is positive, they will receive money in their bank account.
Soscredit offers its customers attractive terms and conditions for borrowing services. Customers can get a loan 24 hours a day, 7 days a week without going to a credit institution. The company is established in Latvia
Soscredit is an independent broker that provides consumers with free lender special terms and other relevant information for free. The online loan can be obtained from 20 to 70 years of age. To apply for an online loan, customers need to be solvent and have a bank account with a Filipino credit institution and a mobile phone. They need to fill out an application form and wait for the decision.
16. Credify Philippines
Credify.ph is a website that offers online loans with beneficial rules. The website provides concentrated money search and borrowing services from other legal companies’ websites, for a fee of 0 ₱.
To get a loan online, the applicant must be a resident of the Philippines between the age of 20 and 70 with any credit history, bank account in any of Philippine’s bank, and an active telephone number. The process of applying for a loan is simple and fast, with the option of receiving it 24 hours a day.
The website values the privacy and safety of its visitors and any information obtained from the visitor will not be disclosed and treated as confidential.
17. Binixo Philippines
Binixo.ph is a website that offers loans up to PHP 25,000 with a 0.01% interest rate and a 15-minute application consideration time. Binixo is an intermediary that helps clients find a company to get money from, but it is not responsible for the terms and conditions of one lender.
Binixo provides potential borrowers with transparent information on each lender and their requirements. Binixo also offers an affiliate program for individuals to earn money. The website has a privacy policy that outlines the terms and conditions of using the service.
18. Finloo Philippines
Finloo.ph is an online service in the Philippines that helps users find and select suitable companies for obtaining consumer loans. The platform is free of charge and analyzes the market to select lenders that match users’ requests, have good reviews, and a high probability of application approval. Finloo’s artificial intelligence selects the best loan offers on the market based on users’ requirements.
To get money with Finloo, users need to select the desired loan amount and repayment period, fill up a simple online form, and then receive the best deals available in the Philippines market. The funds are transferred to the user’s card within a few minutes.
19. Crezu Philippines
Crezu.ph is a personal loan search and comparison website in the Philippines. It helps users find the best loan offers by comparing hundreds of lenders based on the user’s profile. To use Crezu, you need to fill out a short application, and the platform will present you with personalized loan offers. The application process is quick and can be completed online.
Crezu.ph is a brand of the company Fininity Ltd. They also offer an affiliate program for those interested in monetizing their financial traffic.
20. Zaimoo Philippines
Zaimoo.ph is a website that offers online loans in the Philippines. Zaimoo.ph offers loans at 0% interest rate without checks. The website is an aggregator of credit products and does not issue loans or microcredits to users of the site.
Online loans are a common and convenient financial product for many Filipinos, and Zaimoo.ph is one of the websites that offer this service.
If you need money, Zaimoo.ph can be a reliable assistant in difficult times. It is important to understand how to apply for loans and how to properly pay them back to avoid penalties and late fees.
21. Unacash Philippines
UnaCash is a financing company in the Philippines that offers fast cash loans through their mobile app. The loan application process is fast and easy, and you can apply for a cash loan up to PHP 50,000 with low-interest rates and fast loan approval within 5 minutes.
UnaCash also offers a credit line loan with options to use credit or cash, with interest rates ranging from 0% to 13% for Buy Now, Pay Later from their partner merchants. To repay the loan, you can use online banks or over-the-counter payment options through the UnaCash app.
UnaCash is a licensed financing company registered with the Securities and Exchange Commission (SEC).
22. Vamo Philippines
Vamo.ph is a lending platform in the Philippines that offers loans to Filipino citizens aged 20-65 who are living and working in the country and have a valid ID. The loan application process is simple and can be completed in just 5 minutes by registering and submitting the application form. Once the application is approved, the loan proceeds will be transferred to the borrower’s nominated bank or e-wallet account.
Borrowers can check the status of their loan application by logging into their Vamo profile or by contacting customer service via email or phone. If a borrower has not received their loan by the next working day, they can contact customer service for assistance. Vamo encourages borrowers to make their loan payments in the morning of the last working day before the due date to ensure timely payment.
23. Home Credit Philippines
The provided URL leads to the Home Credit Philippines website, specifically to the page where customers can apply for product loans. Home Credit offers product loans for various needs, including mobile phones and furniture.
Customers can apply for pre-approval by logging in to the Home Credit app and tapping the “Product Loan” banner. In addition to product loans, Home Credit also offers cash loans with fast and easy approval for personal needs or business plans. Customers can learn more about Home Credit’s products and services on their website.
24. Cashalo Philippines
Cashalo is a fintech platform in the Philippines that provides digital credit to Filipinos. The platform offers online cash loans, shopping installments, and a “Buy Now Pay Later” option. To apply for a cash loan, users need to log in with their mobile number, tap ‘Apply Now’ under Cash Loan, complete their profile, choose the desired loan amount and terms, and select a cash-out option.
Cashalo cash loans can be paid through various methods, including e-wallets like GCash or PayMaya, and other payment options. The platform aims to help Filipinos elevate their financial well-being and is operated by Paloo Financing Inc.
26. Atome Philippines
Atome is a “buy now, pay later” (BNPL) mobile app in the Philippines that allows users to split their bills into three equal, interest-free payments over three months. The app is free to download and use, with no service fees or interest charges for consumers.
Atome also offers an Atome Card, which can be used anywhere Mastercard is accepted, with no minimum income requirement for credit approval. Users can shop at various stores across different categories, such as beauty, women, and electronics. The Atome app also features in-app games, rewards, and instant cashback for every dollar spent.
27. BillEase Philippines
BillEase is a versatile finance app that provides a range of financial services such as personal loans, e-wallet top-ups, prepaid load, gaming credits, bills payment, and installment plans for online shopping.
BillEase allows customers to purchase on installment and avail other financial services with their credit limit. The app offers instant credit up to P40,000 which can be used for online shopping even without a credit card or get a personal loan with payback options from 30 days or up to 12 months.
BillEase charges the lowest interest rate at only 3.49% monthly and offers 0% APR on select merchants when you sign up. With instant approval, BillEase gives you the freedom to fulfill all your needs from e-Wallet top-ups, mobile loads, to bills payment — all on the app.
The app is available for download on the App Store.
28. BPI Salary Loan
BPI (Bank of the Philippine Islands) offers salary loans with flexible loan term options from 12 to 36 months and a maximum annual contractual rate (ACR) of 25.60%. To apply for a salary loan, applicants need to submit a valid Philippine government-issued ID or company ID and the latest payslips (past 3 months) or ITR (BIR Form 2316).
BPI also offers personal loans with low interest and no collateral required. Income documents are not required for principal credit cardholders from another bank for at least 12 months with good payment standing.
To apply for a personal loan, applicants need to submit one valid Philippine government-issued ID with photo and signature and income documents such as the latest 3 months payslips or latest Income Tax Return (ITR) BIR Form 2316 or Certificate of Employment for employed/professionals, or audited financial statement or latest ITR BIR Form 2316 or DTI/SEC Business Registration Certificate for self-employed.
The income documents can be submitted to plviaonlinemailbox1@bpi.com.ph
The loan amount is multiplied by the factor rate indicated in the table provided by BPI, which varies depending on the loan term chosen.
29. Unionbank Quick Loan Application
The provided link leads to the Quick Loans page of UnionBank of the Philippines. Quick Loans is a fully digital salary loan program that offers fast approval for extra cash.
Customers can apply for a loan online through the UnionBank website (https://www.unionbankph.com/loans/quick-loan) or by emailing quickloans@unionbankph.com.
The program has terms and conditions that customers must agree to before applying. UnionBank also offers other types of loans, including home and auto loans.
30. Citibank Personal Loan
Citibank Philippines also offers a Personal Loan Application with an EMI Calculator (https://www.citibank.com.ph/loans/personal-loans/loan-calculator/) to determine monthly installments. Customers can apply for a Citi Personal Loan online with low interest rates and flexible repayment tenures. The applicable interest rates, fees, and charges for Citi Personal Loans can be found on their website. Additionally, Citibank Philippines offers home improvement loans with low-interest rates.
31. Cebuana Loan
Cebuana Lhuillier (www.cebuanalhuillier.com) is a financial services company in the Philippines that offers micro loans and micro savings accounts. Here are some details about their services:
Micro loans: Cebuana Lhuillier offers affordable micro loans with easy terms and less requirements. They have a network of more than 2,200 branches nationwide and an online presence that gives customers unlimited access and convenience in applying for a loan. Their microloan programs typically offer smaller amounts of money to borrowers, which makes them excellent solutions for urgent payments, such as hospital bills and vehicle repair fees. The interest rates for Cebuana Lhuillier microloans range from 4% to 10% per month, and borrowers are expected to repay the loaned amount within three to four months, depending on the loan they get:
Micro savings accounts: Cebuana Lhuillier Micro Savings is a regular savings account that doesn’t require maintaining balance. Account holders can deposit and withdraw anywhere at their most convenient time with Cebuana Lhuillier’s network of more than 2,500 branches. Filipino citizens as young as 7 years old are qualified to open a savings account, which can be considered as a “kids savings” or “junior savings” account in banks. The micro savings account can be used as a savings fund for your child’s future needs like tuition fee or payment for school materials. The interest rate per annum is 0.20%, and the minimum balance to earn interest is PHP 500.
Other services: Cebuana Lhuillier also offers other financial services such as pawning, pera padala (money transfer), microinsurance, and institutional services.
32. Pag-Ibig Fund
The website https://www.pagibigfund.gov.ph/ is the official website of the Pag-IBIG Fund, a government agency in the Philippines that provides affordable housing loans, short-term loans, and savings programs to its members. Here are some of the services and features available on the Pag-IBIG Fund website:
- Learn about your benefits as a Pag-IBIG Fund member.
- Access the Pag-IBIG Membership page to learn about the benefits and guarantees of being a member.
- Use the Virtual Pag-IBIG service to enjoy Pag-IBIG Fund services anytime, anywhere.
- Download the Virtual Pag-IBIG app on Google Play to view your Pag-IBIG records and apply for a multi-purpose loan.
- Workers who do not have a Pag-IBIG MID Number are advised to get one.
- The website provides information on how to pay your Pag-IBIG contributions online using various payment facilities.
- The website also provides a directory of overseas offices and partners.
- Members can contact Pag-IBIG Fund through email at contactus@pagibigfund.gov.ph.
33. Skyro Loan
Skyro Loan is a financial services company that provides personal loans in the Philippines. Here are some key points about Skyro:
- Skyro offers simple and secure cash loans with interest rates starting from 1.5%.
- Skyro was launched in 2022 to provide Filipinos with secure and effective access to a range of financial services. They charge no hidden fees or commissions and offer fair interest rates. They also have trained and helpful representatives who visit customers for free anywhere in Manila.
- Skyro is an affiliate company of Advanced Finance Solutions, Inc. and Jungle Lending, Inc.
- To apply for a loan with Skyro, you need to fill out an online form, schedule a meeting with a Skyro representative, and meet with them to sign the loan documents.
- Skyro’s official website is www.skyro.ph, and their app is available on the App Store, Play Store, or AppGallery. They aim to improve people’s lives by giving them access to powerful financial tools.
34. SSS Loan
The Social Security System (SSS) in the Philippines offers salary loans to employed members, currently-paying self-employed or voluntary members to meet their short-term credit needs. The loan amount is based on the member’s average monthly salary credit and can be amortized over a period of 24 months. The loan shall be charged an interest rate of 10% per annum based on diminishing principal balance.
To be eligible for a one-month loan, the member-borrower must have 36 posted monthly contributions, six of which should be within the last 12 months prior to the month of filing of application. For a two-month loan, the member-borrower must have 72 posted monthly contributions, six of which should be within the last 12 months prior to the month of filing of application. The loan can be applied for online via the SSS website (https://www.sss.gov.ph/sss/appmanager/viewArticle.jsp?page=sssloans) or at the branch nearest the place of residence or business. Payment can be made at any SSS branch with tellering facility, SSS-accredited bank, or SSS-authorized payment center.
If the loan is not fully paid at the end of the term, interest shall continue to be charged, as well as penalties, on the outstanding principal balance until fully paid. In case of default, the arrearages/unpaid loan shall be deducted from the member’s future long-term benefit claim (e.g. Retirement, total disability & death).