Get a Quick Loan of ₱20,000
Do you need a fast loan of 20,000 pesos? Check the offers available 24/7 through MoneyPanda. For october 2025, you can get loans from 37 MFIs and borrow up to to 50,000 peso. Evaluate your options and secure the funding you need in no time.
days
MoneyCat
5.0
Amount
1 000 – 20 000 ₱
Period
7 – 180 days
Rate
0,8%
Terms
Amount
1 000 – 20 000 ₱
Period
7 – 180 days
Rate
0,8%
Overpayment
56 – 28 800 ₱
Borrower's age
22 – 60 years
APR
288%
Advantages
Update date: 09.10.2025 21:22
About the organization
Telephone
(+632) 8541-2568
Address
7/F Finman Center, 131 Tordesillas St., Makati City, Philippines
Brand
MoneyCat Financing Inc.
Official website
https://www.moneycat.ph/
Supervisor
Jonathan Batangas
Amount
1 000 – 25 000 ₱
Period
7 – 180 days
Rate
0,49%
Terms
Amount
1 000 – 25 000 ₱
Period
7 – 180 days
Rate
0,49%
Overpayment
34 – 22 050 ₱
Borrower's age
21 – 70 years
APR
178,85%
Advantages
Update date: 22.03.2025 18:06
About the organization
Telephone
(+632) 8787-0707
Address
Unit 2A, 2/F High Pointe Centre, 128 Congressional Ave., Quezon City, Philippines
Brand
Digido Finance Corp.
Official website
https://digido.ph/
Supervisor
Sergey Ivanov
CashXpress
5.0
Amount
1 000 – 20 000 ₱
Period
7 – 90 days
Rate
0,8%
Terms
Amount
1 000 – 20 000 ₱
Period
7 – 90 days
Rate
0,8%
Overpayment
56 – 14 400 ₱
Borrower's age
21 – 60 years
APR
292%
Advantages
Update date: 09.10.2025 21:20
About the organization
Telephone
(+632) 8808-2274
Address
Unit 1402, 14/F Tower One & Exchange Plaza, Ayala Ave., Makati City, Philippines
Brand
CashXpress Philippines Financing Inc.
Official website
https://cashxpress.ph/
Supervisor
Michael Singh
Kviku
5.0
Amount
500 – 25 000 ₱
Period
15 – 135 days
Rate
0,03 – 0,1%
Terms
Amount
500 – 25 000 ₱
Period
15 – 135 days
Rate
0,03 – 0,1%
- rate from 0% new clients can get a loan at 0% for the first 15 days, up to 20 000 ₱
Overpayment
2 – 3 375 ₱
Borrower's age
18 – 65 years
APR
from 0,1%
Advantages
Update date: 09.10.2025 21:22
About the organization
Address
18A Trafalgar Plaza, 105 H.V. Dela Costa Street, Salcedo Village, the Philippines
Brand
Kviku Lending Co. INC
Official website
https://kviku.ph/
License
SEC Registration No. CS201918702 Certificate of Authority No. 3169NPC Registration No. PIC-001-791-2021
Finbro
5.0
Amount
1 000 – 50 000 ₱
Period
90 – 365 days
Rate
0,2%
Terms
Amount
1 000 – 50 000 ₱
Period
90 – 365 days
Rate
0,2%
Overpayment
180 – 36 500 ₱
Borrower's age
20 – 70 years
APR
0,2%
Advantages
Update date: 09.10.2025 21:27
About the organization
Telephone
smart (09624092454), globe (09176200773)
Address
Unit 1405 Philippine Stock Exchange Tektite San Antonio, Pasig
Brand
Sofi Lending Inc.
Official website
https://www.finbro.ph/
Finmercado
5.0
Amount
500 – 25 000 ₱
Period
91 – 180 days
Rate
0,1 – 1,17%
Terms
Amount
500 – 25 000 ₱
Period
91 – 180 days
Rate
0,1 – 1,17%
Overpayment
46 – 52 650 ₱
Borrower's age
22 – 55 years
APR
to 427%
Advantages
Update date: 09.10.2025 21:17
About the organization
Address
10F IBP TowerJulia Vargas Ave. & Jade Dr.Ortigas Center, San Antonio Pasig City, 1605 Metro Manila, Philippines
Brand
SIA JEFF
Official website
https://www.finmerkado.ph/
License
43603085405
Finloo
5.0
Amount
1 000 – 25 000 ₱
Period
until 30 days
Rate
from 0,1%
Terms
Amount
1 000 – 25 000 ₱
Period
until 30 days
Rate
from 0,1%
Borrower's age
18 – 65 years
APR
from 0,1%
Advantages
Update date: 10.04.2025 22:24
About the organization
Address
Borshagivska 144, Kyiv, 03056, Ukraine
Brand
IP(individual proprietor) Anton Olefir
Official website
https://finloo.ph/
Supervisor
Anton Olefir
Finpug
4.0
Top Rated by Users
Amount
1 000 – 25 000 ₱
Period
61 – 365 days
Rate
0,1%
Terms
Amount
1 000 – 25 000 ₱
Period
61 – 365 days
Rate
0,1%
Overpayment
61 – 9 125 ₱
APR
to 36%
Advantages
Update date: 09.10.2025 21:02
About the organization
Address
0018, Armenia, Yerevan city, Movses Xorenaci st. 26A
Brand
Livornica AM LLC
Official website
https://finpug.ph/
Credy
4.0
Amount
1 000 – 25 000 ₱
Period
61 – 120 days
Rate
0,1 – 0,39%
Terms
Amount
1 000 – 25 000 ₱
Period
61 – 120 days
Rate
0,1 – 0,39%
Overpayment
61 – 11 700 ₱
Borrower's age
18 – 70 years
APR
to 143%
Advantages
Update date: 09.10.2025 21:34
About the organization
Address
Traffic Control OÜ, Laeva 2, 10111,Tallinn, Estonia
Brand
Traffic Control OÜ
Official website
https://www.credy.ph/
License
11501857
Cashspace
5.0
Highest Approval Rate
Amount
500 – 25 000 ₱
Period
61 – 120 days
Rate
0,1%
Terms
Amount
500 – 25 000 ₱
Period
61 – 120 days
Rate
0,1%
Overpayment
31 – 3 000 ₱
Borrower's age
from 18 years
APR
to 36%
Advantages
Update date: 09.10.2025 21:34
About the organization
Address
Paadi tee 3, Haabneeme, 74001 Harju maakond, Estonia
Brand
Fininity Ltd
Official website
https://cashspace.ph/
License
14523902
Zaimoo
5.0
Amount
1 000 – 25 000 ₱
Period
61 – 180 days
Rate
0,03 – 1%
Terms
Amount
1 000 – 25 000 ₱
Period
61 – 180 days
Rate
0,03 – 1%
Overpayment
18 – 45 000 ₱
Borrower's age
22 – 65 years
APR
11,9 – 365%
Advantages
Update date: 09.10.2025 21:09
About the organization
Address
Armenia, Yerevan, Komitas ave. 51/1-14
Brand
Densure LLC
Official website
https://zaimoo.ph/
License
8217974
Loanonline
5.0
Amount
500 – 25 000 ₱
Period
90 – 365 days
Rate
0,1 – 1,17%
Terms
Amount
500 – 25 000 ₱
Period
90 – 365 days
Rate
0,1 – 1,17%
Overpayment
45 – 106 763 ₱
Borrower's age
20 – 55 years
APR
to 427%
Advantages
Update date: 09.10.2025 21:14
About the organization
Telephone
63 908 782 0559
Address
IBP Tower, Ortigas CenterDona Julia Vargas Ave. and Jade Drive San Antonio City of Pasig, 2nd District,Philippines
Brand
SIA JEFF
Official website
https://www.loanonline.ph/
License
43603085405
Crezu
5.0
Instant Payout
Amount
500 – 25 000 ₱
Period
61 – 120 days
Rate
0,03 – 0,1%
Terms
Amount
500 – 25 000 ₱
Period
61 – 120 days
Rate
0,03 – 0,1%
Overpayment
9 – 3 000 ₱
Borrower's age
21 – 65 years
APR
12 – 36%
Advantages
Update date: 09.10.2025 20:59
About the organization
Address
Tartu Street 84a, Tallinn, 10112, EE.
Brand
Fininity Ltd
Official website
https://crezu.ph/
License
14523902
Mazilla
5.0
Amount
500 – 25 000 ₱
Period
91 – 1 470 days
Rate
0,08 – 1%
Terms
Amount
500 – 25 000 ₱
Period
91 – 1 470 days
Rate
0,08 – 1%
Overpayment
36 – 367 500 ₱
Borrower's age
21 – 65 years
APR
30 – 365%
Advantages
Update date: 09.10.2025 21:04
About the organization
Telephone
44 (131) 608-05-01
Address
Letonia, Riga, Krisjana Valdemara calle, 33 – 7, LV-1010
Brand
SIA ROKSORE
Official website
https://old.mazilla.ph/
Finapps
4.0
Amount
1 000 – 25 000 ₱
Period
1 – 30 days
Rate
0,1%
Terms
Amount
1 000 – 25 000 ₱
Period
1 – 30 days
Rate
0,1%
Overpayment
1 – 750 ₱
Borrower's age
20 – 70 years
APR
12 – 36%
Advantages
Update date: 09.10.2025 21:25
About the organization
Brand
Individual entrepreneur Oleksandr Tarasiuk
Official website
https://finapps.ph/
Supervisor
Oleksandr Tarasiuk
Updated 17.09.2025, 09:12
Offer rating
4.76
The Moneypanda website provides free information on rates and terms of quick loans in the Philippines. The data was provided by microfinance institutions or obtained from public sources. Please check the terms of the products at the MFI branches or by calling the help desk.
Offers of the month
Loanonline
5.0
Amount
500 – 25 000 ₱
Period
90 – 365 days
Rate
0,1 – 1,17%
Terms
Amount
500 – 25 000 ₱
Period
90 – 365 days
Rate
0,1 – 1,17%
Overpayment
45 – 106 763 ₱
Borrower's age
20 – 55 years
APR
to 427%
Advantages
Update date: 09.10.2025 21:14
About the organization
Telephone
63 908 782 0559
Address
IBP Tower, Ortigas CenterDona Julia Vargas Ave. and Jade Drive San Antonio City of Pasig, 2nd District,Philippines
Brand
SIA JEFF
Official website
https://www.loanonline.ph/
License
43603085405
Finbro
5.0
Amount
1 000 – 50 000 ₱
Period
90 – 365 days
Rate
0,2%
Terms
Amount
1 000 – 50 000 ₱
Period
90 – 365 days
Rate
0,2%
Overpayment
180 – 36 500 ₱
Borrower's age
20 – 70 years
APR
0,2%
Advantages
Update date: 09.10.2025 21:27
About the organization
Telephone
smart (09624092454), globe (09176200773)
Address
Unit 1405 Philippine Stock Exchange Tektite San Antonio, Pasig
Brand
Sofi Lending Inc.
Official website
https://www.finbro.ph/
Zaimoo
5.0
Amount
1 000 – 25 000 ₱
Period
61 – 180 days
Rate
0,03 – 1%
Terms
Amount
1 000 – 25 000 ₱
Period
61 – 180 days
Rate
0,03 – 1%
Overpayment
18 – 45 000 ₱
Borrower's age
22 – 65 years
APR
11,9 – 365%
Advantages
Update date: 09.10.2025 21:09
About the organization
Address
Armenia, Yerevan, Komitas ave. 51/1-14
Brand
Densure LLC
Official website
https://zaimoo.ph/
License
8217974
CashXpress
5.0
Amount
1 000 – 20 000 ₱
Period
7 – 90 days
Rate
0,8%
Terms
Amount
1 000 – 20 000 ₱
Period
7 – 90 days
Rate
0,8%
Overpayment
56 – 14 400 ₱
Borrower's age
21 – 60 years
APR
292%
Advantages
Update date: 09.10.2025 21:20
About the organization
Telephone
(+632) 8808-2274
Address
Unit 1402, 14/F Tower One & Exchange Plaza, Ayala Ave., Makati City, Philippines
Brand
CashXpress Philippines Financing Inc.
Official website
https://cashxpress.ph/
Supervisor
Michael Singh
Online loan calculator
PHP
days
Payment
0 ₱
Overpayment
0 ₱
Top 10 Microfinance Institutions
|
MFI
|
Effective rate
|
Period
|
Amount
|
|
Finloo
|
from 0,1%
|
until 30 days
|
1 000 – 25 000 ₱
|
|
Kviku
|
0,03 – 0,1%
|
15 – 135 days
|
500 – 25 000 ₱
|
|
Finpug
|
0,1%
|
61 – 365 days
|
1 000 – 25 000 ₱
|
|
Cashspace
|
0,1%
|
61 – 120 days
|
500 – 25 000 ₱
|
|
Crezu
|
0,03 – 0,1%
|
61 – 120 days
|
500 – 25 000 ₱
|
|
Finapps
|
0,1%
|
1 – 30 days
|
1 000 – 25 000 ₱
|
|
Finbro
|
0,2%
|
90 – 365 days
|
1 000 – 50 000 ₱
|
|
Credy
|
0,1 – 0,39%
|
61 – 120 days
|
1 000 – 25 000 ₱
|
|
Digido
|
0,49%
|
7 – 180 days
|
1 000 – 25 000 ₱
|
|
MoneyCat
|
0,8%
|
7 – 180 days
|
1 000 – 20 000 ₱
|
Reviews
The process was very straightforward and efficient. I received a call right after submitting the form, and they guided me through each step. Within the same day, the money was disbursed to my GCash account.
Rating:
5
Great
Romel
21.05.2025
Everything was online, super easy to follow, and their support team even messaged me right away when I had a question.
Rating:
5
Great
Noel Caraca
22.05.2025
I was nervous to take my first loan, but they made it easy. The support team explained everything and I got approved instantly.
Rating:
5
Great
Antonio
05.10.2025
I tried getting an online loan for the first time and it actually worked out great. Whole thing took less than 15 minutes and the money was in my account same day.
Rating:
4
Good
Lorna
15.05.2025
MFIs to Apply For
-
Finlooto 25 000 ₱At a rate from 0,1%
-
Kvikuto 25 000 ₱At a rate from 0,03%
-
Finpugto 25 000 ₱At a rate from 0,1%
-
Cashspaceto 25 000 ₱At a rate from 0,1%
-
Crezuto 25 000 ₱At a rate from 0,03%
-
Finappsto 25 000 ₱At a rate from 0,1%
-
Finbroto 50 000 ₱At a rate from 0,2%
-
Credyto 25 000 ₱At a rate from 0,1%
-
Digidoto 25 000 ₱At a rate from 0,49%
-
MoneyCatto 20 000 ₱At a rate from 0,8%
Expert's opinion
Taking out a quick loan might seem like a fast and easy way to cover urgent expenses, but it comes with real responsibilities. Before you agree to anything, read the fine print.
Missing payments can lead to penalties, higher total debt, and, in some cases, daily charges that add up fast. Pay close attention—overlooking these details can cost you a lot.
Grace Gonzalez
Loan Experts
Fast 20k Loan in the Philippines: What Are Its Features?
The MFI decides the conditions and features of the loan. Generally, here is what you can expect:
- Fast approval. If approved, expect a loan offer right away.
- Fixed loan amount. You need to borrow a fixed amount, not treat it as a line of credit where you can draw only the funds that you need.
- Flexible disbursement. You may be able to get your loan amount straight to your bank account or your e-wallet or through Bayad centers.
What Checks Do You Need to Complete to Get a Short-Term Loan for 20k Pesos?
As part of processing your loan application, be prepared to have the following verified
-
Identity. Most loans in the Philippines are only for Filipinos and Filipino residents of legal age.
-
Income. The amount that you’re borrowing should be reasonable based on your income.
-
Credit. Some lenders look at your credit score or history as the basis of your approval or interest rate.
Additional checks may be required depending on the lender’s evaluation of your application. They may also ask for additional documents to support their verification process.
How to Increase the Likelihood of a Positive Decision?
You can improve your odds of securing a short term loan for 20k pesos by:
Having a good credit history. If you’ve diligently paid back loans in the past (even if it’s just from ShopeePay!), that will work in your favor.
Showing your financial capability to pay. Having a steady job or sufficient funds in your bank account is the most common way to do this. Alternatively, you could use a guarantor who would take on the debt if you can’t make the repayments.
Providing collateral. Securing your loan with collateral limits the risk for the MFI, which means a higher chance of approval.
How to Apply for a 20,000 PHP Quick Loan?
Follow these steps to apply for your loan on MoneyPanda:
-
Compare and select an MFI after reviewing the general terms.
-
Enter 20,000 PHP as your loan amount and specify your desired repayment terms.
-
Provide all the details necessary for the application process.
-
Wait for the MFI to evaluate your application.
-
Review the loan terms and get the funds.
The Best Loan Deals
| 🟢 Rate: | from 0,03 to 1,17% |
| 🟢 Period: | from 1 to 1 470 days |
| 🟢 Amount: | 500 – 50 000 ₱ |
| 🟢 Number of offers: | 15 pcs. |
