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 june 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
Amount1 000 – 20 000 ₱
Period7 – 180 days
Rate0,8%
Terms
Amount1 000 – 20 000 ₱
Period7 – 180 days
Rate
0,8%
Overpayment56 – 28 800 ₱
Borrower's age22 – 60 years
Effective rate288%
Advantages
Age from 22 years
Receive in a few minutes
Completely online
No proof of income
Update date: 22.03.2025 10:03
About the organization
Telephone(+632) 8541-2568
Address7/F Finman Center, 131 Tordesillas St., Makati City, Philippines
BrandMoneyCat Financing Inc.
Official websitehttps://www.moneycat.ph/
SupervisorJonathan Batangas
CashXpress
5.0
Amount1 000 – 20 000 ₱
Period7 – 90 days
Rate0,8%
Terms
Amount1 000 – 20 000 ₱
Period7 – 90 days
Rate
0,8%
Overpayment56 – 14 400 ₱
Borrower's age21 – 60 years
Effective rate292%
Advantages
Age from 21 года
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 11:42
About the organization
Telephone(+632) 8808-2274
AddressUnit 1402, 14/F Tower One & Exchange Plaza, Ayala Ave., Makati City, Philippines
BrandCashXpress Philippines Financing Inc.
Official websitehttps://cashxpress.ph/
SupervisorMichael Singh
Amount500 – 25 000 ₱
Period15 – 135 days
Rate—
Terms
Amount500 – 25 000 ₱
Period15 – 135 days
Borrower's age18 – 65 years
Effective ratefrom 0,1%
Advantages
Age from 18 years
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 13:18
About the organization
Address18A Trafalgar Plaza, 105 H.V. Dela Costa Street, Salcedo Village, the Philippines
BrandKviku Lending Co. INC
Official websitehttps://kviku.ph/
LicenseSEC Registration No. CS201918702 Certificate of Authority No. 3169NPC Registration No. PIC-001-791-2021
Finbro
5.0
Amount1 000 – 50 000 ₱
Perioduntil 365 days
Rate0,2%
Terms
Amount1 000 – 50 000 ₱
Perioduntil 365 days
Rate
0,2%
Overpaymentto 36 500 ₱
Borrower's age20 – 70 years
Effective rate0,2%
Advantages
Age from 20 years
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 13:53
About the organization
Telephonesmart (09624092454), globe (09176200773)
AddressUnit 1405 Philippine Stock Exchange Tektite San Antonio, Pasig
BrandSofi Lending Inc.
Official websitehttps://www.finbro.ph/
Amount500 – 25 000 ₱
Period91 – 180 days
Rateto 1,17%
Terms
Amount500 – 25 000 ₱
Period91 – 180 days
Rate
to 1,17%
Overpaymentto 52 650 ₱
Borrower's age22 – 55 years
Effective rateto 427%
Advantages
Age from 22 years
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 14:05
About the organization
Address10F IBP TowerJulia Vargas Ave. & Jade Dr.Ortigas Center, San Antonio Pasig City, 1605 Metro Manila, Philippines
BrandSIA JEFF
Official websitehttps://www.finmerkado.ph/
License43603085405
Finloo
5.0
Amount1 000 – 25 000 ₱
Perioduntil 30 days
Ratefrom 0,1%
Terms
Amount1 000 – 25 000 ₱
Perioduntil 30 days
Rate
from 0,1%
Borrower's age18 – 65 years
Effective ratefrom 0,1%
Advantages
Age from 18 years
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 14:24
About the organization
AddressBorshagivska 144, Kyiv, 03056, Ukraine
BrandIP(individual proprietor) Anton Olefir
Official websitehttps://finloo.ph/
SupervisorAnton Olefir
Finpug
4.0
Amount1 000 – 25 000 ₱
Period61 – 365 days
Rateto 0,1%
Terms
Amount1 000 – 25 000 ₱
Period61 – 365 days
Rate
to 0,1%
Overpaymentto 9 125 ₱
Effective rateto 36%
Advantages
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 14:33
About the organization
Address0018, Armenia, Yerevan city, Movses Xorenaci st. 26A
BrandLivornica AM LLC
Official websitehttps://finpug.ph/
Credy
4.0
Amount1 000 – 25 000 ₱
Period61 – 120 days
Rateto 0,39%
Terms
Amount1 000 – 25 000 ₱
Period61 – 120 days
Rate
to 0,39%
Overpaymentto 11 700 ₱
Borrower's age18 – 70 years
Effective rateto 143%
Advantages
Age from 18 years
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 14:58
About the organization
AddressTraffic Control OÜ, Laeva 2, 10111,Tallinn, Estonia
BrandTraffic Control OÜ
Official websitehttps://www.credy.ph/
License11501857
Amount500 – 25 000 ₱
Period61 – 120 days
Rateto 0,1%
Terms
Amount500 – 25 000 ₱
Period61 – 120 days
Rate
to 0,1%
Overpaymentto 3 000 ₱
Borrower's agefrom 18 years
Effective rateto 36%
Advantages
Age from 18 years
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 15:10
About the organization
AddressPaadi tee 3, Haabneeme, 74001 Harju maakond, Estonia
BrandFininity Ltd
Official websitehttps://cashspace.ph/
License14523902
Zaimoo
5.0
Amount1 000 – 25 000 ₱
Perioduntil 180 days
Rate0,03 – 1%
Terms
Amount1 000 – 25 000 ₱
Perioduntil 180 days
Rate
0,03 – 1%
Overpaymentto 45 000 ₱
Borrower's age22 – 65 years
Effective rate11,9 – 365%
Advantages
Age from 22 years
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 15:24
About the organization
AddressArmenia, Yerevan, Komitas ave. 51/1-14
BrandDensure LLC
Official websitehttps://zaimoo.ph/
License8217974
Amount500 – 25 000 ₱
Period91 – 1 470 days
Rate0,08 – 1%
Terms
Amount500 – 25 000 ₱
Period91 – 1 470 days
Rate
0,08 – 1%
Overpayment36 – 367 500 ₱
Borrower's age21 – 65 years
Effective rate30 – 365%
Advantages
Age from 21 года
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 15:51
About the organization
Telephone44 (131) 608-05-01
AddressLetonia, Riga, Krisjana Valdemara calle, 33 – 7, LV-1010
BrandSIA ROKSORE
Official websitehttps://old.mazilla.ph/
Finapps
4.0
Amount1 000 – 25 000 ₱
Perioduntil 30 days
Ratefrom 0,1%
Terms
Amount1 000 – 25 000 ₱
Perioduntil 30 days
Rate
from 0,1%
Borrower's age20 – 70 years
Effective rate12 – 36%
Advantages
Age from 20 years
Receive in a few minutes
Completely online
No proof of income
Update date: 21.04.2025 11:33
About the organization
BrandIndividual entrepreneur Oleksandr Tarasiuk
Official websitehttps://finapps.ph/
SupervisorOleksandr Tarasiuk
Updated 12.05.2025, 07:47
Offer rating
4.6
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
Finbro
5.0
Amount1 000 – 50 000 ₱
Perioduntil 365 days
Rate0,2%
Terms
Amount1 000 – 50 000 ₱
Perioduntil 365 days
Rate
0,2%
Overpaymentto 36 500 ₱
Borrower's age20 – 70 years
Effective rate0,2%
Advantages
Age from 20 years
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 13:53
About the organization
Telephonesmart (09624092454), globe (09176200773)
AddressUnit 1405 Philippine Stock Exchange Tektite San Antonio, Pasig
BrandSofi Lending Inc.
Official websitehttps://www.finbro.ph/
Zaimoo
5.0
Amount1 000 – 25 000 ₱
Perioduntil 180 days
Rate0,03 – 1%
Terms
Amount1 000 – 25 000 ₱
Perioduntil 180 days
Rate
0,03 – 1%
Overpaymentto 45 000 ₱
Borrower's age22 – 65 years
Effective rate11,9 – 365%
Advantages
Age from 22 years
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 15:24
About the organization
AddressArmenia, Yerevan, Komitas ave. 51/1-14
BrandDensure LLC
Official websitehttps://zaimoo.ph/
License8217974
CashXpress
5.0
Amount1 000 – 20 000 ₱
Period7 – 90 days
Rate0,8%
Terms
Amount1 000 – 20 000 ₱
Period7 – 90 days
Rate
0,8%
Overpayment56 – 14 400 ₱
Borrower's age21 – 60 years
Effective rate292%
Advantages
Age from 21 года
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 11:42
About the organization
Telephone(+632) 8808-2274
AddressUnit 1402, 14/F Tower One & Exchange Plaza, Ayala Ave., Makati City, Philippines
BrandCashXpress Philippines Financing Inc.
Official websitehttps://cashxpress.ph/
SupervisorMichael Singh
Online loan calculator
PHP
days
Payment0 ₱
Overpayment0 ₱
Top 10 Microfinance Institutions
| MFI | Effective rate | Period | Amount |
|
—
|
15 – 135 days
|
500 – 25 000 ₱
|
|
|
from 0,1%
|
until 30 days
|
1 000 – 25 000 ₱
|
|
|
from 0,1%
|
until 30 days
|
1 000 – 25 000 ₱
|
|
|
to 0,1%
|
61 – 365 days
|
1 000 – 25 000 ₱
|
|
|
to 0,1%
|
61 – 120 days
|
500 – 25 000 ₱
|
|
|
0,2%
|
until 365 days
|
1 000 – 50 000 ₱
|
|
|
to 0,39%
|
61 – 120 days
|
1 000 – 25 000 ₱
|
|
|
0,8%
|
7 – 180 days
|
1 000 – 20 000 ₱
|
|
|
0,8%
|
7 – 90 days
|
1 000 – 20 000 ₱
|
|
|
0,03 – 1%
|
until 180 days
|
1 000 – 25 000 ₱
|
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:5Great
Romel21.05.2025
I didn’t expect to get approved so fast — less than 20 minutes and the money was in my bank account. Super helpful staff!
Rating:4Good
Rolando29.05.2025
Everything was online, super easy to follow, and their support team even messaged me right away when I had a question.
Rating:5Great
Noel Caraca22.05.2025
The interest was fair and the repayment terms were clear. I felt safe the whole time and would definitely use this again if needed
Rating:4Good
Arnold23.05.2025
MFIs to Apply For
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to 25 000 ₱At a rate from 0%
-
to 25 000 ₱At a rate from 0,1%
-
to 25 000 ₱At a rate from 0,1%
-
to 25 000 ₱At a rate from 0%
-
to 25 000 ₱At a rate from 0%
-
to 50 000 ₱At a rate from 0,2%
-
to 25 000 ₱At a rate from 0%
-
to 20 000 ₱At a rate from 0,8%
-
to 20 000 ₱At a rate from 0,8%
-
to 25 000 ₱At a rate from 0,03%
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:
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Compare and select an MFI after reviewing the general terms.
-
Enter 20,000 PHP as your loan amount and specify your desired repayment terms.
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Provide all the details necessary for the application process.
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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 7 to 1 470 days |
| 🟢 Amount: | 500 – 50 000 ₱ |
| 🟢 Number of offers: | 12 pcs. |