Get Quick Loans for Unemployed
If you’re looking for a quick loan for unemployed, browse the beneficial offers available around the clock on MoneyPanda. Interest rates from 37 microfinance organizations for loans up to to 50,000 peso are valid as of october 2025.
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 in the Philippines
|
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
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 didn’t expect to get approved so fast — less than 20 minutes and the money was in my bank account. Super helpful staff!
Rating:
4
Good
Rolando
29.05.2025
I applied during my lunch break because I really needed money to cover a medical bill, and I swear — it took less than 15 minutes to get approved.
Rating:
5
Great
Karlene
02.06.2025
When an unexpected expense hit, I didn’t know what to do. Thanks to this service, I had the funds in less than 10 minutes. A real lifesaver.
Rating:
5
Great
Teresa
18.09.2025
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
Loans for the Unemployed Filipino
Are you out of a job and in need of some quick cash? Loans for unemployed people are traditionally subject to rather strict application requirements—but not with MoneyPanda. Through our service, you can find immediate financing catered to your individual circumstances, allowing you to pay off debts and cover unexpected expenses even without a stable source of income. Explore the available offers to find quick loans for the unemployed in the Philippines.
Getting a Loan Without a Job
If you are looking to borrow money but don’t have a job, we highly recommend that you use a loan app for unemployed people rather than applying to a traditional financial institution. This is because loans from banks and government agencies usually require you to have a stable source of monthly income and have more stringent application processes.
Benefits of Using Loan Apps if You’re Unemployed
By using a loan app for unemployed people, you’ll be able to enjoy a range of benefits, including:
-
Less strict application requirements
-
Fast, fully online service
-
Transparent costs and low fees
-
Digital paper trail for simplified record-keeping
-
Opportunity to build credit score
How to Increase the Chances of Your Application Being Approved
When applying for an unemployment loan, there are several things you can provide to increase your chances of approval, including:
-
1
Collateral
— a high-value item pledged to secure the loan;
-
2
Employment history
— proof of previous employment and your capacity for work;
-
3
Guarantor
— an individual who is able and willing to pay your loan if you can’t.
Applying for a Loan on MoneyPanda
To apply for an unemployment loan on MoneyPanda, simply follow the steps below:
-
Choose an MFI. Compare our loan offers and find the one that suits your needs best.
-
Specify Loan Details. Enter the total loan amount and term for repayment to generate a quote.
-
Fill Out the Application. Complete your application, including your personal and financial details, and submit it along with any relevant documentation.
-
Wait for Approval. If it is accepted, you will receive a contract; read it over carefully and sign if you agree with the terms and conditions.
-
Receive the Funds. Once the contract has been signed, your loan will be transferred to your account.
FAQs
Do I need a bank account to get a quick loan if I’m unemployed?
Yes, you do. Most lenders need a bank account to send you the money. It also helps them see how you manage your finances, even if you're unemployed.
What are the requirements to apply for a loan without a job?
You’ll need a valid ID (like a driver’s license or passport), a bank account, and proof of any income, like freelance work, government support, or help from family. Lenders just want to know you can still repay the loan.
How fast can I receive the funds after applying?
Usually within the same day. Some lenders send the money within 15–30 minutes after approval, especially during business hours.
Can I apply for more than one loan at a time?
Yes, you can. But it might lower your chances of getting approved. Lenders want to see that you’re not taking on more than you can handle, so only apply if you are sure you can keep up with the payments.
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. |
