Get Interest-Free Quick Loans in the Philippines Today

What if we told you that you could borrow money without paying any fees? With our help at MoneyPanda, you could get your cash fast, too! If you want to borrow for free, we’ve partnered with 37 microfinance institutions that can approve you for up to to 50,000 peso. Check out these interest-free quick loans, valid as of june 2025.
4 offers
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Verified by expert
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
    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/
    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
    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

    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
    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

    Payment0 ₱
    Overpayment0 ₱

    Top 10 Microfinance Institutions

    MFI Effective rate Period Amount
    to 0,1%
    61 – 365 days
    1 000 – 25 000 ₱
    to 0,1%
    61 – 120 days
    500 – 25 000 ₱
    to 0,39%
    61 – 120 days
    1 000 – 25 000 ₱
    to 1,17%
    91 – 180 days
    500 – 25 000 ₱

    Reviews

    I didn’t expect to get approved so fast — less than 20 minutes and the money was in my bank account. Super helpful staff!
    Logo
    Rating:4Good
    Rolando29.05.2025
    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.
    Logo
    Rating:4Good
    Lorna15.05.2025
    I needed cash for my daughter’s school fees, and this service really came through. Everything was smooth and easy, even for someone who isn’t tech-savvy.
    Logo
    Rating:5Great
    Nouvem27.05.2025
    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.
    Logo
    Rating:5Great
    Romel21.05.2025

    MFIs to Apply For

    • 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.
    Read more
    Grace Gonzalez

    So, What’s the Deal with Interest-Free Fast Loans?

    These are no-frills, straight-shooting options for when you need cash right away. What sets them apart isn’t just the lack of interest charges, but how they’re built for speed and simplicity.

    Think lean application flows and approval systems that don’t second-guess your urgency. But make sure to bring a magnifying glass to read the fine print! The free part of these interest-free online loans may not be around for as long as you think.

     

    Can These Offers Really Work for You?

    Definitely! Even if the interest-free element only applies for a limited time, it gives you a chance to pay back the cash without incurring any fees. Plus, just like all the curated offers on MoneyPanda, interest-free cash loans online are approved right away.

    How to Score One of MoneyPanda’s Competitive Interest-Free Loans?

    True to our promise of instant approval, you can get interest-free quick loans here by:

    1. Choose an MFI. Compare our loan offers and find the one that suits your needs best.

    2. Specify Loan Details. Enter the total loan amount and term for repayment to generate a quote.

    3. Fill Out the Application. Complete your application, including your personal and financial details, and submit it along with any relevant documentation.

    4. 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.

    5. Receive the Funds. Once the contract has been signed, your loan will be transferred to your account.

    FAQs

    Who can apply for an interest-free quick loan?

    Interest-free quick loans are usually offered to first-time borrowers or during special promos. You’ll just need to meet basic requirements like a valid ID and proof of income to apply.

    Can I get an interest-free quick loan with bad credit?

    Yes, it’s possible. Some lenders offer interest-free loans to first-time borrowers, even if you have bad credit, as long as you meet their basic requirements.

    How fast can I get an interest-free quick loan?

    If you meet the requirements and apply during a promo, you could get an interest-free quick loan within a few hours. Some lenders are faster than others, so it depends on their process and how soon you complete your application.

    What happens if I miss the repayment deadline?

    If you miss your repayment deadline, expect some late fees or added charges. It could also affect your chances to borrow money next time. 

    The Best Loan Deals

    🟢 Rate: to 1,17%
    🟢 Period: from 61 to 365 days
    🟢 Amount: 500 – 25 000 ₱
    🟢 Number of offers: 4 pcs.