Top Loan Apps in the Philippines – Borrow Money Instantly
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- rate from 0% new clients can get a loan at 0% for the first 15 days, up to 20 000 ₱
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Online loan calculator
Top 10 Microfinance Institutions in the Philippines
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MFI
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Effective rate
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Period
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Amount
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Finloo
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from 0,1%
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until 30 days
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1 000 – 25 000 ₱
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Kviku
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0,03 – 0,1%
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15 – 135 days
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500 – 25 000 ₱
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Finpug
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0,1%
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61 – 365 days
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1 000 – 25 000 ₱
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Cashspace
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0,1%
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61 – 120 days
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500 – 25 000 ₱
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Crezu
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0,03 – 0,1%
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61 – 120 days
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500 – 25 000 ₱
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Finbro
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0,2%
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90 – 365 days
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1 000 – 50 000 ₱
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Credy
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0,1 – 0,39%
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61 – 120 days
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1 000 – 25 000 ₱
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Digido
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0,49%
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7 – 180 days
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1 000 – 25 000 ₱
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MoneyCat
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0,8%
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7 – 180 days
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1 000 – 20 000 ₱
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CashXpress
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0,8%
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7 – 90 days
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1 000 – 20 000 ₱
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Reviews
MFIs to Apply For
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Finlooto 25 000 ₱At a rate from 0,1%
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Kvikuto 25 000 ₱At a rate from 0,03%
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Finpugto 25 000 ₱At a rate from 0,1%
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Cashspaceto 25 000 ₱At a rate from 0,1%
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Crezuto 25 000 ₱At a rate from 0,03%
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Finappsto 25 000 ₱At a rate from 0,1%
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Finbroto 50 000 ₱At a rate from 0,2%
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Credyto 25 000 ₱At a rate from 0,1%
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Digidoto 25 000 ₱At a rate from 0,49%
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MoneyCatto 20 000 ₱At a rate from 0,8%
Expert's opinion
Loan Experts
Why Choose a Loan App for Quick Cash
The key feature of instant loans is that you can get the money as soon as possible. When you need cash urgently, you simply don’t have time to go to a bank, apply for a loan, and then wait for at least several days to get their approval (which isn’t even guaranteed). If you choose a microfinance institution (MFI), the loan might be approved within hours, but visiting the company’s website or office can still be a hassle.
As for loan apps, they are always accessible. You can use them anytime, anywhere. This is truly the best option if money is needed urgently.
How Loan Apps Work: Fast and Convenient Borrowing
Money lending apps are just like other mobile applications: you simply download them on your smartphone, log in, and you can get access to your instant loan. Nowadays, most MFIs in the Philippines have their own branded apps, and they slightly differ in terms of interface and navigation.
The main features are very similar:
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Private area with your personal data, ID scans, and bank card numbers;
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Company’s offers (types of loans, interest rates, terms, eligibility requirements, promotions);
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List of your loans with corresponding payment deadlines and other financial details;
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Loan management options (here you can make an online payment or extend your loan);
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Notifications and reminders to keep you updated on payments and exclusive offers.
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Customer support where you can get an online consultation on your loans or if a technical error occurs.
Key Benefits of Using an Online Loan App
Instant loan apps have numerous advantages:
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Accessibility. A mobile device is something that everyone always has with them. Unlike your home laptop or your office computer, this is the only gadget that can be used to apply for a loan urgently.
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Privacy. You don’t need to worry that your family members or colleagues will find out that you have become an MFI’s client. All your loan details stay safe on your personal device, so only you can access them.
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User-friendliness. Credit cash loan apps are intuitive and easy-to-navigate. They offer a much more enjoyable user experience than mobile versions of standard MFIs’ websites.
Besides, such applications are like one-stop services: you don’t need to use different means to interact with the company (like making calls, browsing websites, or visiting offices). All loan-related operations (from the first application to the final repayment) can be done through a single app.
How to Apply on MoneyPanda
Our platform offers the most reliable loan companies for the Filipino people. Here you will find not only various instant loans on advantageous terms but also dozens of safe and user-friendly money loan apps to suit any taste.
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1
Select the Best MFI for You.
Compare our Top Loan Offers on MoneyPanda.
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2
Specify Loan Details
Enter the total loan amount and term for repayment to get a personalized quote.
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3
Fill Out the Application
Provide your personal and financial details to complete your loan request.
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4
Wait for Approval
Once approved, you’ll receive your loan contract.
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5
Get Your Funds
After signing the contract, your loan amount will be transferred directly to your account.
Eligibility Requirements for an Online Loan Application
Loan apps are just one of the ways to apply with MFIs, so the eligibility requirements here are the same as for those who apply via a company’s website or at their office. As a rule, you must be at least 18 years old (and preferably not older than 60 or 70, depending on the company). Most MFIs don’t pay much attention to your official occupation, credit history, or income when approving instant loans.
Cash Loan Disbursement Options
It’s only up to you how you will receive the loan amount. Normally, all the following options are available:
- Bank transfer
- GCash and E-wallets
- Cash Pick-Up
- Payment centers.
You will only need to set your preferred disbursement method once, and all the relevant information will be stored in the app. You can update your credit number at any time, or even select a different payment option if you desire so.
FAQs About Using a Fast Loan App
How quickly can I get approved through a cash loan app?
Most applications are reviewed within an hour, but in many cases, approval comes even faster, often within just 15 to 20 minutes.
Is it safe to apply for a loan using an online easy loan app in the Philippines?
Yes, it is. Each loan app requires log-in and authentication procedures to ensure safe access and personal data protection. Various security measures can be employed: passwords, biometric data (fingerprints or face scans), two-factor authentication, etc.
What is the maximum loan amount available via a cash loan app?
Most MFIs in the Philippines are ready to approve a loan up to PHP 150,000. In some cases the maximum amount can be even higher but additional requirements may apply to borrowers depending on the lender.
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: | 14 pcs. |
