Get a Quick Loan with Arrears in the Philippines
Did you unintentionally burn a lender before? It’s not the end of the world! A lot of microfinance institutions are happy to give you a second chance. In fact, right now, there are a total of 37 that may approve you for as much as to 50,000 peso! Check out these fast loans with arrears, valid as of july 2025.
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 ₱
Period90 – 365 days
Rateto 1,17%
Terms
Amount500 – 25 000 ₱
Period90 – 365 days
Rate
to 1,17%
Overpaymentto 106 763 ₱
Borrower's age20 – 55 years
Effective rateto 427%
Advantages
Age from 20 years
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 15:33
About the organization
Telephone63 908 782 0559
AddressIBP Tower, Ortigas CenterDona Julia Vargas Ave. and Jade Drive San Antonio City of Pasig, 2nd District,Philippines
BrandSIA JEFF
Official websitehttps://www.loanonline.ph/
License43603085405
Amount500 – 25 000 ₱
Period61 – 120 days
Rate0,03 – 0,1%
Terms
Amount500 – 25 000 ₱
Period61 – 120 days
Rate
0,03 – 0,1%
Overpayment9 – 3 000 ₱
Borrower's age21 – 65 years
Effective rate12 – 36%
Advantages
Age from 21 года
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 15:44
About the organization
AddressTartu Street 84a, Tallinn, 10112, EE.
BrandFininity Ltd
Official websitehttps://crezu.ph/
License14523902
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 10.07.2025, 11:21
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
Amount500 – 25 000 ₱
Period90 – 365 days
Rateto 1,17%
Terms
Amount500 – 25 000 ₱
Period90 – 365 days
Rate
to 1,17%
Overpaymentto 106 763 ₱
Borrower's age20 – 55 years
Effective rateto 427%
Advantages
Age from 20 years
Receive in a few minutes
Completely online
No proof of income
Update date: 10.04.2025 15:33
About the organization
Telephone63 908 782 0559
AddressIBP Tower, Ortigas CenterDona Julia Vargas Ave. and Jade Drive San Antonio City of Pasig, 2nd District,Philippines
BrandSIA JEFF
Official websitehttps://www.loanonline.ph/
License43603085405
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 |
|
Kviku
|
—
|
15 – 135 days
|
500 – 25 000 ₱
|
|
Finloo
|
from 0,1%
|
until 30 days
|
1 000 – 25 000 ₱
|
|
Finapps
|
from 0,1%
|
until 30 days
|
1 000 – 25 000 ₱
|
|
Finpug
|
to 0,1%
|
61 – 365 days
|
1 000 – 25 000 ₱
|
|
Cashspace
|
to 0,1%
|
61 – 120 days
|
500 – 25 000 ₱
|
|
Crezu
|
0,03 – 0,1%
|
61 – 120 days
|
500 – 25 000 ₱
|
|
Finbro
|
0,2%
|
until 365 days
|
1 000 – 50 000 ₱
|
|
Credy
|
to 0,39%
|
61 – 120 days
|
1 000 – 25 000 ₱
|
|
MoneyCat
|
0,8%
|
7 – 180 days
|
1 000 – 20 000 ₱
|
|
CashXpress
|
0,8%
|
7 – 90 days
|
1 000 – 20 000 ₱
|
Reviews
I was honestly hesitant at first, especially since it was my first time applying for an online loan. But I’m really glad I gave it a shot. The process was surprisingly quick and hassle-free — I got approved in less than 20 minutes!
Rating:5Great
Jill01.06.2025
Took a loan online 'cause I needed cash quickly, and honestly, it was much easier than I thought.
Rating:4Good
Regalado21.05.2025
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.
Rating:5Great
Nouvem27.05.2025
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:5Great
Karlene02.06.2025
MFIs to Apply For
-
Kvikuto 25 000 ₱At a rate from 0%
-
Finlooto 25 000 ₱At a rate from 0,1%
-
Finappsto 25 000 ₱At a rate from 0,1%
-
Finpugto 25 000 ₱At a rate from 0%
-
Cashspaceto 25 000 ₱At a rate from 0%
-
Crezuto 25 000 ₱At a rate from 0,03%
-
Finbroto 50 000 ₱At a rate from 0,2%
-
Credyto 25 000 ₱At a rate from 0%
-
MoneyCatto 20 000 ₱At a rate from 0,8%
-
CashXpressto 20 000 ₱At a rate from 0,8%
News
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
What Can You Expect with a Fast Loan with Arrears?
If you’re shooting for this kind of offer, your credit history won’t matter that much. Lenders will focus on your ability to repay instead. However, because it’s still a bigger risk for them, getting approved for a larger amount may be like pushing a rock up a mountain.
That said, cashout is still pretty quick! You’ll still be able to come up with some money should an emergency strike.
What Are the Perks of This Type of Offer?
Getting a cash loan with arrears online is great because:
-
You get the chance to improve your credit history.
-
You’ll still get your hands on the funds right away.
-
It helps you create an opportunity to score a more competitive deal in the future.
As long as you don’t miss any payments in the future, you can make a fast loan with arrears work for you!
Get Your Loan Through MoneyPanda
The chance to build back stronger is now! Get a quick loan with arrears by:
-
Pick the best MFI offer on the page.
-
Fill out the application form and provide any documents that they’re asking for.
-
Wait for the lender’s decision.
-
Go through the terms. If you’re happy with the proposal, accept them.
-
See the money transferred to your nominated bank or e-wallet account instantly.
FAQs
Can I get a quick loan if I have existing arrears?
You can still apply for a quick loan even if you have unpaid debts, but it doesn’t mean you’ll automatically get approved. Lenders will check your income and how much you already owe before deciding.
How fast can I get a loan with arrears?
If you have unpaid debts, getting a loan might take a little more time because lenders need to check your details carefully. It usually takes anywhere from a few days to a week to get a decision.
What happens if I miss payments on a quick loan with arrears?
If you miss payments on a quick loan while you still have unpaid debts, you’ll likely face more fees and pressure from the lender. It can also affect your chances of getting another loan in the future.
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. |