optin

Who is eligible to apply?

21-70 years old
Employed individuals and selected professionals
Filipino Residents

Benefits

Enjoy the convenience of seamless and hassle-free transactions from the comfort of your own home.
No need to leave the house or visit a physical location as all operations are conducted online.
Our quick and efficient system enables you to receive up to ₱10,000 in just few minutes.
Directly credited to the bank account you provide.
No guarantors, complicated documentation, or hefty deposits required.
Our fully automated service is the perfect solution for your financial needs.

Terms

Simplify your borrowing with An Instant Online Loan, an online installment form of credit with flexible repayment options.

Repayment period that suits your needs - 3, 4, 5 or 6 months.
Borrow any amount from 10,500 to 25,000 hassle-free.
With a maximum APR of 143%, our loans have a fixed interest rate of 11.9% per month.

Representative example:

If you decide to borrow PHP 20,000 and opt for a 6-month repayment period, you'll only need to pay PHP 5,000 every month. The total cost of your loan will amount to PHP 2,383 per month, with an annual percentage rate (APR) of 143%.

Online Loans in the Philippines

Although it's been said for ages that reducing expenses and staying away from loans is the way to achieve financial stability, many individuals still strive to attain it, regardless of their background or age.

Nonetheless, loans can significantly improve one's financial outlook when utilized wisely. For instance, borrowing money to invest in professional growth or acquiring new expertise can result in considerable long-term gains.

On the other hand, loans used to satisfy consumerist desires or leisure activities will undoubtedly threaten financial stability.
In the end, it is not the presence of loans, but the way they are used that counts. Employing loans intelligently can lead to financial freedom, while reckless loan usage can result in financial collapse.

How do Instant Loans Work in the Philippines?

Access to formal banking services can be limited in the rural areas of the Philippines, which leaves a significant proportion of the population without traditional banking options.

This situation creates a conundrum as many residents are compelled to travel to densely populated cities, where they have to encounter congested banks, lengthy documentation processes, and slow service caused by high customer volume.

However, getting an online loan provides a fast and convenient option that requires a valid ID and proof of income. The process is easy, simply create an account on a reputable online portal, submit the necessary documentation to demonstrate creditworthiness, and receive a decision within minutes.

With a high penetration rate of the internet in the Philippines, online loans have become a go-to option for urgent financial needs. They offer speed and convenience without the need to travel to faraway banks or wait in long lines.

Are Online Loans Legit?

Not all digital lending firms are legitimate, and being cautious is crucial. For a digital lending company to operate legally in the Philippines, it must register with the SEC and have a physical office. Nevertheless, some unscrupulous lenders function solely online and leverage unethical techniques to prey on customers. When seeking immediate online loans, distinguishing between authorized and unauthorized lenders can be challenging. To verify that you are working with a trustworthy lender, you can check their information on the SEC website. Our partner, Digido, is a fully authorized company with SEC Registration No.: 202003056 and Certificate of Authority No.: 1272. Conduct proper research to guarantee that you are working with a reputable online lender.

What are Online Loans?

Gaining financial independence necessitates meticulous preparation and self-control, yet unforeseeable expenditures can throw even the most impeccable financial strategies off course. Under such circumstances, borrowing from friends, family, banks, or other lenders may become inevitable. While banks typically offer lower interest rates and more adjustable loan terms, acquiring a bank loan can be an intimidating process with many impediments. For this reason, individuals frequently resort to other alternatives, such as lender loans or online loans, which present an expedient solution for those who require swift cash without the inconvenience of stepping out of their houses or looking for the most attractive deal.

Online loans give a slew of irresistible features for a prospective borrower:

Online lending allows for easy comparison of loan options from various lenders from the comfort of your own home or office.
Online lenders operate 24/7, offering unparalleled convenience to obtain a loan at any time.
Online loan documentation is straightforward with minimal requirements and no collateral or guarantor needed.
Automated systems handle loan evaluation, decision-making, and fund transfer in a fair and efficient manner.
Your financial information remains private and does not need to be shared with a banking professional.
The online loan application and disbursement process is quick, completing in just hours and known as "Same Day Loans."
Online loan approval rates are impressive at 90%, and cross-selling is not engaged in.
Online loans are flexible and can be applied to any situation.
Online loan management tools make keeping track of payments easy.

Online lending has become increasingly popular in the Philippines due to its convenience and accessibility. Filipinos who require financial assistance can benefit from these loans, which have a high approval rate and minimal documentation requirements, even for those with less-than-ideal credit histories. The quick disbursement of funds is an added advantage, making these loans a preferred option for those who need immediate access to cash.

How to Take an Instant Loan Correctly and Profitably?

The ease and speed of obtaining funds through online loans may be tempting for many, but relying on these loans for every financial need without careful thought can lead to financial chaos and ultimately result in a cycle of debt. It's important to use these loans judiciously and have a solid understanding of your financial situation and repayment ability before taking on any debt.

Below are the crucial points in securing the right loan:

Always be truthful when providing financial information to lenders to avoid a hard credit check and negative impact on your credit score.
Limit credit checks by avoiding applying for loans from multiple lenders at once.
Compare loan options from different lenders to find the best one for you.
Create a repayment plan to avoid missed or late payments and potential harm to your credit score.
Before making any decisions, carefully read and comprehend all loan documents and conditions.

Conclusion

Loans are like a tool that can either build or break your financial future. While they can provide a much-needed boost to help you achieve your goals, they can also lead to a cycle of debt if not handled responsibly. To make loans work for you, it's essential to have a clear understanding of your financial situation and a well-thought-out plan. By assessing your needs and making informed decisions, loans can serve as a valuable instrument to help you on your path to financial stability and success.

Our Partners:

Kviku Lending Co. INC.

18A Trafalgar Plaza, 105 H.V. Dela Costa Street, Salcedo Village Makati City, the Philippines SEC Registration No. CS201918702.
Certificate of Authority No. 3169
NPC Registration No. PIC-001-791-2021

DIGIDO FINANCE CORP.

SEC Registration No. 202003056. Certificate of Authority No. 1272

Representative example:
You apply for PHP 20,000 and choose repayment over 6 months, your monthly payment will be only PHP 5,000 per month, your total cost of the loan will be PHP 2,383 per month (APR = 143%)

MoneyCat Financing Inc.

Address: Unit 1701 Tycoon bldg Pearl Drive st. Brgy San Antonio Ortigas Center Pasig City, ph 1800. Certificate of Authority To Operate Number: 1254 granted by the Securities & Exchange Commission

Fill out an online loans registration form and you can get up to 20,000 PHP on your account. MoneyCat Financing Inc. gives you an opportunity to take loans from reliable credit partners. To get a loan you need to provide: any document, phone number and bank account in your name.

Cashspace.ph

is a brand of the company Fininity Ltd (registration number: 14523902, address: Tartu Street 84a, Tallinn, 10112, EE.)

This site is not a financial institution, bank, or lender. This site finds loans for customers, acting as an intermediary between a client who is looking to take a loan and a licensed financial institution. It is not responsible for any loan agreement. This website does not charge a service fee, nor is it responsible for the actions, inactions, or interest rates of any lender. You are never under any obligation to use the service, initiate contact, or request credit with any lenders this site connects you to.

Crezu.ph

is a brand of the company Fininity Ltd (registration number: 14523902, address: Tartu Street 84a, Tallinn, 10112, EE.)

This site is not a financial institution, bank, or lender. This site finds loans for customers, acting as an intermediary between a client who is looking to take a loan and a licensed financial institution. It is not responsible for any loan agreement. This website does not charge a service fee, nor is it responsible for the actions, inactions, or interest rates of any lender. You are never under any obligation to use the service, initiate contact, or request credit with any lenders this site connects you to.

Material disclosure

APR Disclosure: The Annual Percentage Rate (APR) plays a pivotal role in selecting a loan that is suitable for your needs. It is a measure of the interest you will pay throughout the loan's lifespan, taking into account the loan amount, fees, and repayment schedule. APRs may vary significantly based on the loan type and the lender, with cash advances having the highest rates (up to 1386%), and personal loans ranging from 4.99% to 450%. It is critical to carefully examine the APR and other loan terms before agreeing to a loan, as lenders are required by law to disclose this information. Keep in mind that APRs may fluctuate over time and are subject to change.

Material Disclosure: The website you are using does not lend money or act as a representative of any lending organization. Instead, it operates as a platform to connect potential borrowers with qualified participating lenders who can offer loans ranging from ₱10,000 to ₱25,000 for cash advances, up to ₱100,000 for installment loans, and up to ₱500,000 for personal loans. However, there is no guarantee that any participating lender will approve your loan application. It's important to note that our service does not promote any illegal loan products, and we do not provide any specific loan offers or commitments to lend. We do not charge for any services or products, and any compensation received is solely for advertising services provided by participating lenders. Our platform does not endorse any service or product, and the service may not be available in certain areas. We do not have control over the actions of any lender and are not responsible for them. We do not have access to the full details of your loan, including the APR, and we recommend that you contact your lender for more information. By registering on our website, your information may be shared with one or more participating lenders. Using our service does not obligate you to contact a lender, register for credit or loan products, or accept a loan from a participating lender. Lenders may have different repayment terms, cash transfer times, and local regulations, and may require faxing. These disclosures are for informational purposes only and should not be considered legal advice.

Credit Implications: The operator of this website is not responsible for determining your eligibility for loans. Instead, our website acts as a connector between you and independent participating lenders who may use credit reporting agencies or alternative providers to assess your creditworthiness and credit history. By submitting your information, you authorize these participating lenders to verify your details and credit history. The loans offered by these lenders are meant to provide short-term financial assistance and are not a long-term solution to debt. It is crucial that you borrow only what you can afford to repay on your next payday. Before applying for a loan, consider seeking professional financial advice to evaluate your options, the associated risks, and alternative solutions. Late payments may result in additional fees, collection actions, or both. Each lender operates under their own terms and conditions, so carefully review them before signing a loan agreement. Failure to repay a loan may lead to collection activities. Before proceeding, make sure to review the unique renewal policy of your lender.