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Borrow for the first time

with 0% interest for

 7 days!

Check if you qualify with our easy Q&A

Are you over 21?

Are you employed?

Who is eligible to apply?

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


  • From the comfort of your own home, experience seamless and hassle-free transactions with us.
  • No need to leave your house or visit a physical location because all operations are done online.
  • With our quick and efficient system, you can receive up to ₱10,000 in just a few minutes.
  • Directly deposited into your bank account.
  • No guarantors, no complicated documentation, and no hefty deposits.
  • Our fully automated service is the ultimate solution for your financial needs.


Borrow money with ease through our Online Installment Loan.

  • We offer an installment form of credit with flexible repayment terms, allowing you to choose from 3 to 6 months as your repayment period.
  • Loan amounts range from 10,500 to 25,000
  • Our maximum interest rate is 11.9% per month, with an APR of 143%.

Representative example:

Apply for PHP 20,000 and pay it back over a 6-month period with affordable monthly payments of only PHP 5,000. Our low total loan cost of PHP 2,383 per month ensures you can stay on top of your finances.

Online Loans in the Philippines

In defiance of traditional advice advocating for minimizing expenses and shunning loans, countless individuals aspire to achieve financial stability, irrespective of their demographic.

The judicious use of loans can, in fact, have a significant impact on one's financial well-being. Taking out a loan to invest in professional development or acquiring new skills, for example, can provide substantial returns over time.

Conversely, borrowing to satisfy consumerist desires or leisure activities can jeopardize one's financial security.

The key factor in leveraging loans for financial independence is prudent utilization, while reckless loan usage can lead to financial ruin.

How do Instant Loans Work in the Philippines?

Many residents of rural areas in the Philippines face a challenging situation when it comes to accessing traditional banking services.

Long wait times and extensive documentation requirements can make traveling to the city for financial assistance a significant hassle.

Fortunately, online loans provide a simple solution, with an easy-to-follow application process that only requires a valid ID and proof of income.

With high rates of internet usage in the country, online loans have become an increasingly popular option for those in need of quick and convenient financial solutions.

Are Online Loans Legit?

Not all online lending companies are legal, so it is important to exercise caution when dealing with them. Online lenders must register with the SEC and have a physical office in the Philippines to operate legally. However, some unscrupulous lenders operate exclusively online and use unethical tactics to take advantage of customers. When searching for immediate loans online, it can be tough to differentiate between authorized and unauthorized lenders. To ensure that you are working with an authorized lender, verify 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. Always take the time to research and work only with a reputable online lender.

What are Online Loans?

The key to achieving financial independence lies in careful planning and self-restraint, but unforeseen expenses can shatter even the most well-thought-out financial plans. In such situations, borrowing from friends, family, banks, or other lenders may be the only way out. Although banks typically offer lower interest rates and more adaptable loan terms, applying for a bank loan can be a daunting process due to the many obstacles. This is why people often seek out alternative options such as lender loans or online loans, which provide a convenient solution for those in need of quick cash without the hassle of stepping out or searching for the best offer.

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

  1. Say goodbye to the hassle of comparing loan options from different lenders. With online lending, you can easily compare and select the best option from the comfort of your own home or office.
  2. The unmatched convenience of online lending means that lenders are available 24/7, making it simple to obtain a loan whenever you need it.
  3. Applying for a loan has never been easier thanks to the straightforward documentation process for online loans. With minimal requirements and no need for collateral or a guarantor, you can apply for a loan quickly and easily.
  4. The loan application, evaluation, decision-making, and fund transfer process is handled through an efficient and fair automated system, ensuring a smooth and hassle-free experience.
  5. Enjoy complete privacy and security with online loans, as you do not need to share your financial information with a banking professional.
  6. Get the funds you need fast with online loans. The application and disbursement process can be completed in just hours, earning them the nickname "Sameday Loans."
  7. Online loans have an impressive approval rate of 90%, and unlike some banks, online lenders do not engage in cross-selling.
  8. Whether you need funds for a personal expense or a business venture, online loans are versatile and can be used for any purpose.
  9. Keep on top of your loan payments with ease, thanks to online loan management tools that make tracking and managing your repayments a breeze.

The popularity of online lending in the Philippines has skyrocketed, thanks to its accessibility and ease of use. These loans require minimal documentation and have a high approval rate, even for those with a less-than-perfect credit history, making them an appealing option for Filipinos seeking financial support. The swift dispersal of funds is an added bonus, making these loans even more attractive to those in need of immediate financial assistance.

How to Take an Instant Loan Correctly and Profitably?

In the pursuit of obtaining rapid access to funds, many are enticed by the prospect of an uncomplicated online lending process. However, the ease and allure of these loans can lead some individuals to rely on them for all their financial needs, without due diligence and consideration. This approach can eventually lead to financial chaos and eventually result in a never-ending cycle of indebtedness.

Below are the crucial points in securing the right loan:

  1. When it comes to applying for loans, honesty is crucial. Misrepresenting your financial history could result in a lender conducting a hard credit check, which could negatively impact your credit score and future loan opportunities.
  2. Avoid applying for loans from multiple lenders at once as each credit check could lower your score. Be strategic and limit your applications to a select few.
  3. It pays to shop around for the best loan option, so take your time to compare and contrast different lenders before making a final decision.
  4. Ensure that you have a solid repayment plan in place before accepting any loans. Late or missed payments can damage your credit score and make it harder to secure favorable loans in the future.
  5. Don't rush into anything without carefully reviewing and understanding all loan documents and terms. Take the time to fully comprehend the agreement and clarify any uncertainties with your lender.


Loans are a two-edged sword. They can provide a financial boost to help you achieve your aspirations, but if used irresponsibly or without proper consideration, they can lead you down a path of indebtedness. The secret to leveraging loans effectively is to have a comprehensive comprehension of your financial circumstances and a well-thought-out strategy. By thoughtfully evaluating your needs and making sound choices, loans can be a beneficial tool to aid you on your journey to financial independence.

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


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.

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.

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: When selecting a loan, the Annual Percentage Rate (APR) is a crucial factor that must be taken into account. The APR is the interest rate that you will be charged over the course of the loan, factoring in the loan amount, fees, and repayment schedule. APRs can vary substantially based on the type of loan and the lender, with cash advances carrying the highest rates (up to 1386%) and personal loans ranging from 4.99% to 450%. It's imperative to examine the APR and other loan terms thoroughly before signing a loan agreement, as lenders are obligated by law to disclose this information. Bear in mind that APR rates are subject to fluctuations and may vary over time.

Material Disclosure: The entity responsible for this website is not a lender, intermediary, or representative of any lending organization. Instead, we function as an advertising referral platform that links potential borrowers with qualified participating lenders who may offer loan amounts 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. It's essential to note that not all lenders can provide these loan amounts, and there is no assurance of acceptance by any participating lender. Our service is not an offer or request for any illicit loan product. This is not a concrete loan offer, and there is no commitment to lend. Our platform does not endorse or charge for any service or product, and any compensation received is solely for the advertising services provided by participating lenders. This service and offer are void in prohibited areas. We have no authority over the actions of any lender and are not accountable for them. We do not have access to the complete details of your loan, including the Annual Percentage Rate (APR). For more information regarding your loan, including specific loan terms, interest rates, renewal options, payment details, and potential consequences for missed payments, please contact your lender directly. By submitting your registration information on this website, it may be shared with one or more participating lenders. Using our service does not obligate you to initiate contact with a lender, register for credit, accept any loan product, or accept a loan from a participating lender. Repayment terms, cash transfer times, and local regulations may vary among lenders. Some lenders may require faxing. These disclosures are provided for informational purposes only and should not be regarded as legal advice.

Credit Implications: The organization responsible for this website does not have the authority to approve loan applications. Rather, it offers a platform for linking you with independent participating lenders who may assess your creditworthiness by conducting credit checks through credit reporting agencies or alternative providers. By submitting your information, you agree to allow these participating lenders to verify your details and credit history. The loans provided by the participating lenders are designed to provide short-term financial relief and should not be considered a long-term debt solution. It is crucial to borrow only the amount that you can repay on your next payday. You may want to seek professional financial advice to determine your needs, risks, and other options for short-term loans. Late payments may result in additional charges, collection activities, or both. Since each lender has their own set of terms and conditions, it is important to carefully review them for details. Failure to repay a loan may result in collection activities. Be sure to review the renewal policy of your lender before proceeding, as each lender has a unique policy.

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