Get it done in 15 minutes or less!

Limited time offer: first

loan at 0% interest for 7


Answer a couple of questions to see if you qualify

Are you over 21?

Are you employed?


Who is eligible to apply?

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


  • Conduct transactions seamlessly from home
  • No physical visits needed; all online
  • Get up to ₱10,000 in 4 mins with our efficient system
  • Deposited directly into your bank account
  • No guarantors, complex docs, or hefty deposits
  • Fully automated service for your financial needs


Get an Instant Online Loan with ease.

  • It's an installment form of credit with flexible repayment terms
  • Choose from 3 to 6 months as repayment period

  • Loan amounts range from 10,500 to 25,000.
  • Interest rate is 11.9% per month.
  • Maximum APR is 143%.

Representative example:

Applying for PHP 20,000 is made easy with our flexible repayment options. Choose a 6-month period with monthly payments of PHP 5,000 only. Enjoy a low total loan cost of PHP 2,383 per month. APR is 143%.*

Online Loans in the Philippines

Despite the age-old advice of cutting costs and avoiding loans, many people aspire to attain financial stability, regardless of their demographic.

However, loans can play a crucial role in enhancing one's financial situation when used properly. For example, taking out a loan for professional development or acquiring new skills can provide long-term benefits.

In contrast, loans used for consumerist habits or leisure purposes will undermine financial stability.

The key is not the presence of loans, but the manner in which they are utilized. Using loans wisely can lead to financial independence, while imprudent loan usage can lead to financial ruin.

How do Instant Loans Work in the Philippines?

In rural areas of the Philippines, formal banking services may be inaccessible, leaving a significant portion of the population without conventional banking options.

This creates a double-edged sword as many must travel to more populated cities, only to face crowded banks and slow service due to high customer volume and lengthy documentation processes.

On the other hand, obtaining an online loan is a quick and accessible process, requiring only a valid ID and proof of income. Simply create an account on an online portal, submit the necessary documentation to prove creditworthiness, and receive a decision within minutes.

With a high rate of Internet penetration in the Philippines, online loans have become a preferred option for urgent financial needs. They offer convenience and speed without the hassle of traveling to distant banks and waiting in long lines.

Are Online Loans Legit?

Not all online lending companies are legal, so it's essential to be careful. Online lending companies must register with the SEC and have a physical office in the Philippines to operate legally. However, some illegal lenders operate solely online and take advantage of customers through unethical practices. It can be challenging to differentiate between legitimate and illegal lenders when seeking instant loans online. To ensure you're working with a legitimate lender, check their details on the SEC website. For example, Digido (one of our partners) is a fully licensed company with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Always take the time to research and ensure that you're working with a reputable online lender.

What are Online Loans?

Achieving financial independence requires careful planning and discipline, but unexpected expenses can derail even the best financial plans. Loans from friends, family, banks, or lenders may be necessary in such situations. Although banks offer low interest rates and flexible loan terms, getting a bank loan can be a daunting process with many obstacles. This is why people often turn to alternative options such as lender loans or online loans. Online loans provide a convenient solution for those in need of quick cash without the hassle of leaving home or shopping around for the best deal.

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

  1. Comparing loan options from various lenders is made easy with the comfort of your home or office through online lending
  2. The convenience of online lending is unparalleled, as lenders operate 24/7, making it easy to obtain a loan at any time
  3. The documentation process for online loans is straightforward, with minimal requirements and no need for collateral or a guarantor
  4. An automated system handles the loan evaluation, decision-making, and fund transfer in a fair and efficient way
  5. Your financial information is kept private, and you do not need to share details with a banking professional
  6. The loan application and disbursement process can be completed in just hours, making online loans known as "Same Day Loans."
  7. The approval rate for online loans is an impressive 90%. Unlike some banks, online lenders do not engage in cross-selling
  8. Online loans are versatile and can be used for any purpose
  9. Keeping track of loan payments is simple with online loan management tools


Online loans in the Philippines have gained immense popularity due to their convenient and easily accessible nature. With minimal documentation requirements and a high loan approval rate, even for those with a less-than-ideal credit history, these loans have become an attractive option for Filipinos in need of financial assistance. The added advantage of quick fund disbursement only adds to their appeal.

How to Take an Instant Loan Correctly and Profitably?

The prospect of securing quick funds through an effortless online loan process can be alluring, leading some individuals to turn to these loans for every financial requirement without proper consideration. This approach can cause financial disarray and eventually result in a spiral of debt.

Below are the crucial points in securing the right loan:

  1. When applying for loans, honesty is the best policy. Providing false information about your financial history could result in a lender performing a hard credit check, which could have a negative impact on your credit score and make it harder for you to secure favorable loans in the future.
  2. Applying for loans from multiple lenders at once is a big no-no. Each credit check can lower your score, so it's best to limit them.
  3. Take your time to shop around for the best loan option by comparing different lenders.
  4. Make sure to have a solid plan in place to repay the loan in full and on time. Missing or late payments can harm your credit score and make it difficult to secure favorable loans in the future.
  5. Before making any final decisions, it's crucial to carefully review and understand all loan documents and terms.


Loans can be a double-edged sword. On one hand, they offer a financial boost to help you reach your goals. On the other hand, if misused or taken out irresponsibly, they can put you in a cycle of debt. The key to leveraging loans effectively is to have a solid understanding of your financial situation and a well-planned strategy. By carefully considering your needs and making wise decisions, loans can be a valuable tool on your journey to financial freedom. 

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: The Annual Percentage Rate, or APR, is a critical factor to consider when choosing a loan. The APR represents the interest you'll be charged over the course of the loan, and it takes into account the loan amount, fees, and repayment schedule. Loan APRs can vary widely depending on the type of loan and lender, with cash advances having the highest rates (up to 1386%) and personal loans having a range from 4.99% to 450%. It's crucial to review the APR and other loan terms carefully before you sign a loan agreement, as lenders are required by law to disclose this information. Keep in mind that APR rates are subject to change and may fluctuate over time.

Material Disclosure: The entity behind this website is not a lender, intermediary or representative of any lending organization. Instead, we serve as an advertising referral platform connecting 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 important to note that not all lenders can provide these loan amounts and there is no guarantee of acceptance by any participating lender. Our service does not constitute a proposal or request for any illegal loan product. This is not a specific 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 advertising services provided by participating lenders. This service and offer are null and void in prohibited areas. We have no 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. For more information on 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 or any loan product, or accept a loan from a participating lender. Repayment terms, cash transfer times, and local regulations may vary among lenders. Some faxing may be required. These disclosures are provided for informational purposes only and should not be considered as legal advice.

Credit Implications: The entity behind this website does not make any lending decisions. Instead, it connects you to independent participating lenders who might assess your creditworthiness and credit history by conducting checks with credit reporting agencies or obtaining consumer reports through alternative providers. By submitting your information, you consent to these participating lenders verifying your details and credit history. The loans offered by the participating lenders in our network are meant to provide you with short-term cash relief and are not intended to be a long-term debt solution. It is imperative that you only borrow what you can pay back on your next payday. Consider seeking expert financial advice for your needs, the risks involved, and alternative options to short-term loans. Late loan payments could result in added fees or collection actions, or both. Every lender operates under their own set of terms and conditions, so be sure to review them for more information. Failing to repay a loan could lead to collection activities. Every lender has a unique renewal policy, so be sure to review the policy of your lender before proceeding.