Your 6-Minute Solution.

Your First Loan: Low APR,

No Complex Docs Required!

Take a quick quiz to determine your qualification.

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Who is eligible to apply?

  • Employed individuals and selected professionals
  • Filipino Residents


  • Experience effortless and smooth transactions from the comfort of your own home.
  • Eliminate the need for in-person visits as all transactions are conducted online.
  • Receive up to ₱10,000 within just four minutes through our highly efficient system.
  • Enjoy the convenience of direct deposit into your personal bank account.
  • No longer worry about the requirement of guarantors, complicated documentation, or large deposits.
  • Benefit from our fully automated service tailored to meet your financial needs.


Acquire a Seamless Instant Online Loan effortlessly.

  • Experience the convenience of a credit installment plan with adaptable terms.
  • Select a repayment period ranging from 3 to 6 months to suit your needs.
  • Access loan amounts spanning from 10,500 to 25,000.
  • Benefit from an interest rate of 11.9% per month.
  • Be aware of the maximum APR set at 143%.

Representative example:

When you submit an application for PHP 20,000 and opt for a 6-month repayment plan, you'll enjoy the convenience of making monthly payments of only PHP 5,000. With a total loan cost of PHP 2,383 per month (APR=143%), you can efficiently manage your financial obligations.

Online Loans in the Philippines

In defiance of the age-old wisdom of cutting expenses and avoiding borrowing, individuals from all walks of life aspire to achieve financial stability. Surprisingly, loans can serve as valuable tools in improving one's financial standing when employed wisely. For instance, obtaining a loan for career advancement or skill acquisition can yield long-lasting advantages. Conversely, loans taken for indulgent spending or recreational activities can undermine one's financial well-being. The crucial factor lies not in the mere presence of loans, but rather in their responsible utilization. Prudent use of loans can pave the path to financial independence, while reckless borrowing can lead to financial downfall.

How do Instant Loans Work in the Philippines?

In the rural regions of the Philippines, traditional banking services may remain out of reach for a significant portion of the population, depriving them of conventional financial options. This situation presents a double-edged predicament as many individuals are compelled to journey to more densely populated cities, only to confront overcrowded banks and sluggish service due to the sheer volume of customers and protracted documentation processes. On the flip side, accessing an online loan provides a swift and convenient solution, necessitating only a valid identification document and proof of income. By simply creating an account on an online platform, submitting the requisite documentation to establish creditworthiness, applicants can receive a loan decision within minutes. Given the Philippines' high internet penetration rate, online loans have emerged as the favored choice for addressing urgent financial needs. They offer unparalleled convenience and efficiency, eliminating the need to travel to distant banks and endure long queues.

Are Online Loans Legit?

It is crucial to exercise caution as not all online lending companies are operating within the bounds of the law. Legitimate online lenders are required to register with the SEC and maintain a physical office in the Philippines to ensure legal operations. Unfortunately, some unscrupulous lenders choose to operate exclusively online, exploiting unsuspecting customers through unethical means. Distinguishing between lawful and illicit lenders can pose a challenge, especially when seeking immediate online loans. To ensure that you are engaging with a trustworthy lender, it is advisable to verify their credentials on the SEC website. As an example, Digido (one of our esteemed partners) is a fully licensed company holding SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Always invest time in conducting thorough research to guarantee that you are collaborating with a reputable online lender.

What are Online Loans?

Attaining financial autonomy necessitates meticulous strategizing and self-control, yet unforeseen expenditures can disrupt even the most well-devised financial blueprints. During such instances, loans from acquaintances, relatives, financial institutions, or lenders might become indispensable. While banks present alluring benefits such as reduced interest rates and adaptable repayment terms, securing a bank loan can be a formidable undertaking fraught with numerous challenges. Consequently, individuals often explore alternative avenues like lender loans or online loans. Online loans emerge as a convenient remedy for those seeking prompt monetary assistance, eliminating the need to venture outside or engage in extensive comparison shopping to secure the most favorable terms.

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

  1. Acquire loans effortlessly from the convenience of your home or office through online lending platforms.
  2. Benefit from round-the-clock availability of lenders, ensuring convenient access to loans at any time.
  3. Experience a streamlined documentation process for online loans, eliminating the need for collateral or a guarantor.
  4. Leverage automated systems that handle loan evaluations, decision-making, and fund transfers in an equitable and efficient manner.
  5. Safeguard the privacy of your financial information, without the requirement of sharing details with banking professionals.
  6. Complete loan applications and receive disbursed funds within a matter of hours through online loans, commonly referred to as "Same Day Loans."
  7. Enjoy an impressive loan approval rate of 90% with online lenders, who prioritize your needs without engaging in cross-selling practices like some banks.
  8. Explore the versatile utility of online loans, catering to a diverse range of purposes and offering flexibility.
  9. Effortlessly monitor and manage loan payments with the aid of online loan management tools, ensuring convenient tracking of your financial obligations.

The convenient and readily available nature of online lending in the Philippines has sparked a widespread interest among individuals seeking financial solutions. These loans have garnered immense popularity due to their hassle-free application process and high rate of approval, catering to those with less-than-perfect credit histories. Filipinos in need of financial assistance find these loans appealing, thanks to their minimal documentation requirements. Moreover, the rapid disbursement of funds further enhances their allure and makes them a preferred choice for many.

How to Take an Instant Loan Correctly and Profitably?

The allure of obtaining fast funds through a seamless online loan process can tempt individuals to rely on such loans for all their financial needs without careful deliberation. However, adopting this approach without proper consideration can lead to financial chaos, eventually trapping individuals in a cycle of debt.

Below are the crucial points in securing the right loan:

  1. Maintain honesty during the loan application process to avoid negative repercussions.
  2. Providing false information can result in a detrimental hard credit check, impacting your credit score and hindering future loan opportunities.
  3. Refrain from simultaneous applications with multiple lenders to safeguard your credit score.
  4. Explore loan offerings from different lenders to identify the most suitable option for your needs.
  5. Establish a robust repayment plan to ensure timely and complete loan repayment. Late or missed payments can harm your credit score and impede future access to favorable loans.
  6. Thoroughly review and comprehend all loan documents and terms before finalizing your decision.


Loans possess a dual nature, akin to a double-edged sword. On the positive side, they provide a much-needed financial impetus to propel you towards your aspirations. Conversely, if utilized imprudently or without responsible foresight, they can ensnare you in an inescapable web of indebtedness. The pivotal element in harnessing the power of loans lies in comprehending your financial landscape and formulating a meticulous blueprint. By conscientiously evaluating your requirements and exercising sagacious judgment, loans can emerge as a potent instrument on your path to attaining true financial emancipation.

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: Delving into the intricacies of loan selection entails acknowledging the paramount importance of the Annual Percentage Rate (APR). Serving as a vital metric, the APR encapsulates the interest levied on the loan throughout its duration, meticulously factoring in the loan amount, fees, and repayment timetable. Remarkably, the spectrum of loan APRs spans a wide range contingent upon the loan type and lender. Cash advances, occupying the upper echelons, boast the loftiest rates, surging to an astonishing 1386%. Conversely, personal loans exhibit a more varied landscape, spanning from a modest 4.99% to a substantial 450%. Exercising due diligence, it is incumbent upon borrowers to meticulously scrutinize the APR alongside other loan stipulations prior to appending their signature to the loan agreement. Regulatory mandates necessitate lenders to furnish this crucial information, underscoring the significance of thorough examination. It is imperative to bear in mind that APR rates are not static, susceptible to flux and evolution over time.

Material Disclosure: It is essential to comprehend that the entity responsible for this website functions solely as an advertising referral platform, devoid of any lending authority, intermediation, or representation on behalf of lending organizations. Our primary objective revolves around connecting prospective borrowers with esteemed participating lenders possessing the competence to offer a diverse range of loan options. These loan amounts extend from ₱10,000 to ₱25,000 for cash advances, up to ₱100,000 for installment loans, and reach up to ₱500,000 for personal loans. However, it is vital to recognize that not all lenders have the capability to provide these specific loan amounts, and there is no absolute guarantee of acceptance from any participating lender.

To clarify further, our service should not be misconstrued as a proposal or solicitation for any illicit loan products. We do not offer explicit loan terms, and no commitment to lend is established through our platform. Moreover, it is important to note that we neither endorse nor levy charges for any services or products. Any compensation received is solely for the advertising services rendered by participating lenders. Be advised that this service and offer are null and void in areas where prohibited by law. We exert no control over the actions of lenders and cannot assume responsibility for their conduct.

In addition, we must stress that we lack access to comprehensive loan details, including the Annual Percentage Rate (APR). For comprehensive information pertaining to your loan, encompassing specific terms, interest rates, renewal options, payment particulars, and potential consequences for missed payments, direct communication with your lender is essential. By submitting your registration information on this website, it may be shared with one or more participating lenders; however, this act does not mandate your initiation of contact with a lender, registration for credit or any loan product, or acceptance of a loan from a participating lender.

Repayment terms, cash transfer durations, and adherence to local regulations may vary across lenders. In certain instances, faxing of documents may be required. We emphasize that the aforementioned disclosures serve informational purposes exclusively and should not be regarded as legal advice.

Credit Implications: The organization responsible for this website does not engage in lending decisions. Instead, we connect you with independent participating lenders who may evaluate your creditworthiness and credit history through assessments conducted by credit reporting agencies or by obtaining consumer reports from alternative providers. By providing your information, you grant consent to these participating lenders to verify your details and credit history.

The loans offered by the participating lenders within our network are designed to provide temporary cash relief, intended for short-term usage and not as a long-term solution for debt. It is crucial that you borrow only what you can feasibly repay on your upcoming payday. We advise seeking professional financial advice to assess your specific needs, the associated risks, and explore alternative options to short-term loans.

Please be aware that late payments on loans may result in additional fees, collection actions, or both. Each lender operates under a distinct set of terms and conditions, so we strongly advise reviewing them thoroughly for comprehensive information. Failure to repay a loan may initiate collection activities.

Additionally, it is important to note that every lender has a unique policy regarding loan renewal. We urge you to review the renewal policy of your specific lender before proceeding.