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Who is eligible to apply?

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

Benefits

• Enjoy effortless and convenient transactions from the comfort of your home with our service.
• Say goodbye to the need to go out and visit physical locations, as all transactions are conducted online.
• Receive up to ₱ 10 000 in just 4 minutes with our fast and efficient system, with funds deposited directly to your bank account.
• Avoid the need for guarantors, complicated documentation, or large deposits with our hassle-free service.
• Our fully automated system makes us the ultimate solution for all your financial needs.

Terms

Our Instant Online Loan is a convenient form of credit that can be applied for and received entirely online.

• You can choose a repayment term of either 3, 4, 5, or 6 months depending on what works best for you.
  
• The loan amount ranges from ₱ 10,500 to ₱ 25,000, providing you with flexibility and options.
  
• With a competitive interest rate of 11.9% per month, the maximum APR is 143%, ensuring that you can make comfortable payments over the chosen repayment term.
  

Representative example:

Assume you're seeking a PHP 20,000 loan and decide to pay it back in 6 months, which means you'll have to pay PHP 5,000 each month. However, it's important to understand that the loan's total cost would be PHP 2,383 per month, including an annual percentage rate (APR) of 143%. The APR reflects the total borrowing cost, including the interest rate and any other charges, spread over a year.

Online Loans in the Philippines

Although conventional wisdom suggests that cutting costs and avoiding loans is the path to financial stability, many people from all walks of life aspire to achieve financial independence. Loans, however, can be an important tool in achieving that goal if used wisely.

For instance, borrowing money to pursue professional development or acquire new skills can have long-lasting advantages. Conversely, loans obtained for frivolous consumer purchases or leisure activities can be a recipe for financial disaster. Ultimately, the presence of loans is not the issue; rather, it is how they are utilized that determines financial success. Sensible loan usage can pave the way to financial freedom, while irresponsible borrowing can lead to financial ruin.

How do Instant Loans Work in the Philippines?

Access to formal banking services is often a challenge for those living in rural areas of the Philippines, leaving a significant portion of the population without traditional banking options. This can result in a frustrating catch-22 situation where individuals must make the journey to more populated cities, only to face overcrowded banks and lengthy wait times due to high customer demand and bureaucratic red tape.

However, securing an online loan is a simple and accessible process that only requires a valid ID and proof of income. By creating an account on an online portal and submitting the necessary documentation to prove creditworthiness, individuals can receive a decision within minutes. With a high rate of internet penetration in the Philippines, online loans have become a preferred choice for those seeking fast financial assistance without the added stress of travel and long wait times.

Are Online Loans Legit?

When it comes to online lending, not all companies are created equal. It's crucial to exercise caution and discernment, as some lenders may be operating illegally and engaging in unethical practices that take advantage of unsuspecting borrowers. To ensure that you're dealing with a legitimate lender, it's important to check that they are registered with the SEC and maintain a physical office in the Philippines. It can be challenging to navigate this landscape on your own, but a good starting point is to visit the SEC website and verify the lender's details. For instance, Digido, one of our trusted partners, has been issued SEC Registration No.: 202003056 and Certificate of Authority No. 1272, meaning they are fully licensed to provide online lending services. Don't take shortcuts when it comes to borrowing money online – take the time to do your research and only work with reputable lenders like Digido.

What are Online Loans?

Reaching financial independence demands meticulous preparation and self-control. However, unforeseen expenses can wreak havoc on even the most meticulously crafted financial plans. In such situations, loans from friends, family, banks, or lenders may be necessary. Though banks often offer low interest rates and flexible loan conditions, the process of obtaining a bank loan can be intimidating, with several hurdles to clear. This is why many people opt for alternative solutions such as lender loans or online loans. Online loans offer a hassle-free option for those in need of urgent cash without having to leave their homes or spend time searching for the best deals.

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

1. Online lending offers unparalleled convenience by allowing you to compare loan options from various lenders without leaving your home or office.
   
2. Lenders operate 24/7, providing you with the flexibility to obtain a loan at any time.
   
3. The documentation process for online loans is direct to the point, with minimal requirements and no need for a guarantor or a collateral .
4. An automated system handles the loan evaluation, decision-making, and fund transfer in a fair and efficient way, saving you time and effort.
5. Your financial information is kept private, and you don't 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 impressive at 90%, and online lenders don't engage in cross-selling like some banks.
   
8. Online loans are versatile and can be used for any purpose, whether it's for home improvements, debt consolidation, or emergency expenses.
9. Online loan management tools make it easy to keep track of loan payments and stay on top of your finances.
   

The digital age has revolutionized the way Filipinos access financial assistance. Online loans have emerged as a game-changer in this regard, offering unparalleled convenience and accessibility to borrowers. These loans come with a host of benefits, such as a simplified application process, minimal documentation requirements, and high approval rates, even for those with a less-than-perfect credit history. Moreover, the quick disbursement of funds further enhances their appeal, making them an excellent choice for individuals looking for instant cash assistance.

How to Take an Instant Loan Correctly and Profitably?

The ease and speed of obtaining funds through online loans can be tempting, prompting some individuals to rely on them for every financial need without adequate forethought. This can lead to financial chaos and eventually spiral into debt.

Below are the crucial points in securing the right loan:

1. Be honest about your financial history to avoid negative impacts on your credit score from a hard credit check.
2. Avoid applying for loans from multiple lenders simultaneously to limit credit checks and protect your score.
3. Take your time to compare lenders to find the best loan option for your needs.
4. Develop a plan to pay back your loan on time and in full to protect your credit score and ability to secure loans in the future.
   
5. Review and understand all loan documents and terms before making a final decision.

Conclusion

Borrowing money is like wielding a sharp, two-sided sword. It can either cut through your financial struggles and help you achieve your objectives, or it can injure you by leading to overwhelming debt. The secret to utilizing loans to your advantage is having a comprehensive grasp of your financial circumstances and a properly crafted plan. By meticulously analyzing your requirements and making informed choices, loans can be a potent weapon on your path to achieving 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


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.

APR Disclosure: When looking for a loan, the Annual Percentage Rate, or APR, should be one of the key factors to consider. The APR represents the total interest you will pay over the course of the loan, and it takes into account the loan amount, fees, and repayment schedule. APRs can vary widely depending on the type of loan and lender. Cash advances tend to have the highest rates, reaching up to 1386%, while personal loans can range from 4.99% to 450%. It is important to review the APR and other loan terms carefully before signing any loan agreement. By law, lenders must disclose this information, but keep in mind that APR rates may fluctuate over time.

Material Disclosure: Our website is not a lender, intermediary, or representative of any lending organization. We serve as an advertising referral platform that connects potential borrowers with qualified participating lenders. These lenders 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. Please note that not all lenders can provide these loan amounts, and there is no guarantee of acceptance by any participating lender. Our service is not a proposal or request for any illegal loan product, 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. Our 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. If you require more information about your loan, such as 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 our 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 legal advice.

Credit Implications: Our website does not make any lending decisions. Instead, we connect 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. We urge you to only borrow what you can pay back on your next payday. It is important to 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.