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Get A Loan Up To 25,000 PHP

Easy Online Approval

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Who is eligible to apply?

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

Benefits

• Our seamless online platform allows for hassle-free transactions from the comfort of your own home.
• Say goodbye to physical visits, as all of our operations are conducted online.
• With our quick and efficient system, you can receive up to ₱15,000 in just a few minutes, directly deposited into your bank account.
• Deposited directly into your bank account
• No need for complicated documentation, guarantors, or huge deposits.
• For all of your financial needs, there is no better option than our totally automated service.

Terms

Experience the convenience of an Instant Online Loan,

• Installment credit available online with comfortable payment terms.
  
• Choose your preferred loan term between 3, 4, 5, or 6 months.
  
• Borrow an amount ranging from ₱10,500 to ₱25,000 to cover your financial needs.
  
• Interest rates = 11.9% per month (maximum APR=143%)
  

Representative example:

Imagine you need to borrow PHP 20,000 and decide to repay it over 6 months, which means you'll be paying back PHP 5,000 every month. However, the loan will cost you a total of PHP 2,383 per month, including an annual percentage rate (APR) of 143%. APR is a calculation that shows the total cost of borrowing, including interest and any additional fees, spread out over a year.

Online Loans in the Philippines

Although people are often told to save money and not take out loans, financial stability is still a common goal regardless of one's background. When used appropriately, loans can be instrumental in improving one's financial situation. For instance, taking out a loan to advance one's professional development or to acquire new skills can lead to long-term benefits.

Conversely, loans used for consumerist or leisurely activities can put financial stability at risk. The important thing to remember is not that loans are bad, but that they should be used thoughtfully. Using loans wisely can pave the way to financial independence, while careless usage can result in financial catastrophe.

How do Instant Loans Work in the Philippines?

Access to formal banking services can be a challenge in rural areas of the Philippines, leaving a significant portion of the population with limited banking options. This creates a two-fold problem as people must journey to urban areas, only to face overcrowded banks and time-consuming services due to high demand and extensive documentation procedures.

Alternatively, obtaining an online loan is a speedy and straightforward process that requires only a valid identification card and income proof. By creating an account on an online portal, uploading the necessary documents to establish creditworthiness, and waiting only a few minutes, people can obtain urgent financial assistance. With the Philippines' high rate of internet penetration, online loans are now a top preference, offering convenience and promptness without the hassle of long journeys or queues.

Are Online Loans Legit?

In today's digital age, online lending has become a popular way for people to access quick loans. However, it's important to exercise caution as not all online lending companies are legal. To operate legally in the Philippines, online lending companies must be registered with the SEC and have a physical office. Unfortunately, some illegal lenders take advantage of customers through unethical practices, making it challenging to distinguish between legitimate and illegal lenders. To ensure you're working with a reputable online lender, take the time to research their details on the SEC website. For instance, Digido is one of our trusted partners and has SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Stay safe and informed by verifying that you're working with a legitimate online lender.

What are Online Loans?

Gaining financial freedom involves careful preparation and control, but unforeseen expenses can disrupt even the most thought-out financial strategies. Loans from banks, family, friends, or other lenders may become a necessity in such cases. However, banks have stringent requirements and can be difficult to obtain, despite offering low interest rates and flexible repayment options. As a result, individuals often turn to alternative options, such as online loans or lender loans. Online loans provide an easy and efficient solution for those requiring immediate cash without leaving the comfort of their home or spending time searching for the best deal.

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

1. Online lending makes comparing loan options from various lenders easy and convenient from the comfort of your own home or office.
   
2. With lenders operating 24/7, you can obtain a loan at any time that suits you best.
3. An automated system handles loan evaluation, decision-making, and fund transfer in a fair and efficient manner.
4. The documentation process for online loans is simple and straightforward, with minimal requirements and no need for collateral or guarantors.
5. Online loans are known as "Same Day Loans" because the application and disbursement process can be completed in just a few hours
6. With an impressive approval rate of 90%, online lenders do not engage in cross-selling like some banks do.
7. Your financial information is kept confidential, and you do not need to share details with a banking professional.
8. Online loans are versatile and can be used for any purpose you choose.
9. You can easily keep track of loan payments with online loan management tools.

More and more people in the Philippines are turning to online loans because they are very convenient and easy to access. With minimal paperwork to complete, and a high likelihood of approval, even if you don't have a great credit history, these loans are an appealing option for Filipinos who need financial help. Additionally, the quick disbursement of funds is another attractive feature of these loans.

How to Take an Instant Loan Correctly and Profitably?

The ease of obtaining online loans quickly may attract some people to rely on them for all their financial needs, without careful planning or consideration. However, this can lead to financial chaos and eventually result in mounting debt.

Below are the crucial points in securing the right loan:

1. Always be honest when applying for a loan, providing false information can harm your credit score and make it harder to secure loans in the future.
2. Take your time to compare loan options from different lenders to find the best one for your needs.
3. Avoid applying for loans from multiple lenders at once as it can lower your credit score. Limit your applications to avoid this.
   
4. Have a solid repayment plan in place to avoid missing or making late payments, which can damage your credit score and make it harder to secure loans in the future.
   
5. It's crucial to carefully review and understand all loan documents and terms before making any final decisions.
   

Conclusion

Taking out a loan can have both positive and negative effects on your finances. While it can provide the necessary funds to achieve your goals, it can also lead to a debt trap if not managed responsibly. It is crucial to have a clear understanding of your financial situation and develop a well-thought-out plan to make the most of loans. Making wise choices and assessing your needs carefully can help you use loans as a helpful tool on your path towards 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: Whenever you're looking for a loan, the Annual Percentage Rate (APR) is an essential aspect to keep in mind. It represents the total interest rate that you'll have to pay over the life of the loan, including fees and repayment periods. APRs vary depending on the type of loan and lender, with cash advances having the highest rates, up to 1386%, and personal loans ranging from 4.99% to 450%. It's imperative to carefully review the APR and other loan terms before signing an agreement, as lenders are required by law to disclose this information. Keep in mind that APR rates may fluctuate over time, so make sure to stay up-to-date on any changes.

Material Disclosure: This website does not function as a lending organization, broker, or representative. Instead, our platform serves as a connecting referral service that helps match prospective borrowers with participating lenders. These lenders are qualified and 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 is important to note that not all lenders can provide these loan amounts, and approval by a participating lender is not guaranteed. Our services do not promote or endorse any illegal loan products. This platform does not constitute a specific loan offer, and there is no obligation to borrow. Our website does not charge for any service or product, and compensation received is solely for advertising services provided by participating lenders. These services and offers are void in prohibited areas. We do not have control over any lender's actions and are not responsible for them. We do not have access to the full details of your loan, including the Annual Percentage Rate (APR). To learn more about your loan, including specific loan terms, interest rates, renewal options, payment details, and potential consequences for missed payments, please contact your lender directly. By providing your registration information on this website, it may be shared with one or more participating lenders. The use of 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, and some faxing may be required. These disclosures are provided for informational purposes only and should not be considered legal advice.

Credit Implications: The organization running this website does not have the authority to grant loans. Instead, it collaborates with a network of independent lenders who may evaluate your creditworthiness and financial history by reviewing reports from credit reporting agencies or alternative sources. By submitting your information, you agree to allow these lenders to verify your personal and credit details. The loans provided by our affiliated lenders are intended to provide short-term financial assistance and are not meant to be a long-term debt solution. You should only borrow what you can afford to repay on your next payday. Before proceeding, you should seek expert financial advice on your needs, the potential risks, and any alternative options available. Late loan payments may result in additional fees, collection actions, or both. Since every lender has its own set of terms and conditions, you should carefully review them for more information. Failing to repay a loan may result in collection activities. You should review the renewal policy of your specific lender before proceeding.