Complete it in a 5-minute time frame or less!

Instant Loan Approval,

0% Interest for 7 Days!

Submit your responses to determine 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


  • Enjoy effortless and hassle-free transactions right from your own home.
  • No more trips to physical locations, as all operations are conducted online.
  • Our quick and efficient system can get you up to ₱10,000 in just four minutes, directly deposited into your bank account.
  • No complicated documentation, guarantors, or large deposits required.
  • Our service is fully automated, providing the ultimate solution for all your financial needs.


Secure an effortless Instant Online Loan

  • Enjoy flexible repayment terms with an installment-based credit.
  • Tailor your repayment period from 3 to 6 months to fit your needs.
  • Access loan amounts ranging from ₱10,500 to ₱25,000.
  • Benefit from a competitive interest rate of 11.9% per month.
  • Rest assured with a maximum APR of 143%.

Representative example:

If you opt to borrow PHP 20,000 and select a repayment period of six months, your monthly payment will amount to PHP 5,000. In total, the cost of the loan will be PHP 2,383 per month (with an APR of 143%).

Online Loans in the Philippines

While conventional wisdom advises cutting costs and avoiding loans, financial stability is a priority for people of all ages and backgrounds. Loans, when used judiciously, can have a significant impact on improving one's financial situation.

For instance, investing in professional development or gaining new skills through loans can offer long-term advantages. Conversely, taking out loans for indulging in consumerist habits or leisure activities will impede financial stability. The essential factor is not the presence of loans but rather their responsible utilization. The prudent use of loans can lead to financial freedom, while reckless borrowing can lead to financial peril.

How do Instant Loans Work in the Philippines?

In rural parts of the Philippines, accessing formal banking services can be challenging, which leaves a significant portion of the population without traditional banking options. This leads to a conundrum where individuals have to travel to urban areas only to face crowded banks, long lines, and slow services due to the high volume of customers and time-consuming documentation processes.

In contrast, applying for an instant loan online is an accessible and quick process that requires only a valid ID and proof of income. By setting up an account on an online platform and providing the necessary documentation to establish creditworthiness, one can receive a decision within minutes. With a high rate of internet usage in the Philippines, online loans have become the preferred option for emergency financial requirements. They offer convenience and speed without the hassle of traveling to distant banks and waiting in long queues.

Are Online Loans Legit?

It's crucial to exercise caution when dealing with online lending companies since not all of them are legitimate. To operate legally, online lending companies must register with the SEC and maintain a physical office in the Philippines. Unfortunately, some illegal lenders operate exclusively online and exploit customers through unscrupulous practices. When searching for instant loans online, it can be challenging to distinguish between reputable and unlawful lenders. To ensure that you're working with a lawful lender, verify their information on the SEC website. For instance, Digido, one of our collaborators, is a fully authorized company with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Always take the time to conduct research and verify that you're working with a trustworthy online lender.

What are Online Loans?

Becoming financially independent necessitates meticulous planning and self-control, but unforeseen expenditures can disrupt even the most well-thought-out financial strategies. Loans from family, friends, banks, or lenders may be necessary in such circumstances. Despite offering low interest rates and flexible loan terms, securing a bank loan can be a daunting task with several roadblocks. This is why people often look to alternative solutions, such as lender loans or online loans. Online loans offer a convenient answer for those requiring immediate cash without the inconvenience of leaving their homes or searching for the best offer.

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

  1. Easily compare loan options from different lenders from the comfort of your home or office through online lending.
  2. The 24/7 availability of online lenders makes it incredibly convenient 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 loan evaluation, decision-making, and fund transfer in a fair and efficient manner.
  5. Your financial information is kept private, and there is no need to share details with a banking professional.
  6. Online loans are known as "Same Day Loans" because the application and disbursement process can be completed in just hours.
  7. Online lenders have an impressive approval rate of 90% and do not engage in cross-selling like some banks.
  8. Online loans offer great flexibility, allowing borrowers to use the funds for a wide range of purposes.
  9. Online loan management tools make it easy to track loan payments.

Online loans have revolutionized the lending industry in the Philippines, offering unprecedented convenience and accessibility to borrowers. These loans have garnered immense popularity, thanks to their minimal documentation requirements and impressive loan approval rates, even for individuals with a less-than-perfect credit history. This makes them an attractive option for those seeking financial assistance in times of need. Additionally, the fast fund disbursement makes online loans a highly desirable choice for many Filipinos.

How to Take an Instant Loan Correctly and Profitably?

The ease and speed of obtaining online loans can be tempting, but it's important to exercise caution and avoid relying on them for every financial need. Failing to consider the long-term consequences can lead to financial instability and potentially a cycle of debt.

Below are the crucial points in securing the right loan:

  1. Honesty is the best policy when applying for loans to avoid negative impacts on your credit score caused by hard credit checks from providing false information.
  2. Applying for loans from multiple lenders at once can harm your credit score, so it's best to limit them.
  3. Allow yourself ample time to explore and analyze various lenders in order to discover the most suitable loan option.
  4. Have a solid repayment plan in place to ensure full and timely repayment, avoiding missed or late payments that can harm your credit score and future loan opportunities.
  5. Before making any final decisions, it is essential to meticulously review and comprehend all loan documents and terms.


Loans have the potential to be both a helpful and harmful financial tool. While they can provide a much-needed boost to achieve financial goals, they can also lead to a cycle of debt if not used responsibly. To make the most of loans, it's crucial to have a clear understanding of your financial situation and develop a well-planned strategy. By making informed decisions and using loans wisely, they can be an effective tool to help you achieve 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 (APR) is an important consideration when selecting a loan, as it represents the interest you'll pay over the loan's term. The APR varies based on the type of loan, the lender, and the repayment schedule. Cash advances carry the highest APR, up to 1386%, while personal loans have a range of 4.99% to 450%. It is critical to review the APR and all other loan terms carefully before signing the loan agreement, as lenders are required to disclose this information by law. Keep in mind that APR rates are subject to change and may fluctuate over time.

Material Disclosure: This website is an advertising referral platform, not a lender or intermediary, connecting borrowers to qualified participating lenders. Participating lenders can 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 may provide these loan amounts, and there is no guarantee of acceptance by any participating lender. The service does not offer any illegal loan products and does not constitute a loan offer or request. There is no commitment to lend, and the platform does not endorse or charge for any service or product. Any compensation received is solely for advertising services provided by participating lenders. This service and offer are void where prohibited. The platform has no control over any lender's actions and is not responsible for them. The platform does not have access to the full loan details, 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 registering on this website, you consent to sharing your information with one or more participating lenders. Using the service does not obligate you to register for credit, initiate contact with a lender, 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. This disclosure is provided for informational purposes only and should not be considered legal advice.

Credit Implications: This website does not make any lending decisions but instead connects you to independent participating lenders who may 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 participating lenders are designed to provide you with short-term cash relief and are not intended to be a long-term debt solution. It is important to borrow only 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 its 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.