Looking for the best personal loans in the Philippines? Whether you’re facing an emergency, planning a big purchase, or simply need extra cash, finding a fast, reliable, and low-interest personal loan online can make all the difference. In the Philippines, dozens of SEC-registered lenders now offer instant personal loan approvals, with no collateral required and flexible repayment terms.
Find the Best Personal Loans in the Philippines in June 2025
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Info and reviewLoan from PHP 1,000 to PHP 25,000 Cash2go provides loan offers ranging from ₱1,000 to ₱25,000 for durations of 61 to 120 days. Lending rates vary by lender, with rates from 0% up to a maximum APR of 143%. For example, if you take out a loan of ₱1,000 with an interest rate of 36% per year and plan to repay it in 3 months, the total payment after 3 months would be ₱1,090.Fast processing and approval Personalized approach Intuitive platformCash2GoGet a loan
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Info and reviewLoan from PHP 1,000 to PHP 20,000 Experience easy borrowing with Cash-Express. For a 7-day loan, you’ll benefit from 0% interest on the principal for the first week, transitioning to just 1.99% daily interest after that. Similarly, with a 14-day loan, the interest rate is 1% for the first 14 days, with a low daily rate of 1.99% for any subsequent period.Fast approval; as fast as 5 minutes All digital Easy and intuitive interface Requires only a valid IDCash-expressGet a loan
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Info and reviewLoan from PHP 1,000 to PHP 50,000 Full loan repayment – You can pay the entire loan on or before the Next Payment date without any additional costs. You can check the total amount to be paid and payment terms for the loan by logging into your Finbro account. Minimum payment – In case you cannot pay your full repayment yet, Finbro offers an option to make Minimum payment which will prolong your Next Payment date for 7, 14 or 30 days. Details can be found by logging into your Finbro accountMinimal documentation required Fast processing of the application Loans up to PhP 50,000FinbroGet a loan
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Info and reviewLoan from PHP 1,000 to PHP 25,000 Loan of 20000 ₱ for 6 months, monthly payment 5716 ₱, total amount 34296 ₱, annual percentage rate APR 143%. APR is the total cost of a loan expressed as a percentage of the total amount of loan granted per year. The maximum APR possible is 180%.0% interest rate for new clients Funds transfer to any bank Easy and intuitive interface No employment background checkSoscreditGet a loan
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Info and reviewLoan from PHP 500 to PHP 20,000 MoneyCat understands that not everyone may have a perfect credit history. While a good credit score can be beneficial, it’s not always a strict requirement for loan approval. MoneyCat considers various factors, including your income and repayment capacity, when evaluating loan applications.Fast approvals User-friendly online app 0% interest for new clients All digitalMoneycatGet a loan
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Info and reviewLoan from PHP 1,000 to PHP 25,000 Max. APR (annual percentage rate) 180%. Calculation example: 5000 ₱ and a loan term of 3 months, total payment within 3 months: 14810 ₱, of which interest on the loan: 9810 ₱. The minimum loan repayment period is 3 months and the maximum loan repayment period is 1 year.Zero service charges Zero interest for first-time borrowers Fast loan application decisionCredifyGet a loan
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Info and reviewLoan from PHP 1,000 to PHP 25,000 Credy provides loan offers ranging from ₱1,000 to ₱25,000 for durations of 61 to 120 days. Lending rates vary by lender, with rates from 0% up to a maximum APR of 143%. For example, if you take out a loan of ₱1,000 with an interest rate of 36% per year and plan to repay it in 3 months, the total payment after 3 months would be ₱1,090.0% interest on the first loan Easy online application process Quick feedback, only 10 minutesCredyGet a loan
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Info and reviewLoan from PHP 500 to PHP 50,000 The maximum available amount of loan is up to 50 000 pesos The minimum loan term is from 61 days to 60 months. The minimum interest rate is 11.9% per annum, the maximum is no more than 365% per annum.No background checks Quick loan processing Only reliable lending companiesZaimooGet a loan
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Info and reviewLoan from PHP 1,000 to PHP 25,000 The maximum annual loan rate is 143%. Take the amount of PHP 20,000 and a period of 6 months. In this case, your monthly payment will be only PHP 5,000, and the total cost of interest will be 2,383 pesos monthly. The availability of a loan calculator in the Philippines helps the Filipino have a clear idea about the optimal loan amount, term, and repayment before subscribing to any loans.Only requires one ID 0% IR for first-time borrowers Fast disbursementDigidoGet a loan
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Info and reviewLoan from PHP 500 to PHP 30,000 Assume you apply for a loan of 30,000 PhP at a monthly interest rate of 4.5% for a 3-month period. By the loan’s due date, you’ll be charged an additional 4,050 PhP. Hence, your total repayment will be 34,050 PhP. For further clarity, here are interest calculations that reveal the repayment sum (inclusive of interest) for typical service users. Loan amount: 30,000 PhP; monthly interest: 4.5%; loan term: 3 months. The 3-month period accrues interest at 4.5(%) * 3(months) = 13.5%. This equates to (13.5% * 30,000 PhP (loan amount))/100% = 4,050 PhP (accumulated interest). So, 30,000 PhP (loan amount) + 4,050 PhP (interest) = 34,050 PhP, which is due in three months. If a payment is delayed, the penalty fee is 0.10% daily, but it won’t exceed 10% of the loan amount. In case of significantly overdue payments, your information will be reported to a credit bureau. However, a loan extension can be arranged if the lender is informed promptly (before the loan due date) and if the interest for the original loan period is paid. No extra charges apply for loan extensions.40+ online lending partners Fast application and approval High approval rateMazillaGet a loan
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Info and reviewLoan from PHP 500 to PHP 25,000 Crezu does not charge any service fees. It’s absolutely FREE! The loans offered have minimum repayment terms of 61 days (2 months) and maximum repayment terms of 120 days (4 months). Lending rates vary from lender to lender in the range from 12% to a maximum APR of 36%. For example, for a loan of ₱ 10,000 that will be paid in 3 months, the total payment of the loan will be ₱ 15,000.0% interest on the first loan Does not ask for credit history Easy and fast applicationCrezuGet a loan
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Info and reviewLoan from PHP 1,000 to PHP 50,000 The amount is 30,000 Php, the interest rate per month is 4.5%, and the loan term is 3 months. 4.5 (%) * 3 (months) = 13.5% for 3 months (13.5% * 30,000 Php (loan amount)) / 100% = 4050 Php (amount of accrued interest) 30000 + 4050 = 34050 Php is the amount of money needed to be repaid in 3 months. In case of violation of the terms, the penalty amount is 0.10% of the overdue amount per day, but not more than 10% of the loan amount. In сase of a long delay in repayment, the information will be transferred to the credit bureau. The loan may be extended if the lender is informed in a timely manner (before the loan repayment date) and interest for the initial loan term is paid. There are no additional fees for loan extensions.0% interest rate Applications any time of the day Easy and intuitive interface Fast and reliable seviceCreditniceGet a loan
From Manila to Cebu, Davao to Quezon City, Filipinos are turning to trusted loan comparison platforms like Lafingo to easily compare loan offers, interest rates, and approval times—all in one place. Discover how to apply for a personal loan in the Philippines, what to look out for, and how to stay protected from illegitimate lenders. Compare. Choose. Apply—all online, today.
Many people work long hours day after day, hoping to save up for rainy days and unexpected events. Unfortunately, sometimes, working hard and putting money in savings are simply not enough. Whether for emergencies or basic needs, many turn to an online personal loan company to meet their needs.
The Basics of Personal Loans in the Philippines 📝
A personal loan online is a quick loan that enables borrowers to meet their cash needs. Instant personal loans, as the name suggests, offer a fast approval process and money disbursement, with personal loan lenders approving loans in less than an hour or even as quickly as 10 to 15 minutes.
These lenders do not require collateral or multiple legal documents. Typically, easy personal loan companies only require a completed application form and a valid, government-issued identification card.
In the Philippines, there are plenty of firms offering small personal loans without collateral, all of which claim to be the best personal loan in the Philippines. The legitimate easy personal loans in the country are licensed and registered with the Securities and Exchange Commission (SEC).
Borrowers who want to check the legitimacy of the instant loan provider must check the company’s registration with the SEC.
Who Can Avail of Low Interest Personal Loans? 🔍
Requirements for personal loan online applications may vary from one company to another. But generally, those who meet the requirements below may avail of a low-interest personal loan in the Philippines in 2025.
- A Filipino citizen
- At least of legal age, 18 or 21 years of age at the time of the personal loan online application
- Can prove the source of steady income with income documents such as payslips issued by the employer, income tax returns, certificate of employment, or business registration documents issued by the Department of Trade and Industry, the SEC, or the local government unit
- Holder of a Philippine government-issued ID, including a passport, universal ID, driver’s license, or social security system.
Apply online for a personal loan in as little as 10 minutes!
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Info and review Cash-express.ph Experience easy borrowing with Cash-Express. For a 7-day loan, you’ll benefit from 0% interest on the principal for the first week, transitioning to just 1.99% daily interest after that. Similarly, with a 14-day loan, the interest rate is 1% for the first 14 days, with a low daily rate of 1.99% for any subsequent period.Get a loan
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Info and review Digido.ph The maximum annual loan rate is 143%. Take the amount of PHP 20,000 and a period of 6 months. In this case, your monthly payment will be only PHP 5,000, and the total cost of interest will be 2,383 pesos monthly. The availability of a loan calculator in the Philippines helps the Filipino have a clear idea about the optimal loan amount, term, and repayment before subscribing to any loans.Get a loan
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Info and review Cash2go.ph Cash2go provides loan offers ranging from ₱1,000 to ₱25,000 for durations of 61 to 120 days. Lending rates vary by lender, with rates from 0% up to a maximum APR of 143%. For example, if you take out a loan of ₱1,000 with an interest rate of 36% per year and plan to repay it in 3 months, the total payment after 3 months would be ₱1,090.Get a loan
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Info and review Moneycat.ph MoneyCat understands that not everyone may have a perfect credit history. While a good credit score can be beneficial, it’s not always a strict requirement for loan approval. MoneyCat considers various factors, including your income and repayment capacity, when evaluating loan applications.Get a loan
Factors to Consider When Finding the Best Personal Loans ✅
There are plenty of options for those who wish to process a personal loan online application in the Philippines, as there are many personal loan companies offering quick loans. But when choosing one, borrowers must consider various factors.
Licensed Lenders ⚖️
Unfortunately, some personal loan providers in 2025 in the Philippines are operating illegally. These low-rate personal loan providers were not issued with a Certificate of Authority to Operate as Lending Companies or Financing companies by the Philippine government and are not being regulated by the SEC.
These personal loan providers may offer very low personal loan rates, but their collection practices may violate the borrowers’ rights and privacy. As such, it is best to look for personal loan companies that are licensed and thus regulated by the SEC.
Keep in mind that your need to avail of a personal loan fast does not mean that you will file a personal loan application online with just any entity. Make sure to do your due diligence first and check whether the company is operating legitimately in the Philippines or not.
Transparency 🧾
A licensed personal loan company will be transparent in its dealings with borrowers in compliance with the Truth in Lending Act (R.A. 3765). This law is designed to protect loan borrowers from hidden loan processing charges and unclear lending terms and conditions.
A legit personal loan provider will give you a chance to review the following information before proceeding with the cash disbursement.
- The principal amount to be loaned
- The effective annual interest rate (APR)
- The repayment terms
- The finance charges
Cost and Features 💸
Make sure you check out the costs and features of the personal loan, despite being crunched for time to get your hands on some cash. Personal loans’ terms and conditions vary from one provider to another, which is why borrowers must check out what they are about to avail before signing a loan agreement.
Payment terms 📅
Check out how often you need to make a payment and how much you would be shelling out for each payment. Is it daily, weekly, or monthly? Determine whether you can afford this much payment given the frequency and amount of payment required.
Interest rates 📈
Personal loans with low interest and long repayment periods may appear appealing and sound reasonable for your budget, but they usually cost more in total interest.
- Typically, the personal loan with the lowest annual percentage rate is the cheapest.
- Make sure to find the perfect balance between reasonable interest costs and affordable weekly or monthly payments. Keep in mind that cheap personal loans may come out quite expensive in the end because of the interest payments you’ll have to make.
Fees 🧮
Some personal loans online companies charge processing fees, while others waive them to entice more borrowers to apply for the loans. The processing fees are often between 1% and 10% of the loan amount and are already subtracted from the loan amount before the cash is disbursed to the borrower.
User-friendliness 📱
An online personal loan in the Philippines is typically applied for and processed via an app. It would then be much easier to apply for a personal online loan using a user-friendly app with an intuitive interface or webpage. This way, even technologically challenged borrowers can easily apply for a loan.
Many personal loan providers have a loan calculator on their home pages, allowing borrowers to check out how much they will be paying in weekly or monthly payment instalments or the interest rates they will be paying.
Instantly find the best personal loan rates in the Philippines. Start comparing trusted lenders today! 🚀
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Info and review Cash-express.ph Experience easy borrowing with Cash-Express. For a 7-day loan, you’ll benefit from 0% interest on the principal for the first week, transitioning to just 1.99% daily interest after that. Similarly, with a 14-day loan, the interest rate is 1% for the first 14 days, with a low daily rate of 1.99% for any subsequent period.Get a loan
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Info and review Digido.ph The maximum annual loan rate is 143%. Take the amount of PHP 20,000 and a period of 6 months. In this case, your monthly payment will be only PHP 5,000, and the total cost of interest will be 2,383 pesos monthly. The availability of a loan calculator in the Philippines helps the Filipino have a clear idea about the optimal loan amount, term, and repayment before subscribing to any loans.Get a loan
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Info and review Cash2go.ph Cash2go provides loan offers ranging from ₱1,000 to ₱25,000 for durations of 61 to 120 days. Lending rates vary by lender, with rates from 0% up to a maximum APR of 143%. For example, if you take out a loan of ₱1,000 with an interest rate of 36% per year and plan to repay it in 3 months, the total payment after 3 months would be ₱1,090.Get a loan
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Info and review Moneycat.ph MoneyCat understands that not everyone may have a perfect credit history. While a good credit score can be beneficial, it’s not always a strict requirement for loan approval. MoneyCat considers various factors, including your income and repayment capacity, when evaluating loan applications.Get a loan
How To Compare Personal Loans in 2025
Finding the best personal loan is no walk in the park, especially since there are so many companies promising the lowest personal loan rates. One can feel overwhelmed with the many choices available for availing personal loans with low interest rates.
Borrowers can use a loan comparison provider such as Lafingo to compare personal loan rates and find the best loan terms for their needs, making the task of choosing a personal loan provider easier.
Lafingo does not process loan applications, but it offers useful information for borrowers regarding each legitimate personal loan provider. Here’s how it works.
Find information based on your preferred criteria
Borrowers have various factors to consider when choosing personal loan companies. Some prioritise companies with the best personal loan rates, while others prefer to choose a company that offers them the biggest loanable amount.
At Lafingo, borrowers can search for personal loans according to what they find most important for them. For example, one can search using the following criteria:
- Interest rates
- Maximum loanable amount
- Repayment period
- Approval times
Obtain the latest information
Lafingo offers updated information about personal loan providers and their lowest personal loan interest rate offerings. This way, borrowers get accurate real-time information about loan terms and conditions without having to spend time checking out each loan provider’s sites or brochures.
Plus, borrowers can do a side-by-side comparison of the latest loan offerings. They can also read the reviews of Lafingo experts about the best personal loan app in the market.
Only legit personal loan providers
Lafingo only includes companies with the lowest rate for personal loans that are registered with the SEC. This helps borrowers ensure that they are checking out only legit loan providers with the lowest rate rather than unregistered companies.
Easy interface
At Lafingo, we ensure easy access to information that borrowers need, which is why we made sure that our interface is intuitive. Our site visitors will have an easy time comparing personal loan deals and finding the Lafingo reviews written by our team of experts.
Frequently Asked Questions❓
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How can I verify whether a personal loan provider is licensed or not❓
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How do I find the cheapest personal loan❓
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What does Lafingo offer❓
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Are Lafingo’s comparison services free of charge❓
