Need long-term loans in the Philippines with flexible repayment terms? Whether you’re in Manila, Cebu, or anywhere nationwide, Lafingo lets you compare legit lenders offering extended loan terms – all in one place. Find the best long-term loan deals today at Lafingo.
Search for the best long-term loans in July 2025 🇵🇭
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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 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 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 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 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 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 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 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
Borrowing money is a tool used both locally and globally to achieve one’s goals or meet immediate needs. A loan can also be key to achieving a major goal in life. If you are starting your journey in lending, then consider long-term loans, their advantages, and how they work.
What is a long-term loan❓
A long-term loan refers to borrowing a larger amount of money with a longer repayment period than short-term loans. The repayment period for an online loan with long-term payment in the Philippines is typically longer than 12 months.
For many, a long-term loan enables them to achieve their goals, including the acquisition of major items for investing in property or education, or expanding the business.
Loans as the long-term solution in the Philippines 🏆
In the Philippines, one can avail oneself of different loans with long-term payments. Here are some long-term loan examples for Filipinos.
Auto loans
As the name implies, auto loans are for borrowers who need financing for the acquisition of their new vehicles. One can borrow funds for a car, SUV, truck, pick up or even two-wheelers. Auto loans can be paid over a year or up to seven years.
Home loans
Home loans, also referred to as mortgages, are long-term loans that are used to purchase a home. The house to be bought will be used as collateral until the borrower can pay for the home loan. Mortgages are usually repaid over 15 to 30 years.
Business loans
A business loan is another example of a loan with a long-term payment. It can be used to start or expand a current business and usually can be repaid within five years or more.
Personal loans
Some loans can be long-term personal loans, which can be used for a variety of purposes, including debt consolidation, education, or home improvement. Long-term personal loans have longer repayment periods than fast, short-term personal loans.
How to avail of a long-term loan in the Philippines in 2025? ✅
Here’s how you can avail of long-term loans in the Philippines:
- Find your preferred lender – Make a list of the potential long-term loan providers and compare their offers. Make sure to look at various factors like loan amount, repayment terms, annual percentage rates, and fees. Choose a loan provider after comparing them.
- Process the application – You need to complete the application form and submit the documents required by the long-term loan provider. Typically, companies ask for a valid ID, income documents, or business registration, and other documents, which you need to submit using their loan app.
- Wait for approval and the cash disbursement – Long-term loan companies usually take longer to disburse loaned money to borrowers than fast loan providers. Make sure to provide the correct information and complete documents to avoid any delays in the approval and disbursement.
Compare the best online loans with long-term payments in the Philippines 🚀
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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
Advantages of an online loan with long-term payment 🔎
Long-term loans in the Philippines offer various benefits when compared to short-term, quick loans. Here are some of them:
- Lower interest rates – Long-term online loans offer lower interest rates than quick loans, given that their repayment period is longer.
- Longer payments – The extended repayment terms of long-term loans offer more flexibility as borrowers can opt to pay in monthly installments, making the payments easier to manage.
- Bigger principal – A long-term loan is characterized by a higher principal amount. This means a borrower can avail of a higher credit amount from a long-term cash loan than a short-term, quick loan, since the repayment period is longer.
- Flexibility– Long-term loans offer flexibility as they allow borrowers to achieve a wide range of milestones with the loaned amount. Borrowers can, after all, buy a home or car, or finance travel or education using the money from the long-term loan.
Frequently Asked Questions about❓
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Are all long-term online loan app the same❓
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Where can I find cash loan long-term providers❓
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How can I compare long-term loan in the Philippines❓
