Need a personal loan with no credit check in the Philippines? Whether you live in Metro Manila, Cebu, Davao, or any other region, no credit check loans provide a fast and accessible way to get funding – even with bad credit or no credit history. Many online lenders in the Philippines offer quick approval and flexible repayment terms, making them ideal for emergencies or urgent financial needs. Explore your options now, including payday loans, salary advances, and peer-to-peer platforms – no credit score required.
Fast loans with no credit check 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
A loan without a credit check is the perfect solution for borrowers with either a low credit score, and poor or no credit history.
What are the Different Urgent Loans with No Credit Check in the Philippines? 🚀
Borrowers can consider these loan types with no credit check:
Online loan without a credit check
Borrowers can opt for an online loan with no credit check offered by fintech or digital loan companies. Online loans with no credit check only look at other factors such as employment, income, and the borrower’s financial behaviour.
Payday loans
Many of the lenders offering no credit check loans guaranteed approval in the Philippines are actually offering payday loans. This kind of no credit check loan needs to be paid by the borrower by the next pay day with high interest and a short-term repayment period.
Payday loans no credit check offer a small amount, and borrowers will typically have to pay high processing fees and late payment penalties.
Salary advance from the employer
Salary advances from an employer are one of the urgent loans with no credit check, as borrowers simply get an advance of their upcoming salary. On average, this kind of loan has zero to low processing fees for the borrower.
Secured loans
This loan requires borrowers to pledge their assets, like a car or a home, as collateral, which is why the lender no longer conducts credit checks. The asset acts as security, which is why the borrower’s application gets approved even without a credit history.
Peer-to-peer lending
Some online platforms connect borrowers to individual lenders who do not require credit checks. The interest rate for peer-to-peer lenders often varies from one individual to another.
⭐ Find the best loan without a credit check near you
Get access to same-day personal loans in the Philippines – no credit check, no hassle.
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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
No Credit Check Loans in the Philippines: Why Get Them? 💳
Borrowers with a poor credit history and first-time borrowers often have difficulties getting their loan application approved. Lending companies, after all, are cautious about releasing funds to borrowers as their collection rate and overall financial health can be badly hit when many borrowers fail to settle their loan payments.
Those with a less-than-stellar credit score and history, as well as first-time loan borrowers, still have other options. There are, after all, no credit check loans they can avail.
In this post, we’ll look at how loans with no credit check work, their pros and cons, and other essential items borrowers need to know.
What are Personal Loans With No Credit Check? 🧾
Financial firms check the credit history of borrowers in order to protect the firm’s overall financial health. A high number of nonperforming loans (NPL) – loans with default payments because the borrowers failed to pay – can leave the lending company in a lot of trouble.
Lending companies must be able to recoup the majority of the money they have loaned, or they risk financial ruin. Checking a borrower’s creditworthiness enables lending companies to know how the loan applicant has handled credit in the past, as well as his or her outstanding credit.
Credit checking gives lenders an idea of whether a person is capable of repaying the loan. Loans without credit check are loans that do not require looking at the borrowers’ credit history. Typically, loan companies only look at the following things:
- Income
- Employment status
- Ability to repay the loan
⭐ Compare No Credit Check Loans Now
See legit lenders offering fast approval – even with bad or no credit. Apply online in minutes!
Pros and Cons of Loans with No Credit Check
While no credit check loans in the Philippines offer fast approval and accessibility for those with poor or no credit history, they also come with trade-offs. Before applying, it’s important to weigh the advantages and disadvantages to determine if this type of loan fits your financial needs and repayment capacity.
Pros ✅
- No required credit score – No credit check loans are suitable for those with no credit history or a poor credit score.
- Quicker disbursement – The approval process and cash disbursement are quicker than traditional loan types.
- Variety of options – Borrowers have the option of taking out secured loans, payday loans, salary advances, or fintech lenders.
Cons ⚠️
- Shorter repayment period – No credit loans often have shorter repayment periods than other loans.
- Lower principal amount – Online loans with no credit check typically have smaller loanable principal amounts. This is why there are plenty of 1k loans with no credit check in the market.
- Potential hidden charges – Some lenders charge hidden fees, which is why borrowers are advised to read the loan agreement before signing.
Frequently Asked Questions❓
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Are there loans available in 15 minutes with no credit check in the Philippines❓
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Are no credit check loans guaranteed approval❓
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Are there reviews available on lenders offering loan with no credit check❓
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Can I get a no credit check loan without a payslip❓
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What’s the maximum amount I can borrow with no credit check❓
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Is it safe to apply for no credit check loans online❓
