During tough times, you may end up asking yourself, “Should I get a personal loan?” Often, the quick answer is a big yes, especially in times of crisis, sudden illnesses in the family, or retrenchment from work. The unexpected events in life may wreak havoc on our finances, after all.
Best personal loan calculator in the Philippines in March 2026
Peronal loan calculator
* Only for informational purposes
Best personal loans in the Philippines ⭐
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Info and reviewLoans 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 reviewLoans 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 the payment terms for the loan by logging in to your Finbro account. Minimum payment – If you cannot make your full repayment yet, Finbro offers the option to make a Minimum payment, which will extend your Next Payment date by 7, 14, or 30 days. Details can be found by logging into your Finbro account.Minimal documentation required Fast processing of the application Loans up to PhP 50,000FinbroGet a loan
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Info and reviewLoans from 1000 PHP to 10 000 PHP Borrow ₱10,000 for 30 days with no interest (new client); repay ₱10,000 only.0% promo Fast processing Easy online form 24/7 availabilityHoneyLoanGet a loan
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Info and reviewLoans from PHP 500 to PHP 50,000 The maximum available amount of loan is up to 50 000 PHP. 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 reviewLoans from 1000 PHP to 25 000 PHP Example calculation: TOTAL LOAN AMOUNT: 1,000 PHP for a period of 3 months. LOAN COMMISSION: 0.00 PHP. Loan amount – 1,000 PHP, duration – 3 months, interest rate – 48% per year. ((48 / 12 * 3) / 100 * 1000) + 1000 = 1,120 PHP. Total amount to be repaid: 1,120 PHP ANNUAL PERCENTAGE RATE (APR): 48%. The loan is granted for a minimum period of 61 days and a maximum of 36 months. The minimum loan amount is 1,000 PHP, and the maximum amount is 25,000 PHP.Fast matching Compare multiple loan offers Online 24/7 application Simple applicationCreditYesGet a loan
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Info and reviewLoans 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 reviewLoans 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 reviewLoans 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 reviewLoans 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
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Info and reviewLoans 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 reviewLoans from PHP 100 to PHP 25000 Example of calculating a loan: Loan size – 1000 PHP, duration – 3 months, interest – 48% per annum. ((48/12 * 3) / 100 * 1000) + 1000 = 1120 PHP. Total amount of payment: 1120 PHP.Fast online approval Low entry amount Available 24/7 No collateralBinixoGet a loan
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Info and reviewLoans 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 reviewLoans 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 reviewLoans 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
A personal loan may just be our lifeline when we need a quick cash infusion. Sometimes, it can be used for major purchases like education, a wedding, or travel. But before you sign the loan documents, make sure you have all the information and tools you need to make a wise financial decision.
Here at Lafingo, it is our goal to help borrowers make the right choices, providing the tools they need, like a personal loan calculator. Here’s what you need to know about personal loans:
Personal Loan: The Basics
Before applying, and finalizing the personal loan deals, you’ll need to understand what exactly you are signing up for.
Personal loans vary from other credit products because you are committed to a monthly instalment loan, meaning you will be paying a fixed amount over an instalment basis, spread over a certain period. You will be paying this fixed amount until you have fully repaid the loan company.
Unlike credit products like an auto loan for vehicle acquisition or a mortgage loan for buying a home, a personal loan offers more flexibility, as you can use the loaned money for whatever purpose you choose.
If you are a newbie in the world of personal loans, then below are some basic terms you’ll need to get familiar with.
- Principal – This pertains to the amount of money you will be borrowing.
- Interest – This is the cost of money, a charge of the lending company for loaning you money, and is typically expressed as a percentage.
- Terms – The duration of the loan, which can be days, months, or years.
- Monthly amortization – This is the fixed amount you will be paying monthly to the loan provider. The monthly amortisation or payment includes the principal and the portion of the interest owed.
What is a personal loan calculator in the Philippines?
A personal loan calculator is an online tool that enables you to figure out how much you’ll be paying in monthly instalments according to the principal amount, interest rate, and loan terms. A loan calculator is useful in helping borrowers avoid borrowing an amount they cannot afford or have difficulty paying every month.
How to use a personal loan calculator
Here’s how you can use an online loan calculator.
- Step 1: Enter the principal amount or the amount you wish to borrow
- Step 2: Choose your payment terms i.e., 3 months, 6 months, and 12 months
- Step 3: See the amount monthly in the loan payment calculator
A personal loan calculator in the Philippines is typically made available by loan companies to help you decide on the loan amount, with some companies offering a simple loan calculator while others offer more complex ones.
How to calculate loan interest
Here’s how you calculate the loan interest in a personal loan.
Multiply the principal loan amount, interest rate, and loan term in years. The result will be the interest.
For example: if you borrow PhP20,000 with a five percent interest rate and a loan term of five years, then the interest would cost PhP5,000 in total.
Alternatively, you can also use a loan interest calculator, provided by many loan providers.
What are the benefits of a loan calculator in the Philippines?
There are many upsides to using a personal loan calculator.
- Informed decision-making – Borrowers can easily make a side-by-side comparison among the loan deals from different lenders, taking into account the interest payments, principal amount, and other fees to be paid.
- Better budgeting – Borrowers can easily calculate whether their desired loan amount will fit their budget and if they can afford the monthly payment. This way, borrowers can avoid overborrowing and further strain their finances.
- Look at different scenarios – The loan calculator lets borrowers view the calculations using various terms, such as longer repayment duration or shorter repayment but higher interest payments.
- Better appreciation of loan terms – Borrowers get a better idea of what the overall cost of the loan is, depending on various loan scenarios.
- Money and time savings – The online loan calculator eliminates errors via manual calculation, allowing users to save time in determining the amount to borrow and even money, as errors are avoided.
- Privacy – Often, personal loan calculators in the Philippines are free and don’t require users to enter their personal information, thus protecting their privacy and even identity.
Our Lafingo online loan calculators offer all these benefits and more. Plus, it’s free to use and user-friendly, too!
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Info and review Moneycat 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
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Info and review CreditYes Example calculation: TOTAL LOAN AMOUNT: 1,000 PHP for a period of 3 months. LOAN COMMISSION: 0.00 PHP. Loan amount – 1,000 PHP, duration – 3 months, interest rate – 48% per year. ((48 / 12 * 3) / 100 * 1000) + 1000 = 1,120 PHP. Total amount to be repaid: 1,120 PHP ANNUAL PERCENTAGE RATE (APR): 48%. The loan is granted for a minimum period of 61 days and a maximum of 36 months. The minimum loan amount is 1,000 PHP, and the maximum amount is 25,000 PHP.Get a loan
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Info and review Finbro 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 the payment terms for the loan by logging in to your Finbro account. Minimum payment – If you cannot make your full repayment yet, Finbro offers the option to make a Minimum payment, which will extend your Next Payment date by 7, 14, or 30 days. Details can be found by logging into your Finbro account.Get a loan
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Info and review Cash2Go 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
Conclusion
Applying for and determining the loan amount to avail of may be an overwhelming task given the many personal loan offerings by different lenders and the varying loan terms and interest rates one can borrow. Fortunately, there are loan calculators in the Philippines, which are very useful tools in comparing loans and making an empowering financial choice. Here at Lafingo, our loan calculators are free for use anytime, so you can make the best decision according to your current cash flow and budget.
Frequently Asked Questions (FAQs) about personal loan calculators 🔍
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What are the advantages of using a loan calculator PH❓
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What information do I need when using the personal loan calculator❓
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How can I compare the loan terms❓
