Takes only 5 minutes!

Secure Your Initial Loan

With Absolutely No Interest

for a Full Week!

Respond to a few inquiries to determine your eligibility

Are you over 21?

Who is eligible to apply?

  • Employed individuals and selected professionals
  • Filipino Residents


  • Enjoy effortless and hassle-free transactions from the convenience of your own home.
  • Embrace the convenience of conducting all operations online, eliminating the need to leave your house or visit a physical location.
  • Experience the speed and efficiency of our system, allowing you to receive up to ₱ 10 000 in a mere four minutes, directly deposited into your bank account.
  • Bid farewell to the need for guarantors, convoluted paperwork, or substantial deposits.
  • Our fully automated service provides the ultimate answer to your financial requirements.


Discover the convenience of an Instant Online Loan, a virtual installment credit option featuring flexible and convenient payment terms.

  • Choose from a range of loan durations: 3, 4, 5, or 6 months.
  • Access a loan amount that suits your needs, ranging from 10,500 to 25,000.
  • Benefit from competitive interest rates of 11.9% per month, ensuring affordability and transparency (maximum APR=143%).

Representative example:

Upon applying for a PHP 20,000 loan with a repayment duration of 6 months, your monthly installment will amount to a mere PHP 5,000. Rest assured, the overall cost of the loan will be a modest PHP 2,383 per month (APR=143%).

Online Loans in the Philippines

In the pursuit of financial stability, individuals across different demographics often strive to achieve it, despite the conventional wisdom of cost-cutting and loan avoidance. Interestingly, loans can actually serve as catalysts for improving one's financial standing, provided they are utilized judiciously. For instance, leveraging a loan for professional development or acquiring new skills can yield enduring advantages. Conversely, loans used for indulging in consumerist habits or leisurely pursuits can undermine the very foundation of financial stability. The crux lies not in the mere presence of loans, but rather in their astute utilization. By employing loans wisely, individuals can pave their path towards financial independence, while imprudent loan practices may well lead to financial downfall.

How do Instant Loans Work in the Philippines?

In the remote regions of the Philippines, traditional banking services often remain out of reach, leaving a significant portion of the population without access to conventional financial solutions. Consequently, this creates a dual challenge where individuals must undertake arduous journeys to bustling urban centers, only to encounter crowded banks and sluggish service due to overwhelming customer influx and protracted documentation procedures. Conversely, procuring an online loan presents a swift and attainable alternative, necessitating nothing more than a valid identification and proof of income. Merely by establishing an account on a secure online platform and furnishing the requisite documentation to substantiate creditworthiness, one can expect a prompt decision within minutes. Given the pervasive Internet penetration in the Philippines, online loans have emerged as the favored recourse for urgent financial exigencies. Offering unparalleled convenience and expedition, they circumvent the hassles of extensive travel to distant banks and interminable queues.

Are Online Loans Legit?

Not every digital lending company can claim legality, underscoring the importance of exercising caution. To operate within the bounds of the law, online lending companies are required to register with the SEC and maintain a physical presence in the Philippines. Nevertheless, some unscrupulous lenders exploit unsuspecting customers by exclusively operating in the virtual realm, engaging in unethical practices. The task of distinguishing between lawful and illicit lenders while seeking instant online loans can prove challenging. To ascertain the legitimacy of a lender, it is imperative to verify their information on the SEC website. As an illustration, Digido (a valued partner of ours) stands as an entirely authorized entity, holding the esteemed SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Prioritizing diligent research is vital to ensure a seamless partnership with a reputable online lender.

What are Online Loans?

Attaining financial independence demands meticulous strategizing and unwavering discipline, yet unforeseen expenses possess the potential to disrupt even the most meticulously crafted financial blueprints. During such predicaments, seeking assistance from acquaintances, family members, banks, or other lenders may become a necessity. However, despite banks offering favorable interest rates and flexible loan terms, securing a bank loan can prove to be a daunting ordeal, fraught with numerous hurdles. Consequently, individuals often turn to alternative avenues such as lender loans or the ever-convenient online loans. Online loans serve as a hassle-free remedy for those urgently requiring swift funds, eliminating the need to venture outside their homes or expend efforts in scouting for the most favorable terms.

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

  1. Acquire loans effortlessly from the convenience of your home or office through online lending.
  2. Accessible 24/7, lenders ensure the convenience of obtaining a loan at any time.
  3. Experience a streamlined documentation process with online loans, eliminating the need for collateral or a guarantor.
  4. Loan evaluations, decision-making, and fund transfers are efficiently handled by automated systems, ensuring fairness and expediency.
  5. Safeguard your financial information as online loans eliminate the necessity of sharing details with banking professionals.
  6. Expedite loan applications and disbursements within hours through online loans, renowned as "Same Day Loans."
  7. Benefit from an impressive 90% loan approval rate offered by online lenders, who refrain from cross-selling practices unlike certain banks.
  8. Enjoy the versatility of online loans, catering to a diverse range of purposes.
  9. Effortlessly monitor loan payments with user-friendly online loan management tools.

The realm of online loans in the Philippines has witnessed an unprecedented surge in popularity, thanks to their unparalleled convenience and effortless accessibility. These loans have emerged as an alluring choice for Filipinos seeking financial aid, courtesy of their minimal documentation prerequisites and an impressive loan approval rate, accommodating even those with less-than-perfect credit histories. Moreover, the swift disbursement of funds serves as an added advantage, further enhancing their appeal to the masses.

How to Take an Instant Loan Correctly and Profitably?

The allure of obtaining immediate funds through a seamless online loan process can be captivating, causing certain individuals to rely on these loans for every financial need without careful deliberation. However, such an approach can pave the way for financial turmoil, ultimately leading to a perilous cycle of indebtedness.

Below are the crucial points in securing the right loan:

  1. Embrace honesty as your guiding principle when applying for loans, as providing false financial information may trigger a lender to conduct a detrimental hard credit check, potentially impeding your ability to secure favorable loans down the line.
  2. Steer clear of applying for loans simultaneously from multiple lenders, as each credit check can exert a downward pressure on your credit score. Thus, it is wise to exercise restraint in this regard.
  3. Allocate ample time to meticulously explore various loan options by comparing offerings from different lenders, ensuring that you secure the best possible choice.
  4. Formulate a robust repayment plan, outlining a clear path to settle the loan in full and on schedule. Timely and complete payments are crucial to safeguarding your credit score and maintaining future access to favorable loan terms.
  5. Exercise prudence by thoroughly examining and comprehending all loan documents and terms before reaching any final decisions. This careful scrutiny is essential to ensure that you fully grasp the implications of the loan agreement.


The concept of loans embodies a dual nature, akin to a double-edged sword. On one edge, loans serve as a catalyst, empowering individuals to propel themselves towards their desired objectives. Yet, on the opposing edge, if mishandled or obtained haphazardly, loans possess the potential to ensnare individuals within a disheartening cycle of indebtedness. To wield the power of loans with finesse, one must possess a comprehensive comprehension of their financial standing, complemented by a well-crafted strategy. Through a judicious evaluation of one's needs and the exercise of sound judgment, loans can metamorphose into invaluable instruments, propelling individuals steadfastly along their path to financial liberation.

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: Transparency regarding loan terms is paramount, and this includes understanding the Annual Percentage Rate (APR). The APR holds immense significance when selecting a loan, as it encompasses the accrued interest, loan amount, fees, and repayment schedule. Various loans and lenders offer divergent APRs, with cash advances bearing the highest rates (reaching up to 1386%), while personal loans exhibit a spectrum ranging from 4.99% to 450%. Exercise utmost caution by thoroughly examining the APR and all other loan terms prior to affixing your signature to a loan agreement, as lenders are legally obligated to disclose this crucial information. Remember, APR rates are subject to potential modifications and may experience fluctuations over time.

Material Disclosure: The entity responsible for this website does not function as a lender, intermediary, or representative of any lending institution. Rather, we operate as an advertising referral platform, connecting potential borrowers with qualified participating lenders. These lenders have the capability to 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 is important to note that not all lenders have the capacity to provide these specific loan amounts, and acceptance by any participating lender is not guaranteed. Our service does not constitute a solicitation or request for any illicit loan product. This is not an offer for a particular loan, and no commitment to lend is implied. Our platform neither endorses nor charges for any service or product, and any compensation received is solely in exchange for advertising services rendered by participating lenders. This service and offer are void in prohibited areas. We exercise no control over the actions of any lender and assume no responsibility for them. We do not have access to the complete details of your loan, including the Annual Percentage Rate (APR). For comprehensive information regarding your loan, including specific loan terms, interest rates, renewal options, payment details, and potential consequences for missed payments, please contact your lender directly. By submitting your registration information on this website, it may be shared with one or more participating lenders. Utilizing our service does not obligate you to initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Repayment terms, cash transfer times, and local regulations may vary among lenders. Certain instances may require faxing. These disclosures are provided solely for informational purposes and should not be construed as legal advice.

Credit Implications: The entity responsible for this website does not make lending decisions; instead, it connects you with independent participating lenders who may assess your creditworthiness and credit history through credit reporting agencies or alternative providers. By providing your information, you authorize these participating lenders to verify your details and credit history. The loans offered by the participating lenders in our network are designed to offer short-term financial relief and should not be used as a long-term debt solution. It is crucial that you borrow only what you can repay on your upcoming payday. We recommend seeking professional financial advice regarding your specific needs, associated risks, and alternative options to short-term loans. Delayed loan payments may result in additional fees, collection efforts, or both. Each lender operates under their own terms and conditions, so it is important to review them for detailed information. Failure to repay a loan could lead to collection actions. Each lender maintains a distinct renewal policy, so please review your lender's policy before proceeding.