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Special Offer Instant Loan

High Approval Rate & Low APR

Find out if you qualify by responding to a few questions

Are you over 21?

Are you employed?

Who is eligible to apply?

  • 21-70 years old
  • Employed individuals and selected professionals
  • Filipino Residents


  • Enjoy the convenience of conducting hassle-free transactions from the comfort of your home.
  • Say goodbye to the inconvenience of physically visiting a location to complete your financial transactions.
  • Experience fast and seamless online transactions without having to leave your home or office.
  • Receive up to ₱10,000 directly in your bank account in just four minutes with our quick and efficient system.
  • Forget about complicated documentation, large deposits, or the need for guarantors.
  • Our fully automated service provides the ultimate solution for all of your financial requirements.


Secure a quick and simple online Loan with no fuss.

  • Enjoy repayment flexibility with the option to pay in installments.
  • Choose a repayment period that works for you, ranging from 3 to 6 months.
  • Borrow any amount from ₱ 10,500 to ₱ 25,000 for your financial needs.
  • Benefit from a low monthly interest rate of 11.9% with our Loan offer.
  • Transparent and fair lending practices guaranteed, with a maximum APR of 143%.

Representative example:

Let's say you want to borrow PHP 20,000 and opt for a 6-month repayment period. That means you'll have to pay PHP 5,000 every month. However, it's essential to understand that the loan's total cost will be PHP 2,383 per month, with an annual percentage rate (APR) of 143%. The APR reflects the additional cost of borrowing, such as fees and interest rates, for a year. 

Online Loans in the Philippines

Although the age-old advice of reducing expenses and avoiding loans persists, many people desire financial stability, regardless of their background. Nonetheless, loans can be instrumental in improving one's financial situation when used judiciously.

For instance, borrowing money for professional development or skill acquisition can have long-term benefits. Conversely, loans taken out to indulge in consumerism or leisure activities can jeopardize financial stability. The critical aspect is not whether loans exist, but rather how they are employed. Using loans intelligently can pave the way to financial freedom, while imprudent borrowing can lead to financial hardship.

How do Instant Loans Work in the Philippines?

In the rural regions of the Philippines, traditional banking services may not be readily available, leaving a large number of people without access to conventional banking options. This creates a challenging situation, as many are forced to travel to densely populated cities, where they encounter congested banks and time-consuming services due to the high number of customers and complicated documentation procedures.

However, acquiring an online loan is a swift and convenient process, necessitating only a valid identification card and income verification. All that is required is to establish an account on an online portal, present the required documentation to prove creditworthiness, and receive a decision within minutes. With a high level of internet penetration in the Philippines, online loans have grown in popularity for urgent financial needs. They offer a hassle-free and rapid solution, removing the need to journey to far-flung banks and endure long queues.

Are Online Loans Legit?

It's crucial to exercise caution when dealing with online lending companies, as not all of them operate legally. To legally operate, online lending companies in the Philippines must register with the SEC and have a physical office. Unfortunately, some illegal lenders take advantage of customers by conducting their business solely online and employing unethical practices. It's not always easy to tell the difference between legitimate and illegal lenders, especially when looking for instant loans online. That's why it's important to verify a lender's legitimacy by checking their SEC registration details on the SEC website. Digido, one of our esteemed partners, is a reputable online lender that holds a full license with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Always take the time to research and ensure that you're working with a trustworthy online lender to avoid potential financial losses.

What are Online Loans?

Building a strong financial foundation takes discipline and careful planning. However, life often throws unexpected expenses our way, and we may need to turn to loans from friends, family, banks, or lenders. While banks offer competitive interest rates and flexible loan terms, the process of obtaining a bank loan can be complicated and stressful. This is why many people seek out alternative options such as online loans or loans from private lenders. Online loans provide an accessible and convenient solution for those who require fast cash without the inconvenience of leaving home or extensive research.

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

  1. Say goodbye to the hassle of traditional loans and obtain loans from the comfort of your home or office with online lending.
  2. Online lenders are available 24/7, making it convenient to get a loan at any time.
  3. Online loans have a simple and straightforward documentation process, with no need for collateral or a guarantor.
  4. Automated systems handle loan evaluations, decision-making, and fund transfers in a fair and efficient manner, saving you time and stress.
  5. Your financial information is kept private and secure, with no need to share details with banking professionals.
  6. Enjoy fast loan processing and disbursement with online loans, which are also known as "Same Day Loans".
  7. Online lenders boast an impressive 90% loan approval rate and don't engage in cross-selling like some banks.
  8. Online loans offer flexibility to cater to any purpose, whether it's for personal or business use.
  9. Easily manage your loan payments and keep track of your repayment schedule with online loan management tools.

The convenience and accessibility of online loans have made them increasingly popular in the Philippines. These loans have minimal documentation requirements and a high rate of approval, making them an appealing option for Filipinos seeking financial assistance, even those with poor credit. The quick fund disbursement is an added advantage that further contributes to their appeal.

How to Take an Instant Loan Correctly and Profitably?

The ease of accessing fast funds via online loan services can be tempting, causing some individuals to rely on them for all their financial needs without careful thought. This impulsive behavior can create financial chaos and ultimately lead to a cycle of indebtedness.

Below are the crucial points in securing the right loan:

  1. To avoid negative consequences, it's best to be truthful when applying for loans. Providing false information can result in a hard credit check, damaging your credit score and making it harder to obtain good loans in the future.
  2. Don't apply for loans from multiple lenders simultaneously to prevent your credit score from taking a hit.
  3. Shop around and compare loan options from different lenders to find the one that best suits your needs.
  4. Develop a solid repayment plan to ensure timely and full loan payments. Late or missed payments can hurt your credit score, making it more difficult to secure good loans in the future.
  5. Carefully read and understand all loan documents and terms before making a final decision.


Taking out a loan is a complex decision that requires careful consideration. While loans can provide a much-needed financial boost, they can also lead to debt if not used responsibly. It's crucial to have a thorough understanding of your financial situation and a clear plan before taking out a loan. By making informed decisions and prioritizing your needs, loans can be a powerful tool to help you achieve your financial goals and attain a sense of financial independence.

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: The Annual Percentage Rate (APR) is a crucial factor to consider when selecting a loan, as it represents the interest you will be charged over the loan's lifespan. The APR considers the loan amount, fees, and repayment schedule and can vary significantly depending on the type of loan and lender. Personal loans, for example, may have APRs ranging from 4.99% to 450%, while cash advances may have rates as high as 1386%. It's essential to review the APR and all other loan terms carefully before signing a loan agreement. By law, lenders must disclose this information, but keep in mind that APR rates may fluctuate over time.

Material Disclosure: We are not a lender, intermediary, or representative of any lending organization. Instead, we are an advertising referral platform that connects potential borrowers with qualified participating lenders. These lenders may 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. Please note that not all lenders can provide these loan amounts, and there is no guarantee of acceptance by any participating lender. Our service does not constitute a proposal or request for any illegal loan product. It is not a specific loan offer, and there is no commitment to lend. Our platform does not endorse or charge for any service or product, and any compensation received is solely for advertising services provided by participating lenders. This service and offer are null and void in prohibited areas. We have no control over the actions of any lender and are not responsible for them. We do not have access to the full details of your loan, including the APR. For more information on 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. Using 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. Some faxing may be required. These disclosures are provided for informational purposes only and should not be considered as legal advice.

Credit Implications: We do not make any lending decisions, but we connect you to independent participating lenders who may evaluate your creditworthiness and credit history by conducting checks with credit reporting agencies or obtaining consumer reports through alternative providers. By submitting your information, you consent to these participating lenders verifying your details and credit history. The loans offered by participating lenders are intended to provide you with short-term cash relief and are not a long-term debt solution. Borrow only what you can repay on your next payday, and consider seeking expert financial advice for your needs, the risks involved, and alternative options to short-term loans. Late loan payments could result in added fees or collection actions, or both. Every lender operates under their own set of terms and conditions, so be sure to review them for more information. Failing to repay a loan could lead to collection activities. Every lender has a unique renewal policy, so be sure to review the policy of your lender before proceeding.