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Get an Online Loan up to ₱ 25000 Today!

Pay 0% Interest for 7 Days!

Discover whether you are eligible with only a few simple questions

Are you over 21?

Are you employed?

Who is eligible to apply?

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


  • Conduct financial transactions easily and without stress, from the comfort of your own home.
  • Avoid the hassle of physical visits or in-person meetings, as all transactions are conducted online.
  • With our fast and efficient system, you can receive up to ₱ 10,000 in just four minutes, directly deposited into your bank account.
  • Skip the need for guarantors, complicated documentation, or large deposits with our straightforward process.
  • Our fully automated service provides a one-stop solution for all your financial needs.


Get an Instant Online Loan with comfortable payment terms and easy installment options.

  • Choose your preferred loan period from options of 3, 4, 5, or 6 months.
  • Borrow amounts between ₱10,500 to ₱25,000 to meet your financial needs.
  • Enjoy competitive interest rates of just 11.9% per month (maximum APR=143%).

Representative example:

Our lending service provides a hassle-free application process for PHP 20,000 loans, with flexible repayment options to suit your needs. You can select a repayment period of six months, with monthly payments of only PHP 5,000. This option allows you to budget your finances effectively and make manageable payments. Additionally, the total cost of the loan per month is relatively low at PHP 2,383, including an annual percentage rate (APR) of 143%. Remember, APR takes into account the cost of borrowing over a year, which is essential to consider before applying for a loan.

Online Loans in the Philippines

Although the age-old counsel of economizing and steering clear of loans persists, numerous individuals strive to attain financial stability irrespective of their background. Loans, however, can be an essential instrument in elevating one's financial standing when used appropriately.

For instance, availing a loan for professional advancement or acquiring new skills can offer long-term advantages. Conversely, loans taken for consumerism or leisure activities will diminish financial stability. The crucial factor is not the existence of loans but rather their wise utilization. Deploying loans wisely can lead to financial autonomy, while unwise borrowing can lead to fiscal destruction.

How do Instant Loans Work in the Philippines?

In rural regions of the Philippines, many individuals are unable to access formal banking services, which leaves them without traditional banking alternatives. As a result, they must travel to urban areas, where they encounter crowded banks and slow service due to high customer volume and lengthy documentation processes.

Conversely, acquiring an online loan is an easy and accessible procedure that only necessitates a valid identification and evidence of earnings. Simply create an account on an online platform, submit the necessary documents to demonstrate creditworthiness, and receive a verdict within minutes. Online loans have become a preferred option for immediate financial requirements in the Philippines, where Internet penetration rates are high. They offer ease and speed without the inconvenience of traveling to distant banks and waiting in lengthy lines.

Are Online Loans Legit?

It's crucial to exercise caution when dealing with online lending companies, as not all of them are legal. In order to operate legally, these companies must register with the SEC and have a physical office in the Philippines. Unfortunately, some illegal lenders take advantage of customers through unethical practices, operating solely online. When looking for instant loans online, it can be difficult to differentiate between legitimate and illegal lenders. To ensure that you're working with a trustworthy lender, it's important to verify their details on the SEC website. For instance, our partner Digido is a fully licensed company with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Always take the time to do your research and confirm that you're dealing with a reputable online lender.

What are Online Loans?

Becoming financially independent requires meticulous planning and self-discipline, but unforeseen expenses can disrupt even the most well-thought-out financial strategies. Borrowing money from friends, family, banks, or lenders may become essential in such circumstances. While banks offer low interest rates and adaptable loan terms, obtaining a bank loan can be challenging and involves numerous obstacles. For this reason, people frequently explore alternative options such as lender loans or online loans. Online loans offer a convenient solution for those seeking quick cash without leaving their home or spending time looking for the best deal.

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

  1. Simplify your loan application process with online lending from the comfort of your home or office.
  2. You can get a loan anytime from online lenders who are available around the clock, ensuring maximum convenience.
  3. No collateral or guarantor is required for online loans, and the documentation process is straightforward.
  4. Automated systems handle loan evaluations, decision-making, and fund transfers fairly and efficiently.
  5. Your financial information is kept private, and there's no need to share details with banking professionals.
  6. Get your loan applications approved and disbursed within hours with online loans, also known as "Same Day Loans."
  7. Enjoy a high loan approval rate of 90% with online lenders who don't engage in cross-selling like some banks.
  8. Online loans offer the flexibility to cater to any purpose, making it suitable for a variety of uses.
  9. Stay on top of your loan payments with online loan management tools.

The easy availability and accessibility of online loans in the Philippines have made them increasingly popular among Filipinos seeking financial assistance. These loans are particularly attractive due to their high approval rate, which even extends to those with a less-than-perfect credit history. Furthermore, the convenience of minimal documentation requirements and speedy fund disbursement only enhances their appeal.

How to Take an Instant Loan Correctly and Profitably?

The temptation of obtaining immediate financial relief through a straightforward online loan procedure can be enticing, prompting some people to rely on these loans for any monetary need without adequate evaluation. This course of action can trigger financial turmoil and ultimately lead to a vicious cycle of indebtedness.

Below are the crucial points in securing the right loan:

  1. Always be truthful when applying for loans to avoid negative outcomes such as a hard credit check, which can impact your credit score and make it harder to obtain good loans in the future.
  2. Avoid applying for loans from multiple lenders simultaneously to prevent your credit score from being negatively impacted.
  3. Take time to compare loan options from different lenders to find the one that suits you best.
  4. Ensure that you have a solid repayment plan in place to make sure you repay the loan in full and on time.
  5. Thoroughly review and understand all loan documents and terms before making a final decision.


Loans are a powerful financial tool, but they come with a caveat. While they can provide the necessary funds to achieve your financial goals, they can also become a source of debt if not handled responsibly. The secret to successful loan management lies in a thorough understanding of your financial status and a strategic plan that works for you. By taking the time to assess your requirements and making informed decisions, loans can become a valuable ally on your path to 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: When you are seeking a loan, it's important to understand the Annual Percentage Rate (APR), which represents the interest you'll be charged over the course of the loan. This rate takes into account the loan amount, fees, and repayment schedule. APRs can vary widely depending on the type of loan and lender. For example, cash advances often have the highest rates, reaching up to 1386%, while personal loans can have APRs ranging from 4.99% to 450%. Before signing a loan agreement, it's essential to carefully review the APR and other terms to make an informed decision. Remember that APR rates can change and fluctuate over time.

Material Disclosure: We are not a lender, intermediary, or representative of any lending organization. Instead, we connect potential borrowers with qualified participating lenders through our advertising referral platform. These lenders may offer cash advances ranging from ₱10,000 to ₱25,000, installment loans up to ₱100,000, and personal loans up to ₱500,000. However, not all lenders can provide these loan amounts, and there is no guarantee of acceptance by any participating lender. It's important to note that our service does not promote or request any illegal loan product, and there is no commitment to lend. We don't endorse or charge for any service or product, and any compensation we receive is solely for advertising services provided by participating lenders. Our service and offer are not available in prohibited areas, and we are not responsible for any lender's actions. We do not have access to the full details of your loan, including the APR. For more information about your loan, such as specific terms, interest rates, renewal options, payment details, and potential consequences for missed payments, please contact your lender directly. By providing your registration information, it may be shared with one or more participating lenders. Our service doesn't obligate you to register for credit or any loan product, accept a loan from a participating lender, or initiate contact with a lender. Repayment terms, cash transfer times, and local regulations may vary among lenders, and some faxing may be required. These disclosures are for informational purposes only and should not be construed as legal advice.

Credit Implications: We don't make any lending decisions, but we connect you to independent participating lenders who may assess your creditworthiness and credit history. They may conduct checks with credit reporting agencies or obtain consumer reports through alternative providers. By submitting your information, you consent to these participating lenders verifying your details and credit history. Keep in mind that the loans offered by participating lenders are intended to provide you with short-term cash relief and aren't a long-term debt solution. It's crucial to borrow only what you can pay back on your next payday. You may want to 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 has its own terms and conditions, so make sure to review them for more information. If you fail to repay a loan, it could lead to collection activities. Also, every lender has a unique renewal policy, so review your lender's policy before proceeding.