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Compare loans

Your independent loan comparison! Compare verified loans from trusted companies and find the right loan for your needs.

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✓ Free comparison ✓ All lenders in one place ✓ No obligation ✓ Approval in 15 minutes

How does loan comparison work?

Three simple steps to finding the best loan in the Philippines

1

Choose your amount

Enter the loan amount you need and the repayment period. Our comparator shows you all matching offers.

2

Compare offers

Compare interest rates, monthly payments and terms from all lenders. All information is transparent with no hidden costs.

3

Apply online

Once you choose the best offer, apply directly on the lender's website. The entire process takes just minutes.

Financial tips and information

Latest articles about loans and personal finance in the Philippines

Independent comparison of loans in the Philippines

Finding a loan that is achievable for the average person can be a very difficult task. It requires credit checks, employment minimums, background examinations, etc. CoolFinance.ph makes it easy by comparing all major lenders in one place.

Whether you need money for a business investment, home renovation, debt repayment, or emergency expenses, we help you find the best loan suited to your individual needs. We compare both bank and non-bank options.

We compare only verified and 100% trusted companies that our analysts have carefully researched. Our comparison is always free and without obligation.

Frequently asked questions

Use CoolFinance.ph to compare interest rates, loan amounts, repayment terms and approval times from all major lenders. Always check the effective interest rate (EIR) which includes all fees and charges.
The Bangko Sentral ng Pilipinas (BSP) is the central bank of the Philippines that regulates all banks and lending institutions. Always verify that your lender is BSP-registered or SEC-registered before applying for any loan.
Yes, many online lenders and fintech companies in the Philippines offer loans without traditional credit history checks. They use alternative data like income, employment status, and digital footprint to assess your creditworthiness.
Most lenders require a valid government-issued ID (SSS, GSIS, PhilHealth, driver's license or passport), proof of income (payslip or ITR), and proof of billing address. Online lenders often require fewer documents than traditional banks.
Online lenders can approve and disburse loans in as little as 15 minutes to 24 hours. Traditional banks like BDO or BPI typically take 3–7 banking days. The fastest options are fintech apps that offer instant approval with minimal documentation.