Acom
Cash loans up to ₱500,000 with flexible terms
₱2K – ₱500K
Interest from 3.32%
Approval: 24 hours
Lending Money
Comparing 69 offers. Updated September 27, 2026.
Best offers – Lending Money 2026
Asteria Bank
Online loans up to ₱20,000 with flexible terms
₱1K – ₱20K
Interest from 0.80%
Approval: 24 hours
AUB Credit Cards
AUB Credit Cards with flexible credit limits up to ₱500,000
₱5K – ₱500K
Interest from 5.00%
Approval: 5-7 banking days
AUB Salary Loan
AUB salary loans up to ₱250,000 for employed individuals
₱5K – ₱250K
Interest from 4.00%
Approval: 3-5 banking days
Bank of Commerce
Bank of Commerce personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 6.75%
Approval: 3-5 banking days
BDO
Personal loans from BDO up to ₱1,000,000
₱10K – ₱1.0M
Interest from 25.58%
Approval: 5-7 banking days
Binixo
Online loans up to ₱20,000 with 0% interest for new customers
₱500 – ₱20K
Interest from 0.00%
Approval: 15 minutes
BPI
BPI personal loans up to ₱2,000,000 with flexible terms
₱10K – ₱2.0M
Interest from 25.60%
Approval: 3-5 banking days
Cash Express
Fast cash loans up to ₱20,000 with 0% first loan
₱1K – ₱20K
Interest from 0.00%
Approval: 15 minutes
Cash Loan
Quick cash loans up to ₱15,000 for urgent needs
₱500 – ₱15K
Interest from 20.00%
Approval: 15 minutes
Cash Mart
Cash loans up to ₱30,000 with fast processing
₱2K – ₱30K
Interest from 0.80%
Approval: 1 hour
Cashalo
Digital credit up to ₱10,000 with flexible repayment
₱1K – ₱10K
Interest from 6.95%
Approval: 24 hours
Cashexpress
Online cash loans up to ₱20,000 with 0% first loan
₱1K – ₱20K
Interest from 0.00%
Approval: 15 minutes
Cashspace
Quick online loans up to ₱25,000 with 0% first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Cashwagon
Online loans up to ₱20,000 with 0% first loan
₱1K – ₱20K
Interest from 0.00%
Approval: 15 minutes
Chinabank
China Bank personal loans up to ₱2,000,000
₱50K – ₱2.0M
Interest from 5.00%
Approval: 3-5 banking days
CIMB Bank
CIMB Bank personal loans up to ₱1,000,000
₱30K – ₱1.0M
Interest from 5.90%
Approval: 1-3 banking days
Citibank
Citibank personal loans up to ₱2,000,000
₱10K – ₱2.0M
Interest from 30.90%
Approval: 3-5 banking days
Credify
Online loans up to ₱25,000 with simple requirements
₱1K – ₱25K
Interest from 10.00%
Approval: 24 hours
Creditify
Short-term loans up to ₱25,000 with quick approval
₱1K – ₱25K
Interest from 10.00%
Approval: 15 minutes
Creditnice
Flexible loans up to ₱50,000 with easy requirements
₱1K – ₱50K
Interest from 2.00%
Approval: 24 hours
Credy
Online loans up to ₱25,000 with 0% first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 24 hours
Crezu
Loan comparison service up to ₱25,000 in Philippines
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Digido
Online loans up to ₱25,000 with 0% for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
EastWest Bank
EastWest Bank personal loans up to ₱2,000,000
₱25K – ₱2.0M
Interest from 1.49%
Approval: 3-5 banking days
Finami
Fast online loans up to ₱25,000 with 0% interest
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Finbro
Online loans up to ₱50,000 with 12-month repayment
₱1K – ₱50K
Interest from 10.00%
Approval: 24 hours
Finloo
Online loans up to ₱25,000 with 0% for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Finmerkado
Compare and get loans up to ₱25,000 online
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Home Credit
Home Credit consumer loans up to ₱50,000 with 0% interest
₱2K – ₱50K
Interest from 0.00%
Approval: 1 hour
InstantPera
Instant cash loans up to ₱15,000 online
₱500 – ₱15K
Interest from 20.00%
Approval: 15 minutes
Kviku
Online loans up to ₱25,000 with flexible terms
₱1K – ₱25K
Interest from 2.50%
Approval: 15 minutes
Landbank
Landbank personal loans up to ₱10,000,000
₱10K – ₱10.0M
Interest from 10.00%
Approval: 5-7 banking days
Loan Ranger
Online loans up to ₱10,000 with fast approval
₱500 – ₱10K
Interest from 12.00%
Approval: 24 hours
LoanChamp
Online loans up to ₱20,000 with fast processing
₱1K – ₱20K
Interest from 7.50%
Approval: 24 hours
LoanLoad
Online loans up to ₱50,000 for various purposes
₱1K – ₱50K
Interest from 30.00%
Approval: 24 hours
LoanOnline
Online loans up to ₱25,000 with quick approval
₱1K – ₱25K
Interest from 11.90%
Approval: 15 minutes
Lonify
Online loans up to ₱20,000 for urgent needs
₱1K – ₱20K
Interest from 65.00%
Approval: 24 hours
Maybank
Maybank personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 1.30%
Approval: 5-7 banking days
Mazilla
Online loans up to ₱15,000 with flexible repayment
₱1K – ₱15K
Interest from 30.00%
Approval: 15 minutes
Metrobank
Metrobank loans up to ₱10,000,000 for big financial needs
₱500K – ₱10.0M
Interest from 5.90%
Approval: 5-7 banking days
Metrobank Card
Metrobank credit card with high limit up to ₱500,000
₱5K – ₱500K
Interest from 4.50%
Approval: 5-7 banking days
MoneyCat
Short-term online loans up to ₱20,000 with fast approval
₱1K – ₱20K
Interest from 11.90%
Approval: 15 minutes
MoneyTree
Flexible loans up to ₱10,000 with easy requirements
₱500 – ₱10K
Interest from 10.00%
Approval: 24 hours
Monily
Online loans up to ₱20,000 with quick processing
₱1K – ₱20K
Interest from 30.00%
Approval: 24 hours
MulaLending
Online loans up to ₱50,000 for various needs
₱1K – ₱50K
Interest from 61.00%
Approval: 24 hours
My Cash
Online loans up to ₱25,000 with easy application
₱2K – ₱25K
Interest from 0.80%
Approval: 15 minutes
OFWLoan
Loans for Overseas Filipino Workers up to ₱300,000
₱5K – ₱300K
Interest from 21.00%
Approval: 3-5 banking days
Online Loans Pilipinas
Fast online loans up to ₱20,000 for Filipinos
₱1K – ₱20K
Interest from 1.00%
Approval: 15 minutes
PondoPeso
Online loans up to ₱40,000 with easy requirements
₱500 – ₱40K
Interest from 5.00%
Approval: 24 hours
PSBank
PSBank personal loans up to ₱250,000
₱5K – ₱250K
Interest from 2.50%
Approval: 3-5 banking days
QuickPera
Quick loans up to ₱15,000 with instant approval
₱1K – ₱15K
Interest from 7.00%
Approval: 15 minutes
RCBC Bankcard
RCBC Bankcard with credit limit up to ₱500,000
₱5K – ₱500K
Interest from 5.00%
Approval: 5-7 banking days
RCBC Bankcard Cash Loan
RCBC cash loan up to ₱500,000 with flexible repayment
₱5K – ₱500K
Interest from 1.80%
Approval: 3-5 banking days
Robocash
Quick cash loans up to ₱25,000, 0% for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Security Bank
Security Bank personal loans up to ₱2,000,000
₱25K – ₱2.0M
Interest from 29.48%
Approval: 3-5 banking days
Social Security System Loans
SSS loans for members up to ₱500,000 with low interest
₱1K – ₱500K
Interest from 10.00%
Approval: 5-7 banking days
Soscredit
Fast online loans up to ₱25,000 with 0% interest for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
UnionBank
UnionBank personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 2.00%
Approval: 3-5 banking days
UnionBank Car Loan
UnionBank car loans up to ₱5,000,000 with competitive rates
₱50K – ₱5.0M
Interest from 5.00%
Approval: 3-5 banking days
Uploan
Salary-based loans up to ₱100,000 with low interest
₱5K – ₱100K
Interest from 0.50%
Approval: 24 hours
Welcome Finance Philippines
Welcome Finance personal loans up to ₱500,000
₱5K – ₱500K
Interest from 1.60%
Approval: 3-5 banking days
Zaimoo
Online loans up to ₱25,000 with low interest rate
₱1K – ₱25K
Interest from 0.01%
Approval: 24 hours
Lending Money in the Philippines
Understanding the lending landscape in the Philippines is essential for anyone considering borrowing money. The Philippine lending market includes formal institutions (banks, government agencies, SEC-registered lending companies) and informal sources. Borrowing from legitimate, regulated lenders ensures you are protected by consumer lending laws and the Lending Company Regulation Act.
Registered lending companies in the Philippines must be authorized by the Securities and Exchange Commission (SEC) and must comply with the Truth in Lending Act, which requires full disclosure of all loan costs including interest rates, fees, and penalties. The BSP also regulates interest rate caps for credit cards and consumer loans.
When lending money or taking a loan, always get the agreement in writing, understand all terms and conditions, and keep records of all payments made. Be wary of illegal 5-6 lenders and online scammers posing as legitimate lenders. CoolFinance.ph lists only verified, SEC-registered lenders and BSP-regulated banks to ensure you borrow safely and fairly.