Asteria Bank
Online loans up to ₱20,000 with flexible terms
₱1K – ₱20K
Interest from 0.80%
Approval: 24 hours
Loan Online
Comparing 52 offers. Updated October 31, 2026.
Best offers – Loan Online 2026
Binixo
Online loans up to ₱20,000 with 0% interest for new customers
₱500 – ₱20K
Interest from 0.00%
Approval: 15 minutes
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
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
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
GCash GLoan
GCash GLoan up to ₱125,000 with instant approval, no documents needed
₱1K – ₱125K
Interest from 1.59%
Approval: Instant
GoTyme Bank
GoTyme Bank is a digital bank in the Philippines backed by Gokongwei Group and Tyme Group, offering personal loans, savings, and a free Visa debit card.
₱5K – ₱250K
Interest from 1.50%
Approval: 1-3 banking days
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
JuanHand
JuanHand quick loans up to ₱50,000 approved in 5 minutes with one ID
₱500 – ₱50K
Interest from 0.75%
Approval: 5 minutes
Kviku
Online loans up to ₱25,000 with flexible terms
₱1K – ₱25K
Interest from 2.50%
Approval: 15 minutes
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
Maya Credit
Maya Credit revolving credit line up to ₱30,000 with instant approval
₱500 – ₱30K
Interest from 1.00%
Approval: Instant
Mazilla
Online loans up to ₱15,000 with flexible repayment
₱1K – ₱15K
Interest from 30.00%
Approval: 15 minutes
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
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
QuickPera
Quick loans up to ₱15,000 with instant approval
₱1K – ₱15K
Interest from 7.00%
Approval: 15 minutes
Robocash
Quick cash loans up to ₱25,000, 0% for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
SeaBank
SeaBank online loans up to ₱25,000 for Shopee users, fast approval
₱1K – ₱25K
Interest from 3.50%
Approval: Minutes
Soscredit
Fast online loans up to ₱25,000 with 0% interest for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Tala
Tala micro-loans up to ₱25,000 approved instantly with just one valid ID
₱200 – ₱25K
Interest from 15.00%
Approval: Instant
Tonik Bank
Tonik Bank personal loans up to ₱50,000 with no credit check required
₱5K – ₱50K
Interest from 4.20%
Approval: Minutes
Zaimoo
Online loans up to ₱25,000 with low interest rate
₱1K – ₱25K
Interest from 0.01%
Approval: 24 hours
Online Loans in the Philippines
Online loans in the Philippines have revolutionized borrowing by making it possible to apply, get approved, and receive funds entirely through a smartphone or computer — without visiting a bank branch. Dozens of SEC-registered fintech companies now offer online loans ranging from ₱500 to ₱50,000, with approval times as fast as 15 minutes.
The typical online loan application process involves downloading an app or visiting a website, filling out a short form with personal and financial information, submitting a selfie and valid ID photo, and waiting for automated approval. Funds are typically disbursed via GCash, Maya, bank transfer, or over-the-counter cash pickup.
Online loans are best suited for short-term needs and emergency expenses. Interest rates are generally higher than bank loans, so it's important to compare all options. Always verify that the lender is SEC-registered to avoid illegal lending schemes. Use CoolFinance.ph to compare all legitimate online loan providers in the Philippines and find the best rates.
Looking for the full picture of loan options in the Philippines beyond purely online applications? See our complete loan comparison guide.