Soscredit
Fast online loans up to ₱25,000 with 0% interest for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Loan Online
Comparing 52 offers. Updated May 4, 2026.
Best offers – Loan Online 2026
MoneyCat
Short-term online loans up to ₱20,000 with fast approval
₱1K – ₱20K
Interest from 11.90%
Approval: 15 minutes
Mazilla
Online loans up to ₱15,000 with flexible repayment
₱1K – ₱15K
Interest from 30.00%
Approval: 15 minutes
Robocash
Quick cash loans up to ₱25,000, 0% for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
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
Binixo
Online loans up to ₱20,000 with 0% interest for new customers
₱500 – ₱20K
Interest from 0.00%
Approval: 15 minutes
Online Loans Pilipinas
Fast online loans up to ₱20,000 for Filipinos
₱1K – ₱20K
Interest from 1.00%
Approval: 15 minutes
MulaLending
Online loans up to ₱50,000 for various needs
₱1K – ₱50K
Interest from 61.00%
Approval: 24 hours
MoneyTree
Flexible loans up to ₱10,000 with easy requirements
₱500 – ₱10K
Interest from 10.00%
Approval: 24 hours
Loan Ranger
Online loans up to ₱10,000 with fast approval
₱500 – ₱10K
Interest from 12.00%
Approval: 24 hours
Cashalo
Digital credit up to ₱10,000 with flexible repayment
₱1K – ₱10K
Interest from 6.95%
Approval: 24 hours
My Cash
Online loans up to ₱25,000 with easy application
₱2K – ₱25K
Interest from 0.80%
Approval: 15 minutes
Cash Mart
Cash loans up to ₱30,000 with fast processing
₱2K – ₱30K
Interest from 0.80%
Approval: 1 hour
Lonify
Online loans up to ₱20,000 for urgent needs
₱1K – ₱20K
Interest from 65.00%
Approval: 24 hours
Cashwagon
Online loans up to ₱20,000 with 0% first loan
₱1K – ₱20K
Interest from 0.00%
Approval: 15 minutes
Asteria Bank
Online loans up to ₱20,000 with flexible terms
₱1K – ₱20K
Interest from 0.80%
Approval: 24 hours
LoanLoad
Online loans up to ₱50,000 for various purposes
₱1K – ₱50K
Interest from 30.00%
Approval: 24 hours
InstantPera
Instant cash loans up to ₱15,000 online
₱500 – ₱15K
Interest from 20.00%
Approval: 15 minutes
LoanChamp
Online loans up to ₱20,000 with fast processing
₱1K – ₱20K
Interest from 7.50%
Approval: 24 hours
PondoPeso
Online loans up to ₱40,000 with easy requirements
₱500 – ₱40K
Interest from 5.00%
Approval: 24 hours
Home Credit
Home Credit consumer loans up to ₱50,000 with 0% interest
₱2K – ₱50K
Interest from 0.00%
Approval: 1 hour
Cash Loan
Quick cash loans up to ₱15,000 for urgent needs
₱500 – ₱15K
Interest from 20.00%
Approval: 15 minutes
Monily
Online loans up to ₱20,000 with quick processing
₱1K – ₱20K
Interest from 30.00%
Approval: 24 hours
QuickPera
Quick loans up to ₱15,000 with instant approval
₱1K – ₱15K
Interest from 7.00%
Approval: 15 minutes
Finloo
Online loans up to ₱25,000 with 0% for first loan
₱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
LoanOnline
Online loans up to ₱25,000 with quick approval
₱1K – ₱25K
Interest from 11.90%
Approval: 15 minutes
Cashspace
Quick online loans up to ₱25,000 with 0% 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
Creditify
Short-term loans up to ₱25,000 with quick approval
₱1K – ₱25K
Interest from 10.00%
Approval: 15 minutes
Zaimoo
Online loans up to ₱25,000 with low interest rate
₱1K – ₱25K
Interest from 0.01%
Approval: 24 hours
Finami
Fast online loans up to ₱25,000 with 0% interest
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Creditnice
Flexible loans up to ₱50,000 with easy requirements
₱1K – ₱50K
Interest from 2.00%
Approval: 24 hours
Kviku
Online loans up to ₱25,000 with flexible terms
₱1K – ₱25K
Interest from 2.50%
Approval: 15 minutes
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
Cash Express
Fast cash loans up to ₱20,000 with 0% first loan
₱1K – ₱20K
Interest from 0.00%
Approval: 15 minutes
Cashexpress
Online cash 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
GCash GLoan
GCash GLoan up to ₱125,000 with instant approval, no documents needed
₱1K – ₱125K
Interest from 1.59%
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
Tala
Tala micro-loans up to ₱25,000 approved instantly with just one valid ID
₱200 – ₱25K
Interest from 15.00%
Approval: Instant
JuanHand
JuanHand quick loans up to ₱50,000 approved in 5 minutes with one ID
₱500 – ₱50K
Interest from 0.75%
Approval: 5 minutes
Maya Credit
Maya Credit revolving credit line up to ₱30,000 with instant approval
₱500 – ₱30K
Interest from 1.00%
Approval: Instant
SeaBank
SeaBank online loans up to ₱25,000 for Shopee users, fast approval
₱1K – ₱25K
Interest from 3.50%
Approval: Minutes
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.