Soscredit
Fast online loans up to ₱25,000 with 0% interest for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Loans in the Philippines
Comparing 79 offers. Updated August 5, 2026.
Best offers – Loan Philippines 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
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
Online Loans Pilipinas
Fast online loans up to ₱20,000 for Filipinos
₱1K – ₱20K
Interest from 1.00%
Approval: 15 minutes
SB Finance
SB Finance, a subsidiary of Security Bank, offers personal and auto loans to Filipinos with competitive interest rates and quick online approval.
₱30K – ₱2.0M
Interest from 1.89%
Approval: 5-7 banking days
BPI
BPI personal loans up to ₱2,000,000 with flexible terms
₱10K – ₱2.0M
Interest from 25.60%
Approval: 3-5 banking days
Citibank
Citibank personal loans up to ₱2,000,000
₱10K – ₱2.0M
Interest from 30.90%
Approval: 3-5 banking days
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
OFWLoan
Loans for Overseas Filipino Workers up to ₱300,000
₱5K – ₱300K
Interest from 21.00%
Approval: 3-5 banking days
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
Maybank
Maybank personal loans up to ₱1,000,000
₱10K – ₱1.0M
Interest from 1.30%
Approval: 5-7 banking days
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
Uploan
Salary-based loans up to ₱100,000 with low interest
₱5K – ₱100K
Interest from 0.50%
Approval: 24 hours
Acom
Cash loans up to ₱500,000 with flexible terms
₱2K – ₱500K
Interest from 3.32%
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
CIMB Bank
CIMB Bank personal loans up to ₱1,000,000
₱30K – ₱1.0M
Interest from 5.90%
Approval: 1-3 banking days
PondoPeso
Online loans up to ₱40,000 with easy requirements
₱500 – ₱40K
Interest from 5.00%
Approval: 24 hours
EastWest Bank
EastWest Bank personal loans up to ₱2,000,000
₱25K – ₱2.0M
Interest from 1.49%
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
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
Security Bank
Security Bank personal loans up to ₱2,000,000
₱25K – ₱2.0M
Interest from 29.48%
Approval: 3-5 banking days
Chinabank
China Bank personal loans up to ₱2,000,000
₱50K – ₱2.0M
Interest from 5.00%
Approval: 3-5 banking days
Welcome Finance Philippines
Welcome Finance personal loans up to ₱500,000
₱5K – ₱500K
Interest from 1.60%
Approval: 3-5 banking days
Monily
Online loans up to ₱20,000 with quick processing
₱1K – ₱20K
Interest from 30.00%
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
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
Landbank
Landbank personal loans up to ₱10,000,000
₱10K – ₱10.0M
Interest from 10.00%
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
AUB Salary Loan
AUB salary loans up to ₱250,000 for employed individuals
₱5K – ₱250K
Interest from 4.00%
Approval: 3-5 banking days
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
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
Metrobank
Metrobank loans up to ₱10,000,000 for big financial needs
₱500K – ₱10.0M
Interest from 5.90%
Approval: 5-7 banking days
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
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
PNB
PNB personal loans up to ₱500,000 with competitive bank rates
₱10K – ₱500K
Interest from 1.25%
Approval: 3-5 banking days
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
BillEase
BillEase buy now pay later up to ₱40,000 with 0% at partner merchants
₱500 – ₱40K
Interest from 0.00%
Approval: Minutes
Loans in the Philippines
The Philippine loan market offers a diverse range of financing options for every type of borrower — from quick online microloans of ₱500 to large bank personal loans of ₱2,000,000 and beyond. Whether you need money for an emergency, business capital, education, home improvement, or a major purchase, there is a loan product designed for your specific situation.
Borrowers in the Philippines can access loans from three main sources: (1) Government financial institutions like SSS, GSIS, Pag-IBIG, and Landbank offering the lowest rates for qualified members; (2) BSP-regulated commercial banks offering a wide range of products with competitive rates; and (3) SEC-registered fintech companies and private lenders offering fast, convenient online loans with fewer requirements.
Interest rates in the Philippines vary widely — from as low as 0.5% per month for bank salary loans to 2% per day for some informal lenders. The BSP has implemented rate caps to protect consumers, but it's still important to shop around and compare. Always read the loan terms carefully, understand the total repayment amount, and only borrow what you need and can repay. CoolFinance.ph makes it easy to compare all loan options in one place.
Types of Loans in the Philippines
Depending on your situation, a more specific loan type may fit better than a general personal loan:
- Cash loans with high approval rates — for borrowers who want the highest chance of approval
- Loans with minimal requirements — for those without extensive documentation
- Motorcycle loans — financing for two-wheeled vehicles
- Student loans — for education-related expenses
- Zero-interest loan offers — promotional loans with no interest for a set period
Among the lenders compared on this site, Loan Ranger, Zaimoo, and Acom are reviewed in detail with current rates and requirements.
Frequently asked questions – Loan Philippines
You can apply through a bank, a government institution (SSS, GSIS, Pag-IBIG), or an SEC-registered online lender. Most online lenders let you apply through a website or app, upload a valid ID and proof of income, and receive a decision within minutes to a few hours. Banks typically require more documentation and take longer to process.
The best quick cash loan depends on your needs: online lenders like <a href="/loan/loan-ranger">Loan Ranger</a>, <a href="/loan/zaimoo">Zaimoo</a>, and <a href="/loan/robocash">Robocash</a> offer fast approval (often within minutes) for smaller amounts, while banks offer larger amounts at lower rates but with slower processing. Compare interest rates, fees, and approval speed before choosing.
Yes. Most online lenders and many bank personal loans in the Philippines are unsecured, meaning no collateral is required — approval is based on your income and credit profile instead. Secured loans (using property or a vehicle as collateral) are also available and typically offer lower interest rates for larger amounts.
A payday loan is a short-term, small-amount loan meant to be repaid on or shortly after your next payday, usually within a few weeks to a couple of months. Online lenders in the Philippines commonly offer this type of loan with fast approval but higher interest rates than longer-term loans — always check the total repayment amount before borrowing.
Approval ease varies by bank and depends on your income, employment status, and credit history. Digital-first banks and fintech lenders generally have simpler, fully online applications compared to traditional banks. Compare requirements and processing times across lenders on this page before applying.
Loan amounts range widely — from as little as ₱500-1,000 for small online loans up to ₱2,000,000 or more for bank personal loans, depending on your income and the lender's policies. Larger amounts typically require more documentation and a stronger credit or income profile.