Maya Credit – loan
Maya Credit revolving credit line up to ₱30,000 with instant approval
Applying does not commit you to any contract.
Maya Credit is the embedded lending product of Maya (formerly PayMaya), one of the two dominant digital payment platforms in the Philippines alongside GCash. Maya Credit offers a revolving credit line of up to ₱30,000 that eligible Maya users can draw down and repay flexibly — similar to a digital credit card, without the physical card.
Eligibility is determined by your Maya Score, which is based on your transaction history within the Maya app. No payslips or employment certificates are required. Interest rates range from 1.00% to 3.50% per month depending on your credit profile. Funds are available instantly in your Maya wallet, ready for transfers, bills payment, QR code payments, or withdrawal.
Maya Credit is best for existing Maya users with an active wallet and regular transaction history. If you are not yet using Maya, setting it up and using it regularly for several months increases your chances of approval. For amounts above ₱30,000 or for longer repayment terms, compare other lenders on CoolFinance.ph.
✓ Pros
- Instant credit line for eligible Maya users
- No documents required — based on Maya Score
- Flexible drawdown and repayment
- Use anywhere Maya is accepted: QR, bills, transfers
✗ Cons
- Only available to Maya app users
- Maximum of ₱30,000 credit limit
- Rate up to 3.50% per month for lower Maya Score
Loan example
Example: Draw down ₱10,000 at 1.00% per month, repay in 6 months = approx. ₱1,726 monthly. Total repayable: ₱10,354.
Loan requirements
- ✓ Active Maya account with regular transaction history
- ✓ Age 18 and above
- ✓ Philippine mobile number registered to Maya
- ✓ Sufficient Maya Score as determined by Maya algorithm
Loan features
- Credit line: ₱500 to ₱30,000
- Interest: 1.00%–3.50% per month
- Flexible drawdown and repayment schedule
- Instant availability in Maya wallet
- Use for payments, bills, transfers, or cash withdrawal
Frequently asked questions
Instant after submitting the application.
The minimum amount at Maya Credit is ₱500.