Soscredit
Fast online loans up to ₱25,000 with 0% interest for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
0% Interest Loans in the Philippines
Comparing 16 offers. Updated April 13, 2026.
Best offers – Zero Interest Loan 2026
Robocash
Quick cash loans up to ₱25,000, 0% for first loan
₱1K – ₱25K
Interest from 0.00%
Approval: 15 minutes
Binixo
Online loans up to ₱20,000 with 0% interest for new customers
₱500 – ₱20K
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
Home Credit
Home Credit consumer loans up to ₱50,000 with 0% interest
₱2K – ₱50K
Interest from 0.00%
Approval: 1 hour
Finloo
Online loans up to ₱25,000 with 0% for first loan
₱1K – ₱25K
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
Finami
Fast online loans up to ₱25,000 with 0% interest
₱1K – ₱25K
Interest from 0.00%
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
GCash GLoan
GCash GLoan up to ₱125,000 with instant approval, no documents needed
₱1K – ₱125K
Interest from 1.59%
Approval: Instant
Maya Credit
Maya Credit revolving credit line up to ₱30,000 with instant approval
₱500 – ₱30K
Interest from 1.00%
Approval: Instant
0% Interest Loans in the Philippines
Several online lending companies in the Philippines offer 0% interest on the first loan for new borrowers — meaning you borrow, say, ₱5,000 and repay exactly ₱5,000. This promotional offer is designed to attract first-time borrowers and build a credit relationship. Lenders like Soscredit, Robocash, Binixo, Cashwagon, and Digido all offer this promotion.
The 0% first loan typically applies only once per borrower, covers amounts up to ₱5,000-₱15,000, and has a repayment term of 7-30 days. After the first loan is repaid on time, borrowers can apply for subsequent loans — usually at the lender's standard rate and for higher amounts. Some lenders automatically increase your credit limit after good repayment history.
To maximize the 0% loan benefit: borrow only what you need, repay on time (late fees apply even on 0% loans), and use the first loan to establish a track record for larger future borrowing. Compare all zero-interest first-loan offers on CoolFinance.ph — each lender has slightly different maximum amounts and repayment terms for this promotion.