Lending Companies in San Fernando

Being a seeker of financial support doesn’t feel good. In fact, this is a journey where you can often face confusion, scams, and other challenges, let alone the difficult choice between reliable companies.

In the Philippines, a whole range of firms offer financial assistance. Some of them are purpose specific, while others provide financial services for all strata of society. If you are looking for this type of company in San Fernando, read on because we have handpicked top lenders for you here.

When living in San Fernando, here are some lenders you can go for.

Company Loan Amount (PHP) Interest Rate Loan Term
Digido 1,000 – 25,000 From 0% to 11.9% Up to 30 days
MoneyCat 500 – 20,000 Up to 11.9% per month Up to 180 days
Kviku 500 – 25,000 1.2% per month Up to 180 days
Cashspace 1000 – 25,000 1.3% per month 2 – 4 months

Lhuillier Jewel Finance

One of the best is Lhuillier Jewel Finance, registered at SAN JOSE 1-4 ROBINSON STARMILLS, JASA. P.C. 0770, San Fernando City, Pampanga, with branches across the Philippines. Lhuillier is a company with multiple businesses. Its financial services consist of the following loan products:

Here interest rates are around 24%, with collateral being a must. The company can be reached at +63 (43) 723 6500.

A borrower is often required to demonstrate their tax declaration, clearance, billing statement, sketch plan, and give ID.

Security Bank

Security Bank

Lhuillier‘s competitor, Security Bank, residing at 6776 Ayala Avenue, Makati City, is another option. This well-established lender offers car, personal, business loans, mortgages, and salary loans, with personal and car loans being the most costly. They come at 37% to 39% of the annual interest rate. Loans are given to Filipino citizens of 18 years old and up to 68, who also have steady incomes and 2 IDs (the Primary (Valid) ID and the Secondary ID, which sometimes can be required for financial transfers).

Cathay United Bank

Cathay United Bank

Thirdly, Cathay United Bank is at Unit 5A, 5/F, Citibank Center 8741 Paseo de Roxas Makati City 1200, Metro Manila, Philippines. Living in San Fernando might be great since you would opt for checked financial services. Loans such as secured loans and elastic (analog of payday) are available for those who meet the requirements of not being filed for bankruptcy, having a credit history, and being able to pay off.

Top OFW Lending Companies in San Fernando

OFW loans are known as programs that assist employees from overseas to have money for a range of uses.

The Pag-IBIG Fund

Pag-IBIG Fund

The famous Pag-IBIG has been giving financing for house loans at interest rates of nearly 10% for almost three decades. A participant needs to provide the following:

  1. Proof of income: employment contract, their employer’s certificate of income, or other similar document.
  2. Health statement (for those over 60).
  3. Special power of attorney signed notarially before departure or confirmed by the Philippine consulate or embassy in the country of their employment.

The Pag-IBIG company is available in San Fernando and is registered at Petron Mega Plaza 358 Sen. Gil J. Puyat Avenue, Makati City. It has a worthy rival, – PNB, specializing in home loans. It includes loan products such as home renovation, construction, and mortgage refinancing and offers a minimum of Php 500,000 in foreign currency such as JPY or USD.

One of the requirements for getting their financial assistance is being born in the Philippines and either having valid Filipino citizenship or being a foreigner who acquired a condominium. Here also belongs the age limit: one must be from 21 to 65 years old.


Land Bank of the Philippines

Next, there are loan products by Landbank. It suits you well if you’re an entrepreneur. The company is registered at 32/F, LANDBANK Plaza 1598 M.H. del Pilar Dr. J. Quintos St. Malate, Manila, and can be reached via +632 8-405-7000. Its extensive support of farmers, with loans at up to 10% of interest rate, and at the same time non-agricultural business support shines with opportunities. It will help you establish a business. If that’s your case, Landbank will assist in starting a venture.

Its loan products include:

  1. Loans to farmers.
  2. Loans to fishers.
  3. Home loans (‘Easy home loans’) for constructing homes from scratch or repaying mortgage payments and increasing their chances of being accepted by other borrowers.
  4. Electronic salary loans. This is quite a new option, with the lender enabling users to request and pay back salary loans, regardless of whether the employer is hired by a private or government institution.

The list of requirements for getting a loan can vary from lender to lender and from one type of loan to another within one company.

Lending Companies in San Fernando With Low Interest

Among providers of loans for people with damaged credits and low scores, there is probably nothing better than a checked online lender. First, this is convenient since most such companies offer funding in 1 to several business days and are always there to answer your questions.

They are Money Cat, Money Tree, and Pera247 in the Philippines. You won’t have to visit its branches or look for pawn shops in San Fernando since all steps are made online.

Money Cat


Money Cat gives online loans for up to 6 months and doesn’t rely much on credit history. It claims to be an instant loan giver. What is more, the first loan issued by the company is interest-free. The company’s headquarters lies at 10F, Rockwell Business Center , South Tower, Sheridan. Brgy. Highway Hills, Mandaluyong City, and clients can reach the firm over the phone number 0917 710 8022 or by visiting moneycat.ph website.

The requirements for borrowers include:

For low income borrowers or those who wouldn’t like a fee heavy credit, Money Cat unsecured cash loans are a way to go.

Money Tree

Next, there is Money Tree with its payday loans for up to 6 months. Amounts up to Php 10,000 can be obtained just in 1 banking day, and the interest rates up to 10%. Bank statements, proofs of billing, pay slips, and driver’s licenses may be required at the application. Unlike its counterparts, the firm doesn’t have a physical address. Instead, it offers all the info about its financial services at the moneytreequickloan.com site or via phone at +63 908 896 2036.

Pera 247

Lastly, we can recommend having a look at Pera 247 Lending. At pera247.ph, one can take out a short-term cash loan in 1 hour. Info requests can also be made by phone numbers 09219610721 and 09273348368. There is a mobile app to manage your loan and get updates. Requirements to users are pretty standard, including payrolls, COE, ITR, and being free from bankruptcy experience. These papers need to be attached at the application.

The APR at Pera247 was estimated as 0,06% a day, which makes nearly 2% per month. All in all, loans here are given for a minimum of 72 and up to 100 days.

FAQ on Lending Companies in San Fernando

Private lending is legal across the Philippines, including San Fernando City. Sometimes going for a private lender is even better for the client than a government-based one. However, one always needs to watch out for high interest rates, additional fees, and terms offered to evaluate how beneficial the option would be. See also if offered payment options are convenient.

There are two main ways to obtain a loan. Firstly, you can go to a branch of the lending company and file the loan in the traditional way, with prior consulting and inquiry. Another way to get one online is, in most cases, quicker and less time-consuming. Online lenders can fund your need with the necessary sum of money in as little time as 1 hour, depending on a specific lender.

Online lenders appear to be great for bad credit lenders too. This is especially true for those lenders granting perks like no late fees or no zero interest for first loans, providing various payment options and repayment terms.

Yes, getting a loan with the term 3 months is a common request from borrowers in the Philippines. This term is something you can find in payday loans and fast cash loans. Normally, such loans would not require collateral but beware that some lenders only give secured loans. Collateral can be anything from antique things and jewelry to vehicles.

Still, make sure you would be able to pay a loan off in order not to lose the collateral to the company.

There are several big companies that offer loans in San Fernando and the Philippines region. Security Bank, Cathay United Bank, Cashalo, Money Cat, Landbank, and others belong here. Coming with a financing need from a tried and true organization is a good way to handle an emergency, so one of these lenders can appear as a reliable helper.

Button up
image description