Lending Companies In The Philippines

Welcome to our comprehensive guide on the top lending companies in the Philippines. In this dynamic financial landscape, choosing the right lending partner is crucial for your financial well-being, whether you’re seeking funds for personal needs, business growth, or emergency expenses. With its diverse and evolving financial sector, the Philippines offers many lending options, ranging from traditional banks to innovative online platforms.

Top Lending Companies In The Philippines

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


Online Lending Platforms

Our guide is meticulously crafted to navigate you through the top lending companies in the country, providing insights into their services, reliability, and unique offerings. Whether you’re an individual borrower, a business owner, or an Overseas Filipino Worker (OFW), this guide aims to equip you with essential information, helping you make an informed decision in selecting a lender that aligns with your financial goals and needs. Join Trice Loans PH as we delve into the world of lending in the Philippines, where opportunities and informed choices go hand in hand.

List of Lending Companies

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
CashMart 3,000 – 150,000 From 0,8% to 3,5% Up to 6 months for new loan
EasyCash 5,000 – 25,000 0,33%-1% From 1 to 300 days
Crezu 1,000 – 25,000 From 1.5% per month to 30% per year From 3 to 12 months
CashMe 2,000 – 20,000 0,08% per day Up to 3 months
Blend 50000 – 2 million From 1,5% to 3% monthly Up to 36 months
Pera4u 3000 – 12000 0.13% – 0.2% per day From 7 days to 28 days
Binixo 2000 – 30000 1% per day From 7 days to 30 days
Asteria Lending Inc 2000 – 50000 0.2% per day From 30 days to 120 days
Loanmoto 1,000 – 12,000 4% – 6% per month
Asialink Finance 50,000 – 5,000,000 Up to 2% per month 6 – 60 months
Finbro 1,000 – 50,000 0.5% – 1.25% per day Up to 12 months
Kviku 500 – 25,000 1.2% per month Up to 180 days
Opeso App 2,000 – 20,000 0.3% -1% per day From 91 to 120 days
LendPinoy 1,000 – 12,000 15% per annum
Savii 5,000 – 500,000 Starting from 0.5% Up to 60 months
Fast Cash 2,000 – 20,000 20% per annum From 91 to 120 days
Snapera 1500 – 20000 0.5% per day, annual rates vary From 91 days to 180 days
CashExpress 2000 – 20000 From 1.5% to 2.5% per month From 7 days to 30 days
Binixo 2000 – 30000 1% per day From 7 days to 30 days
PesoQ 5,000 – 20,000 4% – 6% per month 91 – 365 days
PesoLoan 1,000 – 30,000 From 0.5% to 1.5% per day From 7 to 12 months
GCash 5,000 – 25,000 From 3% to 15% From 15 to 90 days
CashBee 2,000 – 20,000 0,3% daily From 30 to 120 days
Upeso 3,000 – 20,000 0,03% daily From 7 to 28 days
PHPocket 2,000 – 20,000 0% for first-time borrowers Up to 120 days
Revi Credit Philippines 1000 – 250,000 1% – 5% From 6 to 36 months
Cashwagon 1,000 – 20,000 From 3% to 8% per month From 91 to 180 days
PondoPeso 1,000 – 40,000 0.05% – 1.0% From 21 to 365 days
Tala 1,000 – 25,000 15% – 15.7% From 15 to 61 days
Acom Up to 500,000 3.315% – 4.563% From 6 to 10 months
OKPeso 2,000 – 20,000 Up to 24% From 96 to 365 days
Loan Ranger 3,000 – 10,000 From 0.04% to 0.1% per day Up to 90 days
Vamo 1,000 – 30,000 From 1,3% From 10 to 3000 days
Madali 3,000 – 20,000 2.5% annual From 91 to 180 days
PesoCash 1,500 – 10,000 Up to 18.25% annual From 120 to 210 days
Plentina 100 – 20,000 0-16% per annum Up to 100 days
Pedicash 2,000 – 20,000 0.06% per day From 60 to 120 days
PesoRedee 1,000 – 30,000 0% for first-time borrowers Up to 720 days
Fuse 1,000 – 12,000 4-5% per month Up to 6 months
Radiowealth Finance Corp 10,000 – 1,000,000 3.5% to 4% per month From 6 to 12 months
Flexi Finance Up to 25,000 From 365 to 1460 days
Happy Pera 1,000 – 12,000 From 0.04% to 0.1% per day From 91 to 180 days
JuanHand Up to 50,000 14.7% per month From 14 to 90 days
Moca Moca 2,000 – 35,000 0.83% per month From 180 to 365 days
RoboCash 1,000 – 25,000 From 0% to 11.9% Up to 30 days

What are Online Loans in the Philippines?

Online loans in the Philippines refer to the financial services provided by various lenders through digital platforms, allowing individuals to borrow money via the Internet. This form of lending has gained popularity due to its convenience, speed, and accessibility, especially among those who may not have easy access to traditional banking services.

Traditional Lending Companies vs. Online Lending Platforms

In today’s rapidly evolving financial landscape, borrowers are often faced with a critical decision: should they opt for traditional lending companies with their established practices and physical branches or embrace the digital revolution offered by online lending platforms? This choice is not just about selecting a financial service provider; it’s about understanding how each option aligns with personal financial needs, preferences, and circumstances.

We’ll delve into a detailed comparison of traditional lending companies and online lending platforms. We’ll explore their operational models, the pros and cons of each, and how they cater to the diverse needs of today’s borrowers. This comparison aims to provide a clearer understanding of these two distinct approaches to lending, helping you make an informed decision that best suits your financial goals and lifestyle.

Traditional Lending Companies

Traditional lending companies are financial institutions that offer loan products and services through physical branches. These companies have been the backbone of the lending industry for decades, providing various financial solutions, including personal loans, mortgages, business loans, and more. They operate in a highly regulated environment, ensuring a secure and stable lending process. Traditional lending companies’ application and approval processes are often more manual and paper-based.



Traditional lending companies offering trusted and comprehensive services remain vital to the financial ecosystem. However, the rise of digital technology and changing consumer preferences push these institutions to adapt and modernize their offerings.

Online Lending Platforms

Online lending platforms are digital-based financial services that offer loans through websites or mobile applications. These platforms have gained popularity due to their convenience and the speed with which they process loan applications and disburse funds. They cater to a wide range of borrowers, including those needing access to traditional banking services or quick financial assistance. Online lenders typically use advanced algorithms and data analytics to assess creditworthiness, often resulting in a more streamlined and automated approval process.



Online lending platforms represent a significant shift in the lending industry, offering speed and convenience that traditional banks often cannot match. However, borrowers should know these digital services’ higher costs and potential security risks. As the fintech sector evolves, these platforms will likely become even more integrated into the mainstream financial landscape.

Comparing traditional lending companies with online lending platforms highlights the evolution of financial services and how technology has reshaped borrowing experiences. Here’s a detailed look at the differences between the two

Traditional Lending Companies Online Lending Platforms
Presence Traditional lenders operate through physical branches, where customers must visit to apply for loans. Operate entirely online, often through websites or mobile apps, eliminating the need for physical branches.
Application Process The process often involves filling out paper forms and providing physical copies of necessary documents. It can be time-consuming. The application process is digital, making it quicker and more convenient. It often requires uploading digital copies of documents.
Approval Time Loan approvals in traditional settings can take several days to weeks as it involves manual review and verification processes. Known for fast approval and disbursement, sometimes within the same day, catering to urgent financial needs.
Interest Rates and Fees They may offer lower interest rates than some online platforms, but this can vary widely. Can have higher interest rates and fees due to the convenience and speed they offer, but this varies by lender.
Customer Interaction Offers face-to-face interaction, which can be preferred by some customers for complex transactions or negotiations. Customer service is typically handled through online chats, emails, or phone calls.
Range of Products Traditional lenders typically offer a wide range of financial products beyond just loans, like savings accounts, mortgages, and investment services. Mainly focus on lending services, though some may offer related financial products.
Regulation and Security Usually heavily regulated, offering a high level of security and consumer protection. While online platforms are subject to regulation, the degree can vary, and some may operate in less regulated spaces.

The choice between traditional lending companies and online lending platforms depends on individual needs and preferences. Traditional lenders offer a physical institution’s security and comprehensive services, while online platforms provide speed, convenience, and accessibility. As the financial world continues to evolve, both types of lenders are adapting and incorporating elements from each other to serve their customers better.

Find Best Lending Companies in Your City

How Do I Know If an Online Loan Is Legit?

Navigating the world of online lending can often feel like a complex maze, especially when distinguishing legitimate loans from potential scams. In an era where digital transactions are becoming the norm, it’s crucial to identify the signs of a trustworthy online loan. This knowledge protects you from fraudulent schemes and ensures a safe and secure borrowing experience.

Here, we will explore key indicators and steps you can take to verify the legitimacy of an online loan, providing you with the tools and confidence to make informed financial decisions in the digital age.


The basic requirements for obtaining a loan can vary depending on the lender and the loan type you seek. However, there are common criteria that most lenders consider when evaluating a loan application. Here’s a general overview of these requirements:

It’s important to note that these requirements can vary significantly depending on the lender and the type of loan (personal, mortgage, auto, etc.). Additionally, online lenders might have different criteria compared to traditional banks. Always check the specific requirements of the lender you are considering.

How to Get Online Cash Loans Fast in the Philippines

Getting a fast online cash loan in the Philippines involves a straightforward process, but it’s essential to approach it with caution and awareness. Here’s a step-by-step guide to help you navigate the process:

Types of Personal Loans in the Philippines

In the Philippines, personal loans come in various forms to cater to the diverse financial needs of borrowers. Understanding the different types of personal loans available can help you decide which option best suits your requirements. Here are some of the common types of personal loans in the Philippines:

Secured Loan

A secured loan requires the borrower to offer some collateral, such as real estate, a vehicle, or other valuable assets. The collateral serves as security for the lender if the borrower fails to repay the loan.


Typical Use Cases

Pros: Typically has lower interest rates due to the reduced risk for the lender. It may also offer higher borrowing limits.

Cons: The risk of losing the collateral if you default on the loan.

Unsecured Loan

Unsecured loans do not require any collateral. The lender approves the loan based on the borrower’s creditworthiness and ability to repay.


Typical Use Cases

Pros: No risk of losing personal assets as collateral. The application process is often quicker and involves less paperwork.

Cons: Usually comes with higher interest rates than secured loans and may have lower borrowing limits. Requires a good credit score for approval.

Personal loan for OFWs

These are personal loans specifically tailored for Overseas Filipino Workers. They are designed to meet the unique financial needs of OFWs, such as funding for migration, home renovation, education, or starting a business in the Philippines.


Typical Use Cases

Pros: Tailored to the specific needs of OFWs, often with flexible repayment terms that consider the borrower’s employment contract abroad.

Cons: This may require additional documentation, such as employment contracts, proof of income abroad, and sometimes a co-borrower or guarantor in the Philippines.

Top Up Loan

A top-up loan allows borrowers with an existing loan and a good repayment history to borrow an additional amount on top of their current loan.


Typical Use Cases

Pros: Convenient way to access additional funds without applying for a new loan. Often comes with a quicker approval process.

Cons: Increases your overall debt burden. The terms of the top-up loan, including interest rates, may differ from the original loan.

Each type of loan serves different financial needs and situations. Borrowers need to assess their financial situation, understand each loan type’s specific requirements and features, and choose the one that best aligns with their objectives and capacity to repay.

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