Get it done in 3 minutes or less!

Get Up to ₱25,000 in Minutes

0% Interest Rate on Your First Loan

Qualification check made easy with just a few questions asked

Are you over 21?

Are you employed?

Who is eligible to apply?

  • 21-70 years old
  • Employed individuals and selected professionals
  • Filipino Residents


  • Enjoy the convenience of conducting transactions seamlessly from the comfort of your home.
  • No physical visits needed; everything can be done online for your convenience.
  • Our efficient system ensures that you can receive up to ₱10,000 in just 4 minutes, with the funds deposited directly into your bank account.
  • Say goodbye to complicated documentation, hefty deposits, and the need for guarantors.
  • Our fully automated service is designed to cater to your financial needs, making it the ultimate solution for your financial concerns.


Consider our Instant Online Loan, a convenient installment credit option.

  • Choose your repayment terms: 3, 4, 5, or 6 months.
  • Borrow any amount from ₱10,500 to ₱25,000, depending on your needs.
  • Enjoy comfortable payment terms and competitive interest rates of 11.9% per month (maximum APR=143%).

Representative example:

Assuming you need to borrow PHP 20,000 and you plan to pay it back over 6 months, which means you'll pay PHP 5,000 every month. However, the loan will cost you PHP 2,383 per month, including an annual percentage rate (APR) of 143%. APR represents the additional costs and interest rates added to your loan, spread over a year. Before applying for the loan, it's essential to consider the overall cost of the loan to make sure it's within your budget and financial means.

Online Loans in the Philippines

Despite the timeless advice of reducing expenses and shunning loans, financial stability remains a common goal for people of all backgrounds. Yet, loans can be a useful tool for improving one's financial situation if utilized appropriately.

For instance, taking out a loan for career development or skill acquisition can have a long-lasting positive impact. Conversely, loans used for indulging consumerist or leisurely tendencies can erode financial security. The secret lies in the way loans are employed, rather than their existence. Using loans judiciously can pave the way to financial self-sufficiency, while unwise loan usage can bring about fiscal devastation.

How do Instant Loans Work in the Philippines?

Access to formal banking services is a persistent challenge in rural areas of the Philippines, where many individuals lack traditional banking options. This results in a catch-22 situation, as those who require banking services must travel to larger cities, only to be met with crowded banks and slow service due to excessive customer volume and lengthy documentation processes.

Applying for an online loan is a speedy and easily accessible process, requiring only a valid ID and proof of income. By creating an online account, submitting the required documentation to demonstrate creditworthiness, and receiving a decision within minutes, individuals in the Philippines have increasingly turned to online loans as a preferred method for fulfilling their urgent financial needs. With a high internet penetration rate in the country, online loans provide a fast and convenient alternative to the inconvenience of traveling long distances and waiting in lines.

Are Online Loans Legit?

With the rise of online lending companies, it's crucial to be aware that not all of them are legitimate. For an online lending company to operate legally in the Philippines, it must register with the SEC and have a physical office. Unfortunately, some illegal lenders operate solely online and take advantage of customers through unscrupulous practices. When searching for instant loans online, it can be difficult to distinguish between legitimate and illegal lenders. To avoid getting scammed, always take the time to research and verify that you're working with a reputable online lender. You can start by checking the SEC website for details on registered lenders. As one of our trusted partners, Digido is fully licensed with SEC Registration No.: 202003056 and Certificate of Authority No. 1272, giving you peace of mind when applying for an online loan.

What are Online Loans?

Gaining financial freedom is a goal that requires strategic planning and diligence, but unforeseen expenses can sabotage even the most well-crafted financial strategies. In such cases, borrowing from banks, family, friends, or other lenders may be necessary. Although banks offer reasonable interest rates and loan conditions, the process of obtaining a bank loan can be challenging with numerous obstacles. Hence, many people prefer alternative options like online loans or lender loans. Online loans provide a convenient and hassle-free solution for those who require quick cash without leaving the comfort of their home or searching for the best deal.

Online loans give a slew of irresistible features for a prospective borrower:

  1. Online lending offers the convenience of comparing loan options from various lenders from the comfort of your own home or office.
  2. Lenders operate 24/7, making it easy to obtain a loan at any time that suits you best.
  3. The documentation process for online loans is straightforward, with minimal requirements and no need for collateral or a guarantor.
  4. An automated system handles loan evaluation, decision-making, and fund transfer in a fair and efficient way.
  5. Your financial information is kept private, and there's no need to share your details with a banking professional.
  6. The loan application and disbursement process can be completed within hours, making online loans popularly known as "Same Day Loans."
  7. The impressive 90% approval rate for online loans sets them apart from some banks who may engage in cross-selling.
  8. Online loans are versatile and can be used for any purpose, giving you the freedom to choose how you want to use the funds.
  9. Keeping track of loan payments is simple with online loan management tools, allowing you to stay on top of your financial commitments.

The ease and accessibility of online loans in the Philippines have made them increasingly popular. These loans require minimal documentation and have a high approval rate, making them an attractive choice for Filipinos who require financial assistance, even with a poor credit history. Additionally, the quick disbursal of funds makes these loans even more appealing.

How to Take an Instant Loan Correctly and Profitably?

The ease and speed of acquiring funds through online loans can be tempting, causing some people to rely on them for all their financial needs without thinking it through. This careless approach can result in a financial mess and lead to a cycle of debt that is hard to break free from.

Below are the crucial points in securing the right loan:

  1. Always be truthful when applying for loans. Dishonesty can result in a lender running a hard credit check, which may hurt your credit score and make it harder to secure favorable loans in the future.
  2. Avoid applying for loans from several lenders at the same time. Every credit check can lower your score, so it's ideal to limit them.
  3. Create a solid plan to repay the loan in full and on time. Late or missed payments can damage your credit score and make it difficult to secure favorable loans in the future.
  4. Before signing a loan agreement, make sure to carefully review and understand all of the terms and documents associated with the loan.
  5. Take your time to explore your options by comparing different lenders before committing to a loan.


Taking out a loan can be like a sword with two edges. On one hand, it can give you the financial support you need to achieve your goals. On the other hand, if you don't use it responsibly or take out more than you can afford, it can become a burden and trap you in a cycle of debt. To use loans effectively, it's important to have a clear understanding of your financial situation and create a smart plan. By carefully evaluating your needs and making sensible decisions, loans can be a helpful tool in your quest for financial independence.

Our Partners:

Kviku Lending Co. INC.

18A Trafalgar Plaza, 105 H.V. Dela Costa Street, Salcedo Village Makati City, the Philippines SEC Registration No. CS201918702.
Certificate of Authority No. 3169
NPC Registration No. PIC-001-791-2021


SEC Registration No. 202003056. Certificate of Authority No. 1272

Representative example:
You apply for PHP 20,000 and choose repayment over 6 months, your monthly payment will be only PHP 5,000 per month, your total cost of the loan will be PHP 2,383 per month (APR = 143%)

MoneyCat Financing Inc.

Address: Unit 1701 Tycoon bldg Pearl Drive st. Brgy San Antonio Ortigas Center Pasig City, ph 1800. Certificate of Authority To Operate Number: 1254 granted by the Securities & Exchange Commission

Fill out an online loans registration form and you can get up to 20,000 PHP on your account. MoneyCat Financing Inc. gives you an opportunity to take loans from reliable credit partners. To get a loan you need to provide: any document, phone number and bank account in your name.

is a brand of the company Fininity Ltd (registration number: 14523902, address: Tartu Street 84a, Tallinn, 10112, EE.)

This site is not a financial institution, bank, or lender. This site finds loans for customers, acting as an intermediary between a client who is looking to take a loan and a licensed financial institution. It is not responsible for any loan agreement. This website does not charge a service fee, nor is it responsible for the actions, inactions, or interest rates of any lender. You are never under any obligation to use the service, initiate contact, or request credit with any lenders this site connects you to.

is a brand of the company Fininity Ltd (registration number: 14523902, address: Tartu Street 84a, Tallinn, 10112, EE.)

This site is not a financial institution, bank, or lender. This site finds loans for customers, acting as an intermediary between a client who is looking to take a loan and a licensed financial institution. It is not responsible for any loan agreement. This website does not charge a service fee, nor is it responsible for the actions, inactions, or interest rates of any lender. You are never under any obligation to use the service, initiate contact, or request credit with any lenders this site connects you to.

Material disclosure

APR Disclosure: As you consider your borrowing options, it's important to pay attention to the Annual Percentage Rate, or APR. The APR is the total interest rate you will be charged over the life of the loan and includes the loan amount, fees, and repayment schedule. Different loan types and lenders may have varying APR rates, with cash advances typically having the highest rates (up to 1386%) and personal loans ranging from 4.99% to 450%. To ensure you fully understand the loan terms before signing an agreement, lenders are required by law to disclose the APR and other loan details. Keep in mind that APR rates may change over time and are subject to fluctuation.

Material Disclosure: We are not a lender, broker, or representative of any lending institution. Instead, we provide a referral service to connect you with potential lenders who offer loans ranging from ₱10,000 to ₱25,000 for cash advances, up to ₱100,000 for installment loans, and up to ₱500,000 for personal loans. It's important to note that not all lenders can provide these loan amounts, and approval is not guaranteed. Our service is not an offer or solicitation for an illegal loan product, and there is no obligation to accept any loan offer. Our platform does not endorse or charge for any service or product, and any compensation received is solely for advertising services provided by participating lenders. We have no control over lender actions and are not responsible for them. We do not have access to the full details of your loan, including the APR. For more information on your loan, including specific loan terms, interest rates, renewal options, payment details, and potential consequences for missed payments, please contact your lender directly. By submitting your information, it may be shared with one or more participating lenders. Using our service does not obligate you to register for credit or any loan product, initiate contact with a lender, or accept a loan from a participating lender. Repayment terms, cash transfer times, and local regulations may vary among lenders. Some faxing may be required. This information is for informational purposes only and should not be considered legal advice.

Credit Implications: We do not make lending decisions. Instead, we connect you with independent participating lenders who may assess your creditworthiness and credit history by obtaining consumer reports through credit reporting agencies or alternative providers. By submitting your information, you authorize these lenders to verify your details and credit history. The loans provided by our participating lenders are intended to offer short-term cash relief and are not intended to be a long-term debt solution. It's crucial to borrow only what you can repay on your next payday. We advise seeking expert financial advice to assess your needs, risks involved, and alternative options to short-term loans. Late loan payments may result in added fees, collection actions, or both. Each lender has their own terms and conditions, so be sure to review them for more information. Failure to repay a loan could result in collection activities. Every lender has a unique renewal policy, so be sure to review your lender's policy before proceeding.