Get it done in three minutes!

One-Time Only Offer:

First loan 0% interest

for a 7-day period!

A few questions to see if you qualify - let’s get started

Are you over 21?

Are you employed?

Who is eligible to apply?

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


  • Enjoy smooth and stress-free transactions without leaving your home.
  • Access our online platform and complete operations without physically visiting a location.
  • In just four minutes, receive up to ₱ 10 000 directly into your bank account with our speedy and effective system.
  • Skip the hassle of guarantors, complicated documentation, or large deposits.
  • Our fully automated service provides the ultimate financial solution for you.


Get an Online Installment Loan instantly with comfortable payment terms.

  • Choose from a range of repayment options from 3 to 6 months.
  • Borrow an amount between ₱10,500 to ₱25,000 to suit your financial needs.
  • Benefit from an interest rate of just 11.9% per month (maximum APR=143%).

Representative example:

Suppose you apply for a loan of ₱20,000 and opt for a six-month repayment plan. In that case, your monthly installment would be just ₱5,000, and the total cost of the loan would be ₱2,383 per month (APR=143%).

Online Loans in the Philippines

Although conventional wisdom suggests cutting costs and avoiding loans, people of all backgrounds aspire to achieve financial stability. When utilized appropriately, loans can be an essential tool for improving one's financial situation.

For instance, taking out a loan to invest in professional development or acquire new skills can provide long-term benefits. On the other hand, using loans for frivolous spending or leisure activities can lead to financial instability. The secret lies not in the presence of loans but in their proper usage. Sensible borrowing can lead to financial independence, while imprudent borrowing can lead to financial ruin.

How do Instant Loans Work in the Philippines?

In rural parts of the Philippines, accessing formal banking services can be a significant challenge, leaving many without traditional banking options. This creates a catch-22 situation where people must travel to more populated areas, only to be met with crowded banks and slow service due to high demand and extensive documentation requirements.

In contrast, obtaining an online loan is a straightforward and accessible process, requiring only a valid ID and proof of income. All that's needed is to create an account on an online portal, submit the necessary documentation to demonstrate creditworthiness, and receive a decision within minutes. With high levels of Internet penetration in the Philippines, online loans have become the go-to option for urgent financial needs. They offer convenience and rapid processing times without the hassle of traveling to distant banks or waiting in long lines.

Are Online Loans Legit?

It's crucial to exercise caution when dealing with online lending companies, as not all of them are legitimate. To operate legally, online lending companies must register with the SEC and maintain a physical office in the Philippines. However, some illegal lenders operate exclusively online, exploiting customers through unethical practices. It can be challenging to distinguish between genuine and illegitimate lenders when seeking instant loans online. To avoid falling victim to a scam, it's essential to verify the lender's details on the SEC website. For instance, Digido, one of our esteemed partners, is a fully licensed company with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Always conduct thorough research and ensure that you're working with a trustworthy online lender.

What are Online Loans?

Becoming financially independent is a process that requires discipline and strategic planning. However, unexpected expenses can occur at any time, and even the best-laid financial plans can be thrown off course. In such cases, borrowing from friends, family, or traditional lenders like banks may become necessary. Although banks offer low-interest rates and flexible repayment options, the loan application process can be overwhelming and time-consuming. As a result, many people are turning to alternative options, such as online loans and lender loans. Online loans, in particular, offer a hassle-free and convenient solution for those who require quick cash without leaving their homes or searching for the best deals.

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

  1. Online lending provides a hassle-free way to compare loan options from different lenders from the comfort of your home or office.
  2. With online lending, lenders operate 24/7, making it possible to obtain a loan at any time.
  3. Obtaining documentation for online loans is a simple process with minimal requirements, and collateral or a guarantor is not necessary.
  4. Automated systems handle loan evaluation, decision-making, and fund transfers in a fair and efficient manner.
  5. Online lending ensures the privacy of your financial information and eliminates the need to share details with a banking professional.
  6. Same day loans are possible with online lending as the loan application and disbursement process can be completed in just a few hours.
  7. The approval rate for online loans is an impressive 90%, and online lenders do not engage in cross-selling like some banks.
  8. Online loans offer flexibility and can be utilized for a wide range of purposes.
  9. Keeping track of loan payments is simplified with the help of online loan management tools.

Online loans have revolutionized the way Filipinos access financial assistance. These loans have become incredibly popular due to their convenience, accessibility, and fast approval process, making them a preferred choice for many. In addition, online loans have flexible terms and offer a high approval rate, even for individuals with poor credit scores. The quick disbursement of funds is an added bonus, providing borrowers with the financial assistance they need, exactly when they need it.

How to Take an Instant Loan Correctly and Profitably?

The ease of obtaining quick funds through online loans may be tempting, but it can lead individuals to rely on these loans for every financial need without careful consideration. This can result in financial instability and ultimately lead to a cycle of debt.

Below are the crucial points in securing the right loan:

  1. Honesty is crucial when applying for loans. Falsifying financial information can result in a hard credit check, negatively affecting your credit score and making it harder to get favorable loans in the future.
  2. Don't apply for loans from multiple lenders simultaneously, as each credit check can lower your score. Limit your applications to avoid unnecessary damage.
  3. Compare different lenders and loan options to find the best fit for your financial situation. Take your time to make an informed decision.
  4. Have a solid plan in place to repay the loan on time and in full. Late or missed payments can harm your credit score and make it harder to secure favorable loans in the future.
  5. Before making any final decisions, it's crucial to carefully examine and comprehend all the loan documents and terms. It's essential to be fully aware of the terms of the loan before committing.


Borrowing money can be a tricky business. While loans can provide much-needed financial assistance to help you achieve your goals, they can also lead to a cycle of debt if you are not careful. The key to using loans effectively is to have a thorough understanding of your financial situation and a well-thought-out plan. By assessing your needs and making informed decisions, loans can be a powerful tool on your path to 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: When considering a loan, one important factor to pay attention to is the Annual Percentage Rate (APR). This represents the interest you'll be charged over the course of the loan, taking into account factors such as loan amount, fees, and repayment schedule. It's important to note that loan APRs can vary greatly depending on the type of loan and lender. For instance, cash advances often have the highest rates, sometimes as high as 1386%, while personal loans may range from 4.99% to 450%. Always review the APR and other loan terms carefully before signing an agreement, as lenders are required by law to disclose this information. It's also important to remember that APR rates are subject to change and may fluctuate over time.

Material Disclosure: Our website functions as a connection platform that links potential borrowers with qualified participating lenders. We are not a lending organization, nor do we represent any lending entity. We facilitate advertising and referral services for lenders who can offer cash advances ranging from ₱10,000 to ₱25,000, installment loans up to ₱100,000, and personal loans up to ₱500,000. It's important to note that loan amounts are subject to the lender's discretion and may vary depending on their policies. We do not guarantee acceptance by any participating lender. Our service does not condone illegal loan products and is not a proposal or request for such. We do not endorse or charge for any service or product, and any compensation received is solely for advertising purposes. Our platform is not available in prohibited areas and we have no control over the actions of any lender. It's crucial to understand that we do not have access to your loan details, including the APR. If you have any queries regarding your loan, including specific terms, interest rates, renewal options, payment details, or consequences for missed payments, please contact your lender directly. By submitting your registration information, you consent to sharing your details with one or more participating lenders. Using our service does not obligate you to register for credit, loan products, or accept a loan from a participating lender. Lenders have varying repayment terms, cash transfer times, and local regulations, so please review all loan documents and terms carefully. Some lenders may require faxing. This information is for informational purposes only and should not be considered legal advice.

Credit Implications: The operator of this website does not make lending decisions but instead connects you with independent participating lenders who may assess your creditworthiness by conducting checks with credit reporting agencies or obtaining consumer reports through alternative providers. By submitting your information, you give consent to these participating lenders to verify your details and credit history. The loans offered by the participating lenders are designed to provide you with short-term financial relief and should not be considered a long-term debt solution. It is crucial to only borrow what you can pay back on your next payday. We advise seeking professional financial advice for your needs, risks, and alternative options to short-term loans. Late loan payments may result in added fees, collection actions, or both. Each lender operates under their own set of terms and conditions, so it is important to review them carefully for more information. Failure to repay a loan could lead to collection activities. Each lender has its unique renewal policy, so make sure to review your lender's policy before proceeding.