Just five minutes needed!

Offering Online Loans

Get Up To ₱25,000

Enter your name and email address to get started


Who is eligible to apply?

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


  • Manage your transactions smoothly and securely without leaving your home.
  • Save time and effort by conducting all transactions online.
  • Obtain up to ₱10,000 in as little as 4 minutes with our highly efficient system.
  • Receive the funds directly in your bank account for easy access and convenience.
  • No need for complicated documentation, guarantors, or large deposits.
  • Our fully automated service caters to all your financial needs with ease and simplicity.


Introducing our Instant Online Loan, an installment credit form that is available online and offers comfortable payment terms,

  • Flexible repayment options ranging from 3 to 6 months to suit your needs
  • Borrow an amount between ₱10,500 to ₱25,000 to cover your expenses
  • Competitive interest rates starting at 11.9% per month, with a maximum APR of 143%.

Representative example:

Our lending service simplifies the process of borrowing PHP 20,000 with flexible repayment choices. Opt for a 6-month repayment term with monthly installments of just PHP 5,000. Plus, you'll benefit from a low total loan cost of only PHP 2,383 per month. The Annual Percentage Rate (APR) is 143%.

Online Loans in the Philippines

Although it's a well-known suggestion to save money and avoid debt, individuals of all backgrounds continue to strive for financial security. Loans, however, can be beneficial in improving one's financial situation, provided they are used correctly. For instance, taking out a loan to invest in professional development or gain new expertise can bring about long-term advantages.

In contrast, loans acquired for leisure or consumerist activities will ultimately harm one's financial stability. The crucial factor is not whether loans exist but rather how they are utilized. When used prudently, loans can lead to financial independence, while imprudent usage can cause financial ruin.

How do Instant Loans Work in the Philippines?

Access to formal banking services can be a challenge in rural areas of the Philippines, leaving many people without traditional banking options. As a result, they must often travel to more populated cities and endure crowded banks, long lines, and slow service due to the high volume of customers and extensive documentation processes. Fortunately, obtaining an online loan is a simple and accessible process that only requires a valid ID and proof of income.

By creating an account on an online portal and submitting the necessary documentation, individuals can demonstrate their creditworthiness and receive a decision within minutes. With a high rate of internet penetration in the Philippines, online loans have become a preferred choice for urgent financial needs, offering convenience and speed without the inconvenience of traveling long distances and waiting in line at banks.

Are Online Loans Legit?

The world of online lending can be tricky to navigate. With so many companies vying for your attention, it's crucial to be cautious. While online lending companies must have SEC registration and a physical office in the Philippines to operate legally, some unscrupulous lenders operate solely online and take advantage of unsuspecting borrowers. When seeking instant loans online, it can be challenging to distinguish between legitimate and illegal lenders. To avoid falling prey to illegal lending practices, it's important to verify the lender's credentials. For example, Digido, one of our partners, is a fully licensed company with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Always take the time to do your research and ensure that you're working with a reputable online lender.

What are Online Loans?

Building a solid financial foundation takes strategic planning and discipline, but life is unpredictable, and emergency expenses can catch you off guard. In such cases, borrowing from loved ones, traditional banks, or lenders can be a viable option. While banks offer lower interest rates and favorable repayment terms, the loan application process can be tedious and cumbersome, leading people to seek alternative solutions. Online loans have become increasingly popular, offering borrowers a quick, hassle-free way to access funds without leaving their homes or spending time researching the best deals.

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

  1. Get the best loan deals by comparing options from multiple lenders online, from the comfort of your home or office.
  2. Enjoy unparalleled convenience with 24/7 online lending services, making it easy to apply for and obtain loans anytime.
  3. The documentation process for online loans is hassle-free, with minimal requirements and no need for collateral or guarantors.
  4. An automated system ensures fair and efficient loan evaluation, decision-making, and fund transfer, saving you time and effort.
  5. Rest assured that your financial information remains private and secure, with no need to share sensitive details with banking professionals.
  6. Benefit from quick loan processing and disbursement, with many online lenders offering "Same Day Loans" that can be approved and disbursed within hours.
  7. With an impressive approval rate of 90%, online lenders do not engage in cross-selling, unlike some traditional banks.
  8. Use online loans for any purpose, as they are versatile and cater to various financial needs.
  9. Keep track of your loan payments with ease, thanks to online loan management tools that make it simple to stay on top of payments.

In the Philippines, people are turning to online loans for their financial needs because of their convenience and accessibility. These loans have become popular due to their simple application process, high approval rates, and minimal documentation requirements. They are a great option even for those with a less-than-perfect credit history. Additionally, the quick fund disbursement makes these loans even more appealing to those who need money urgently.

How to Take an Instant Loan Correctly and Profitably?

The ease of obtaining fast cash through online loans can be tempting, causing some people to rely on them for all their financial needs without careful thought. However, this behavior can lead to financial chaos and eventually lead to a cycle of debt.

Below are the crucial points in securing the right loan:

  1. Honesty is key when applying for loans. Providing false financial information can lead to negative consequences like hard credit checks that lower your score and make it harder to get good loans in the future.
  2. Avoid applying for loans from multiple lenders simultaneously as each credit check can lower your score. It's best to limit credit inquiries to preserve your score.
  3. Shop around and compare loan options from different lenders to find the best one for you. Take your time to make an informed decision.
  4. Create a solid repayment plan to ensure you can repay the loan in full and on time. Late or missed payments can hurt your credit score and make it difficult to secure favorable loans in the future.
  5. Always check and comprehend all loan documents and terms before making any final decisions.


Taking out a loan can be a risky move that requires careful consideration. While it can provide a much-needed financial boost to achieve your goals, it can also lead to a cycle of debt if not handled responsibly. To make the most of loans, it is essential to have a clear understanding of your finances and a well-thought-out plan. With careful planning and wise decision-making, loans can be an asset to your financial journey.

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 choosing a loan, it's important to consider the Annual Percentage Rate (APR), which represents the interest you will be charged over the loan term and includes the loan amount, fees, and repayment schedule. APRs can vary greatly depending on the type of loan and lender, with cash advances carrying the highest rates of up to 1386%, while personal loans may range from 4.99% to 450%. Before signing a loan agreement, it's essential to carefully review the APR and other loan terms, as lenders are legally required to disclose this information. Note that APR rates may fluctuate over time and are subject to change.

Material Disclosure: Our website does not operate as a lender, intermediary, or representative of any financial institution. Rather, we serve as an advertising platform that connects prospective borrowers with accredited lending partners who can provide 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. Please be aware that not all lending institutions can provide these loan amounts, and there is no assurance of acceptance from any participating lender. Our services do not constitute an offer or request for any unlawful loan product. We are not making a specific loan offer, nor are we under any obligation to lend money. Our platform does not endorse or charge for any product or service, and any payment we receive is exclusively for the advertising services we provide to participating lenders. This service and offer are invalid in prohibited areas. We have no control over the actions of any lender, and we are not responsible for their behavior. We do not have access to all aspects of your loan, including the APR. For more information on your loan, such as specific loan terms, interest rates, renewal choices, payment specifics, and the possible consequences of missed payments, please contact your lender directly. By submitting your registration information on our website, it may be shared with one or more participating lenders. Using our service does not obligate you to contact a lender, sign up for credit or a loan product, or accept a loan from a participating lender. The repayment terms, cash transfer times, and local regulations may vary among lenders. Some faxing may be required. These disclosures are given for informational purposes only and should not be viewed as legal advice.

Credit Implications:The website operator is not a lender and does not make any lending decisions. Instead, we provide a platform that connects borrowers to independent participating lenders who may conduct credit checks with credit reporting agencies or alternative providers to assess your creditworthiness and credit history. By submitting your information, you authorize these participating lenders to verify your details and credit history. It's important to note that the loans offered by our participating lenders are intended to provide you with short-term financial relief and should not be used as a long-term solution to your financial needs. Before you accept any loan offer, you should carefully consider your financial situation and only borrow what you can afford to repay on your next payday. You may wish to seek expert financial advice for your needs, risks, and alternatives to short-term loans. Late loan payments may incur additional fees, and lenders may take collection actions or legal proceedings to recover the debt. Each participating lender operates under their own terms and conditions, which may differ from other lenders, so it's important to review them before proceeding with a loan. Failure to repay a loan could lead to collection activities, and each lender has a unique renewal policy, which should be reviewed before accepting a loan offer.