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Who is eligible to apply?

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


  • Say goodbye to the hassle and experience seamless transactions from your home.
  • You don't need to step outside or visit a physical location as all operations are done online.
  • With our efficient system, you can receive up to ₱10,000 in just four minutes, credited directly to your account.
  • Our fully automated service eliminates the need for guarantors, complicated documentation, or hefty deposits.
  • The best answer to your financial needs.


Manage your finances effortlessly with our Instant Online Loan.

  • Our installment form of credit comes with flexible repayment terms, so you can choose from 3, 4, 5 or 6 months as your repayment period.
  • Get the funds you need with amounts from 10,000 to 25,000.
  • The maximum APR for our loans is 143%, with an interest rate of 11.9% per month.

Representative example:

Apply for PHP 20,000 and pay it back over a 6-month period with monthly payments of only PHP 5,000. Our low total loan cost of PHP 2,383 per month and competitive APR of 143% make us the smart choice for your financial needs.

Online Loans in the Philippines

While conventional wisdom may advocate for cost-cutting and the avoidance of loans, a significant number of people across diverse demographic groups strive to achieve financial stability.

Loans, when used prudently, can play a pivotal role in enhancing one's financial situation. For example, borrowing to invest in professional development or acquiring new skills can yield substantial long-term benefits.

In contrast, loans used for indulging in consumerist or leisurely pursuits can weaken one's financial stability.

Using loans wisely can lead to financial independence, while imprudent loan usage can lead to financial ruin.

How do Instant Loans Work in the Philippines?

For many residents of rural areas in the Philippines, access to formal banking services is a luxury that is often out of reach.

With few options available, those who need financial assistance must travel to the nearest city, where they are met with long lines and extensive documentation requirements.

However, online loans offer a hassle-free alternative, with a simple application process that only requires a valid ID and proof of income.

With a high rate of internet penetration in the Philippines, online loans are an increasingly popular choice for those in need of speedy and convenient financial assistance.

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 in the Philippines, online lenders must register with the SEC and have a physical office. Unfortunately, some unscrupulous lenders operate exclusively online and engage in unethical practices that prey on unsuspecting customers. When searching for immediate online loans, distinguishing between authorized and unauthorized lenders may be difficult. You can verify the legitimacy of a lender by checking their details on the SEC website. Our partner, Digido, is a fully authorized business with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. Always conduct research and work with a credible online lender.

What are Online Loans?

Successful financial independence demands prudent foresight and self-control, but unpredictable expenditures can disrupt even the most impeccable fiscal strategies. Under such circumstances, loans from various sources, including friends, family, banks, or other lenders, may become imperative. Banks may present lower interest rates and adaptable loan terms, but navigating the complicated process of acquiring a bank loan may be overwhelming. Consequently, many people opt for alternative choices, such as lender loans or online loans, which offer an accessible and hassle-free solution for those who require immediate funds without the inconvenience of stepping out of their homes or scouting for the best bargain.

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

  1. Online lending allows you to compare loan options from different lenders conveniently from your home or office.
  2. Operate 24/7, so you can obtain a loan at any time through online lending.
  3. Online loan documentation is straightforward and requires minimal information without any need for collateral or a guarantor.
  4. An automated system handles the loan process efficiently and fairly, from evaluation to fund transfer.
  5. Online lending keeps your financial information private and doesn't require you to share it with a banking professional.
  6. You can complete the loan application and disbursement process quickly in just a few hours, thanks to "Same Day Loans."
  7. The approval rate for online loans is 90%, and online lenders don't engage in cross-selling like some banks.
  8. Online loans are versatile and can be used for any purpose you need.
  9. Keeping track of loan payments is simple with online loan management tools.

In recent years, online loans have become a popular choice for Filipinos seeking financial aid due to their convenient and accessible nature. These loans have gained widespread appeal due to their easy-to-meet documentation requirements and high approval rate, even for those with less-than-perfect credit scores. The swift disbursement of funds is also a significant advantage of these loans, making them an even more appealing option for those in need of quick financial assistance.

How to Take an Instant Loan Correctly and Profitably?

Obtaining an instant loan requires careful deliberation and thoughtful planning. Although the ease of securing quick funds through an online loan process can be tempting, it is critical to approach the decision with caution. Relying solely on instant loans for all financial needs without proper consideration can result in financial instability and lead to a cycle of debt. It is important to understand the terms of the loan, the associated fees and interest rates, and how you plan to repay the loan before taking the plunge.

Below are the crucial points in securing the right loan:

  1. Always be honest when applying for loans to avoid hard credit checks and negative impacts on your credit score.
  2. Avoid applying for loans from multiple lenders to limit credit checks and protect your score.
  3. Take the time to shop around and compare lenders to find the best loan option for you.
  4. Have a solid plan for loan repayment to avoid missed or late payments that can harm your credit.
  5. Before making any final decisions, carefully review and understand all loan documents and terms.


Loan acquiring is a complicated process that needs thoughtful decision-making to prevent getting caught in a money trap. While loans can provide a much-needed financial cushion, imprudent borrowing can quickly lead to unmanageable debt. Therefore, it's important to have a clear understanding of your financial situation and develop a sensible strategy before taking out a loan. With careful planning and prudent decision-making, loans can serve as a useful financial tool that can help you achieve your goals and attain financial stability.

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: Choosing the right loan can be a complex decision, and the Annual Percentage Rate (APR) is a crucial factor to consider. The APR is the interest rate that will be charged on the loan amount, including fees and repayment schedule, over the duration of the loan. The APR can vary significantly depending on the type of loan and the lender. For instance, cash advances often come with high rates of up to 1386%, while personal loans have APR ranges from 4.99% to 450%. It's essential to read and understand the loan terms and APR before signing the loan agreement. By law, lenders are required to disclose this information, but note that APR rates are subject to change and may fluctuate over time. Thus, make sure to review the APR and all terms carefully to make an informed decision and avoid any unpleasant surprises down the road.

Material Disclosure: The service provided by this website is not that of a lending organization, intermediary, or representative. Rather, we function as a platform that connects potential borrowers with qualified participating lenders. These lenders may offer cash advances ranging from ₱10,000 to ₱25,000, installment loans up to ₱100,000, and personal loans up to ₱500,000. However, it's important to keep in mind that not all lenders can provide such loan amounts, and there is no guarantee that any participating lender will accept your loan application. Our service does not promote or solicit any illegal loan products, nor does it represent a specific loan offer, nor is there any commitment to lend. Our platform does not charge for any service or product, and any compensation we receive is solely for the advertising services we provide to participating lenders. This service is void where prohibited by law. We do not have any control over the actions of any lender, and we are not liable for them. We do not have access to the full details of your loan, including the APR. For more information on your loan, such as specific loan terms, interest rates, renewal options, payment details, and potential consequences for missed payments, please get in touch with 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 initiate contact with a lender, register for credit or any loan product, or accept a loan from a participating lender. Repayment terms, cash transfer times, and local regulations may differ among lenders. Some lenders may require faxed documents. These disclosures are intended for informational purposes only and should not be regarded as legal advice.

Credit Implications: The organization responsible for this website does not make lending decisions but connects you with independent participating lenders who may assess your creditworthiness and credit history. These lenders may perform credit checks with credit reporting agencies or use alternative providers to obtain consumer reports. By providing your information, you agree to these participating lenders verifying your details and credit history. The loans offered by participating lenders are intended to provide short-term cash relief and are not suitable for long-term debt solutions. It is important to only borrow what you can repay on your next payday. It is recommended that you seek expert financial advice for your needs, the risks involved, and alternative options to short-term loans. Failure to repay a loan may result in additional fees or collection actions, or both. Each lender operates under its own terms and conditions, so it is important to review them carefully for more information. If you fail to repay a loan, collection activities may ensue. Each lender has its own unique renewal policy, so be sure to review your lender's policy before proceeding.