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Your independent loan comparison
Cash Loan
How to get the best cash loans in the Philippines and what to avoid?
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Properties of this loan
- Online loans up to ₱20 000
- Term 10 - 180 days
- Easy online application
Loan requirements
- Between 20 to 60 years old
- Currently employed or with a steady income
About company
More information about the company Green Money Tree Lending Corp.
Fast information
Properties of this loan
- Online loans up to ₱20 000
- Term 14 - 28 days
- Easy online application
Loan requirements
- 22 - 60 years old
- Filipino citizen
About company
More information about the company MoneyCat Financing Inc.
Fast information
Properties of this loan
- Online loans up to ₱25 000
- Term 10 - 90 days
- Easy online application
Loan requirements
- 21-70 years old
- Employed individuals and selected professionals
- Filipino residents
About company
More information about the company Robocash Finance Group
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Properties of this loan
- Online loans up to ₱1 000 000
- Term 3 - 36 months
- Bank personal loan
Loan requirements
- Filipino citizen or foreigner residing in the Philippines for more than two (2) years
- Must be 21 years old at time of application but no more than 70 years old upon maturity
- Minimum Gross Annual income
About company
More information about the company BDO Unibank, Inc.
Fast information
Properties of this loan
- Online loans up to ₱10 000
- Term 3 - 36 months
- Flexible repayment
Loan requirements
- Between 21 and 50 years old
- A Filipino citizen with a valid home address in Philippines
- Currently employed or self-employed, OFW/Seafarer’s Allottee or otherwise have steady income
About company
More information about the company Cashcat
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Properties of this loan
- Online loans up to ₱50 000
- Term 61 - 365 days
- Quick online application
Loan requirements
- 18 + years old
- Employed individuals and selected professionals
- Filipino residents
About company
More information about the company Hovono Inc.
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Properties of this loan
- Online loans up to ₱15 000
- Term 91 - 2 years
- Easy online application
Loan requirements
- Age 18+
- Bank card
- Mobile phone
- The Philippines citizenship
About company
More information about the company SIA ROKSORE
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Properties of this loan
- Online loans up to ₱35 000
- Term 3 - 12 months
- Easy online application
Loan requirements
- Citizens of the Philippines
- Must be 20 years old or older during the loan application, have a regular, documented income, and have no overdue loans
- The service is currently available in Manila
About company
More information about the company PeraJet Lending Corporation
Fast information
Properties of this loan
- Online loans up to ₱20 000
- Term 3 - 36 months
- Flexible repayment
Loan requirements
- Between 22 to 60 years old
- Currently employed or with a steady income and with a valid home address in Metro Manila and other select areas in the Philippines
About company
More information about the company Binixo Corporation
Fast information
Properties of this loan
- Online loans up to ₱10 000
- Term 30 - 60 days
- Quick online application
Loan requirements
- Must be 21 – 49 years old
- A Filipino citizen residing in Metro Manila or nearby provinces
- A regular employee or self-employed with two (2) years of profitable operation
About company
More information about the company Easycash Lending Company, Inc.
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Properties of this loan
- Online loans up to ₱30 000
- Term 28 days
- Easy online application
Loan requirements
- Valid government ID
- Proof of income
- Proof of billing
- Must be 21 to 50 years old
- A Filipino citizen
- Has a regular source of living (employed, self-employed, or OFW/Seafarer’s Allottee)
- Can comply with all the requirements for your application to be processed
About company
More information about the company Cash Mart Philippines
Fast information
Properties of this loan
- Online loans up to ₱300 000
- Term 6 - 32 months
- For all Kabayans who still call Philippines home
Loan requirements
- Must be employed as OFW.
- 21 years old or older
About company
More information about the company Clarify Marketing PTY LTD
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Properties of this loan
- Online loans up to ₱10 000
- Term 15 days - 6 months
- Native mobile application
Loan requirements
- Cashalo is available to all Filipinos 18+
- Who are employed or with steady income
About company
More information about the company Oriente Express Techsystem Corporation
Fast information
Properties of this loan
- Online loans up to ₱25 000
- Term 7 - 30 days
- Easy online application
- Instant decision
Loan requirements
- Customers need to be at least 21 years old
- Be employed
- With a valid home address in either Metro Manila, Cavite, Bulacan, Rizal, or Laguna. .
About company
More information about the company My Cash
Fast information
Properties of this loan
- Online loans up to ₱50 000
- Term 3 - 5 weeks
- Easy online application
Loan requirements
- At least 21 years old
- In employment
- 1 valid ID
- Latest proof of billing
About company
More information about the company Cash Mart Philippines
Fast information
Properties of this loan
- Online loans up to ₱20 000
- Term 30 - 90 days
- Easy online application
Loan requirements
- Person must be 22 – 60 year’s old
- Citizen of Republic of the The Philippines
- With monthly income
- Active Mobile number
- Active Bank account
- Valid ID document
About company
More information about the company Fintech Global Partners LP
Fast information
Properties of this loan
- Online loans up to ₱50 000
- Term 30 - 365 days
- Easy online application
Loan requirements
- Filipino citizenship
- Age from 18 years old
- Credit history
About company
More information about the company Loan-Load FINANCE CORP.
Fast information
Properties of this loan
- Online loans up to ₱15 000
- Term 7 - 90 days
- Easy online application
Loan requirements
- 18 + years old
- Employed individuals and selected professionals
- Filipino residents
About company
More information about the company Clarify Marketing PTY LTD
Fast information
Properties of this loan
- Online loans up to ₱1 000 000
- Term 12 - 60 months
- Easy bank application
Loan requirements
- Must be at least 21 years old and no older than 65
- Must be a Philippine citizen
- Must have a Philippine mailing address and active local mobile number
- Must have a minimum gross monthly income of PHP 15,000
- If employed, must be tenured for at least 6 months or 1 year of continuous employment
- If self-employed, must be operating for at least 1 year
About company
More information about the company CIMB Bank Philippines Inc.
Fast information
Properties of this loan
- Online loans up to ₱50 000
- Term 6 - 24 months
- Easy online application
Loan requirements
- 2 Valid IDs
- With at least 1 Government issued ID
- With one bearing an address
About company
More information about the company HC Consumer Finance Philippines, Inc.
Fast information
Properties of this loan
- Online loans up to ₱15 000
- Term 7 - 90 days
- Easy online application
Loan requirements
- 18 + years old
- Employed individuals and selected professionals
- Filipino residents
About company
More information about the company Clarify Marketing PTY LTD
Fast information
Properties of this loan
- Online loans up to ₱20 000
- Term 30 - 90 days
- Easy online application
Loan requirements
- Must be a citizen of the Republic of the Philippines
- At least 22 – 60 years old
- Valid ID/documents
- Bank account
- Phone number
About company
More information about the company Fintech Global Partners LP
Fast information
Properties of this loan
- Online loans up to ₱250 000
- Term 24 - 36 months
- Easy bank application
Loan requirements
- Filipino Individuals residing in the Philippines
- Age of borrower from 22 years old to 54 years old upon application
- If employed, must be at least two years permanent work status with one year tenure in current employer
- If engaged in business, must be operating profitably for the last three years
- Gross monthly income of at least PhP15,000 for employed and PhP30,000 for self-employed
- With residential landline or mobile number, business landline and email address
- Preferably an active credit cardholder
About company
More information about the company Philippine Savings Bank
Fast information
Properties of this loan
- Online loans up to ₱15 000
- Term 7 - 35 days
- Quick online application
Loan requirements
- Between 21 + years old
- A Filipino citizen with a valid home address in Philippines
About company
More information about the company WME Phils Corporation
Fast information
Properties of this loan
- Online loans up to ₱25 000
- Term 10 - 180 days
- Easy online application
Loan requirements
- At least 18 years old
- Has a stable source of income
- Has a valid government ID
About company
More information about the company Fininity Ltd
Fast information
Properties of this loan
- Online loans up to ₱25 000
- Term 1 months
Loan requirements
- Basic requirements for borrowers: Age from 18 years, the presence of citizenship of Philippines (requires a citizen's passport)
About company
More information about the company Infinsacom Kft.
Faced with a financial emergency, 67.2% of Filipinos would be caught flat-footed due to lack of savings. These figures come from the startling revelation that only 32.8% of natives in the Philippines have some savings. If you form part of the majority, a financial emergency is no doubt likely to cause an upheaval, both financially and emotionally. An excellent cash loan option for salaried people is the ever popular payday loan.
However, if you ever need to apply for one, you will need to pick the best one among the available options. Here are four expert tips to help you identify the best payday loans in the Philippines.
Shop Around
You have likely come across many payday loans advertisements and notices. However, do not settle on the first lender you come across. Instead, collect information from 3-4 lenders to enable you to make comparisons. Some of the critical things you want to compare are the interest rates. The interest rate will determine how expensive a credit facility is. You, therefore, want to find a lender with the lowest rates.
To make this process easier, you can use an online cash loan calculator. These calculators can give you information on:
- Your loan affordability
- What a loan payment structure would be for different amounts
In addition to the interest rates, find out what the rollover fees would be in the event that you are unable to clear your loan.
Do Your Research
The internet has made it possible to find information on virtually anything in the universe. Once you have identified a few prospects, you want to look at their online reviews to see what their previous and current customers are saying about them. Aside from low interest rates, you want to pick a company with good reviews and with a track record of treating its customers well.
Something else you want to look at is its accreditations. One way of doing this is by searching the lender's accreditation on the Securities and Exchange Commission website. Accredited lenders have to conform to industry standards, and they are less likely to have exploitative business practices.
Accessibility and Responsiveness
If you seek to apply for payday loans online, gauge the lender’s responsiveness in the initial stages. You can easily do this by calling them, chatting them on the company website or by emailing them. The goal of this is to see how approachable they are. If you encounter problems after taking out a loan, or need clarification, it’s best to be dealing with a company that prioritizes client communication.
Transparency
Financial matters can be complicated. For this reason, you need a lending partner that is open and transparent with information. Understanding all matters pertaining to your loan facility is pivotal in helping you make sound financial judgments. Whether you visit a brick and mortar establishment or contact a lender online, be sure to pay attention to their willingness to break down information to you. In addition, view companies with easy-to-understand loan agreements more favorably.
Final Thoughts
Granted, the reasons behind your application for a payday loan might be pressing. Nonetheless, it’s in your best interest to carry out a thorough evaluation of the different lenders in the market. Ultimately, this is the only way to get yourself the best payday loans in the Philippines.
