5 minutes or less - get it done now!

90% Approval Rate Loans,

Secure Instant Process

Check your qualification by answering a few questions

Are you over 21?

Are you employed?

Who is eligible to apply?

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


  • Enjoy effortless online transactions from the comfort of your home
  • Say goodbye to physical visits - our services are completely virtual
  • Access up to ₱10,000 in just 4 minutes with our lightning-fast system
  • Receive your funds directly in your bank account
  • No need for guarantors, complicated documentation, or large deposits
  • Our fully automated service takes care of all your financial needs


Need a quick loan with flexible payment options? Consider our Instant Online Loan!

  • Choose a repayment plan that suits you - we offer terms of 3, 4, 5, or 6 months
  • Borrow anywhere from ₱10,500 to ₱25,000 depending on your needs
  • Enjoy low interest rates of just 11.9% per month (with a maximum APR of 143%)

Representative example:

When you apply for a loan of ₱20,000 with us and select a 6-month repayment plan, your monthly installment will be just ₱5,000. While the total cost of the loan will be ₱2,383 per month, keep in mind that the maximum APR is 143%.

Online Loans in the Philippines

For generations, we've been advised to save money and avoid loans whenever possible. But in today's world, financial stability is a goal that transcends age, gender, and socio-economic status. When used wisely, loans can help us achieve this goal.

For instance, borrowing money to learn new skills or enhance our professional capabilities can have a lasting positive impact on our lives. However, taking out loans for leisure activities or consumer goods can lead to debt and financial instability. In other words, it's not the mere presence of loans that matters, but rather how we use them. By making informed borrowing decisions, we can achieve financial independence and avoid the pitfalls of imprudent debt.

How do Instant Loans Work in the Philippines?

In many rural areas of the Philippines, traditional banking services are out of reach for a large portion of the population. This leaves them with limited options for managing their finances, and often requires traveling long distances to crowded banks with slow service.

Fortunately, online loans provide a convenient alternative. With just a valid ID and proof of income, you can easily apply for a loan through an online portal. There's no need to leave your home or wait in long lines. Plus, with high internet penetration rates in the country, the process is quick and accessible to many. Online loans are ideal for urgent financial needs, offering convenience and speed without the headache of traditional banking services.

Are Online Loans Legit?

The rise of online lending has made it more convenient than ever to get a quick loan. However, not all lenders are trustworthy, and it's crucial to exercise caution when dealing with online lending companies. To operate legally in the Philippines, lenders must register with the SEC and have a physical office in the country. Unfortunately, some illegal lenders operate exclusively online and engage in unethical practices that harm unsuspecting customers. Distinguishing between legitimate and illegal lenders can be challenging, but it's critical to do your research before applying for a loan. One reliable partner to consider is Digido, a fully licensed company with SEC Registration No.: 202003056 and Certificate of Authority No. 1272. By partnering with Digido or other reputable online lenders, you can rest assured that you're working with a trustworthy company that has your best interests in mind.

What are Online Loans?

Becoming financially independent requires discipline and careful planning, but unexpected expenses can throw even the most well-laid plans off track. In situations like these, loans from family, friends, banks, or lenders may be necessary. While banks typically offer low interest rates and flexible loan terms, securing a bank loan can be a daunting task, with many hoops to jump through. That's why many people turn to alternative options like online loans or lender loans. Online loans offer a convenient solution for those who need cash fast without the hassle of leaving home or shopping around for the best rates. With just a few clicks, borrowers can apply for a loan and receive the funds they need to cover unexpected expenses and get back on track towards financial stability.

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

  1. Online lending allows for easy comparison of loan options from various lenders, all from the comfort of your home or office.
  2. Online lenders operate 24/7, offering unparalleled convenience and making it easy to obtain a loan at any time.
  3. The documentation process for online loans is straightforward, requiring minimal requirements and no collateral or 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 you do not need to share details with a banking professional.
  6. Online loans are known as "Same Day Loans" 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 unlike some banks, online lenders do not engage in cross-selling.
  8. Online loans are versatile and can be used for any purpose.
  9. Online loan management tools make it easy to keep track of loan payments.

The demand for online loans in the Philippines is soaring, thanks to their easy accessibility and convenience. The loan approval rate is high, and the documentation process is simple, making them an attractive option for people with a less-than-perfect credit history. The best part is the quick disbursement of funds that takes place as soon as the loan is approved. This makes online loans a go-to solution for Filipinos who require financial aid.

How to Take an Instant Loan Correctly and Profitably?

The ease and convenience of obtaining quick funds through online loans can be tempting, causing some individuals to rely on them for every financial need without careful thought. However, this impulsive behavior can lead to financial instability and ultimately result in an unmanageable debt burden.

Below are the crucial points in securing the right loan:

  1. Honesty is crucial when applying for loans. Falsifying information about your financial history can negatively impact your credit score, making it harder to secure favorable loans in the future.
  2. Applying for loans from multiple lenders simultaneously can lower your credit score, so it's best to avoid it.
  3. Take your time to research and compare different lenders to find the best loan option for your needs.
  4. Have a solid repayment plan in place to ensure you can repay the loan on time and in full. Late or missed payments can harm your credit score and affect future loan opportunities.
  5. Before signing any loan agreement, carefully review and understand all terms and conditions to avoid any surprises in the future.


Loans can either be a blessing or a curse depending on how you use them. While they can provide the financial assistance you need to achieve your goals, they can also trap you in a vicious cycle of debt if you're not careful. To use loans to your advantage, it's important to have a clear understanding of your financial position and develop a smart repayment plan. By taking the time to evaluate your needs and make informed decisions, loans can be a powerful tool in your pursuit of 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, the Annual Percentage Rate (APR) is a crucial factor to take into account. This percentage represents the amount of interest you'll be paying over the course of the loan, including any fees and the repayment schedule. Keep in mind that different loans and lenders will have varying APRs. For instance, cash advances tend to have the highest APR rates, going as high as 1386%, while personal loans have a more reasonable range from 4.99% to 450%. It's essential to carefully review and compare the APR rates of different loan options to make an informed decision. Remember, lenders are legally obligated to disclose the APR and other loan terms upfront. Additionally, keep in mind that APR rates may be subject to change and may fluctuate over time.

Material Disclosure: Our website functions as a connection platform that matches potential borrowers with participating lenders who are authorized to offer loan amounts 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. We do not operate as a lender, intermediary, or representative of any lending institution, and we do not endorse or charge for any service or product. It's important to keep in mind that not all lenders are capable of providing these loan amounts, and there is no guarantee of acceptance by any participating lender. We do not offer or request any illegal loan product, nor do we commit to lend. Our platform does not have control over any lender's actions, and we are not liable for them. Our service is provided solely for the purpose of advertising services offered by participating lenders. This offer is null and void in prohibited areas. We do not have access to your loan's full details, 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 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 register for credit or any loan product, initiate contact with a lender, or accept a loan from a participating lender. Lenders' repayment terms, cash transfer times, and local regulations may differ. Some lenders may require faxing. These disclosures are intended for informational purposes only and should not be considered legal advice.

Credit Implications: The company operating this website does not determine whether to grant loans or not. Instead, we connect you with participating lenders who may evaluate your creditworthiness by verifying your credit history through credit reporting agencies or alternative providers. By providing your information, you give these lenders permission to verify your details and credit history. The loans available through our network are intended to provide short-term financial relief and are not intended to be a long-term solution for debt. It is important to borrow only what you can repay on your next payday. We recommend seeking professional financial advice for your specific needs, risks, and alternative options to short-term loans. Late payments may result in additional fees or collection actions, or both. Each lender operates under their own terms and conditions, so make sure to review them carefully before accepting a loan. Failure to repay a loan may lead to collection activities. Additionally, each lender has a unique policy for renewals, so it is important to review their policy before proceeding.