Lafingo
The best loan comparison platform in the Philippines
The best online loans comparison platform in the Philippines
⭐ TOP-3 best online loans Philippines 2025
Finbro.ph Full loan repayment -
You can pay the entire loan on or before the Next Payment date without any additional costs. You can check the total amount to be paid and payment terms for the loan by logging into your Finbro account.
Minimum payment -
In case you cannot pay your full repayment yet, Finbro offers an option to make Minimum payment which will prolong your Next Payment date for 7, 14 or 30 days. Details can be found by logging into your Finbro account
Moneycat.ph MoneyCat understands that not everyone may have a perfect credit history. While a good credit score can be beneficial, it's not always a strict requirement for loan approval. MoneyCat considers various factors, including your income and repayment capacity, when evaluating loan applications.
Cash2go.ph Cash2go provides loan offers ranging from ₱1,000 to ₱25,000 for durations of 61 to 120 days. Lending rates vary by lender, with rates from 0% up to a maximum APR of 143%. For example, if you take out a loan of ₱1,000 with an interest rate of 36% per year and plan to repay it in 3 months, the total payment after 3 months would be ₱1,090.
Finding reliable online loans in the Philippines can feel overwhelming. At Lafingo, we simplify the process. With the help of our experienced and independent loan evaluators, we’ve curated the most suitable online loan apps in the Philippines for September 2025, helping you make safe and informed borrowing decisions.
Most popular online loans in the Philippines in September 2025 ⭐
Loan from PHP 500 to PHP 20,000 MoneyCat understands that not everyone may have a perfect credit history. While a good credit score can be beneficial, it’s not always a strict requirement for loan approval. MoneyCat considers various factors, including your income and repayment capacity, when evaluating loan applications.
Fast approvals
User-friendly online app
0% interest for new clients
All digital
Loan from PHP 1,000 to PHP 50,000 Full loan repayment –
You can pay the entire loan on or before the Next Payment date without any additional costs. You can check the total amount to be paid and payment terms for the loan by logging into your Finbro account.
Minimum payment –
In case you cannot pay your full repayment yet, Finbro offers an option to make Minimum payment which will prolong your Next Payment date for 7, 14 or 30 days. Details can be found by logging into your Finbro account
Minimal documentation required
Fast processing of the application
Loans up to PhP 50,000
Loan from PHP 1,000 to PHP 25,000 Cash2go provides loan offers ranging from ₱1,000 to ₱25,000 for durations of 61 to 120 days. Lending rates vary by lender, with rates from 0% up to a maximum APR of 143%. For example, if you take out a loan of ₱1,000 with an interest rate of 36% per year and plan to repay it in 3 months, the total payment after 3 months would be ₱1,090.
Fast processing and approval
Personalized approach
Intuitive platform
Loan from PHP 500 to PHP 25,000 Crezu does not charge any service fees. It’s absolutely FREE! The loans offered have minimum repayment terms of 61 days (2 months) and maximum repayment terms of 120 days (4 months). Lending rates vary from lender to lender in the range from 12% to a maximum APR of 36%. For example, for a loan of ₱ 10,000 that will be paid in 3 months, the total payment of the loan will be ₱ 15,000.
0% interest on the first loan
Does not ask for credit history
Easy and fast application
Loan from PHP 1,000 to PHP 20,000 Experience easy borrowing with Cash-Express. For a 7-day loan, you’ll benefit from 0% interest on the principal for the first week, transitioning to just 1.99% daily interest after that. Similarly, with a 14-day loan, the interest rate is 1% for the first 14 days, with a low daily rate of 1.99% for any subsequent period.
Fast approval; as fast as 5 minutes
All digital
Easy and intuitive interface
Requires only a valid ID
Loan from PHP 1,000 to PHP 25,000 Credy provides loan offers ranging from ₱1,000 to ₱25,000 for durations of 61 to 120 days. Lending rates vary by lender, with rates from 0% up to a maximum APR of 143%. For example, if you take out a loan of ₱1,000 with an interest rate of 36% per year and plan to repay it in 3 months, the total payment after 3 months would be ₱1,090.
0% interest on the first loan
Easy online application process
Quick feedback, only 10 minutes
Loan from PHP 1,000 to PHP 25,000 Loan of 20000 ₱ for 6 months, monthly payment 5716 ₱, total amount 34296 ₱, annual percentage rate APR 143%. APR is the total cost of a loan expressed as a percentage of the total amount of loan granted per year. The maximum APR possible is 180%.
0% interest rate for new clients
Funds transfer to any bank
Easy and intuitive interface
No employment background check
Loan from PHP 1,000 to PHP 25,000 Max. APR (annual percentage rate) 180%. Calculation example: 5000 ₱ and a loan term of 3 months, total payment within 3 months: 14810 ₱, of which interest on the loan: 9810 ₱. The minimum loan repayment period is 3 months and the maximum loan repayment period is 1 year.
Zero service charges
Zero interest for first-time borrowers
Fast loan application decision
Loan from PHP 500 to PHP 50,000 The maximum available amount of loan is up to 50 000 pesos
The minimum loan term is from 61 days to 60 months.
The minimum interest rate is 11.9% per annum, the maximum is no more than 365% per annum.
No background checks
Quick loan processing
Only reliable lending companies
Loan from PHP 500 to PHP 30,000 Assume you apply for a loan of 30,000 PhP at a monthly interest rate of 4.5% for a 3-month period. By the loan’s due date, you’ll be charged an additional 4,050 PhP. Hence, your total repayment will be 34,050 PhP. For further clarity, here are interest calculations that reveal the repayment sum (inclusive of interest) for typical service users. Loan amount: 30,000 PhP; monthly interest: 4.5%; loan term: 3 months. The 3-month period accrues interest at 4.5(%) * 3(months) = 13.5%. This equates to (13.5% * 30,000 PhP (loan amount))/100% = 4,050 PhP (accumulated interest). So, 30,000 PhP (loan amount) + 4,050 PhP (interest) = 34,050 PhP, which is due in three months. If a payment is delayed, the penalty fee is 0.10% daily, but it won’t exceed 10% of the loan amount. In case of significantly overdue payments, your information will be reported to a credit bureau. However, a loan extension can be arranged if the lender is informed promptly (before the loan due date) and if the interest for the original loan period is paid. No extra charges apply for loan extensions.
40+ online lending partners
Fast application and approval
High approval rate
Loan from PHP 1,000 to PHP 50,000 The amount is 30,000 Php, the interest rate per month is 4.5%, and the loan term is 3 months. 4.5 (%) * 3 (months) = 13.5% for 3 months (13.5% * 30,000 Php (loan amount)) / 100% = 4050 Php (amount of accrued interest) 30000 + 4050 = 34050 Php is the amount of money needed to be repaid in 3 months. In case of violation of the terms, the penalty amount is 0.10% of the overdue amount per day, but not more than 10% of the loan amount. In сase of a long delay in repayment, the information will be transferred to the credit bureau. The loan may be extended if the lender is informed in a timely manner (before the loan repayment date) and interest for the initial loan term is paid. There are no additional fees for loan extensions.
0% interest rate
Applications any time of the day
Easy and intuitive interface
Fast and reliable sevice
Why choose Lafingo for online loans in the Philippines?
Jumping from one online loan app to another to find the best suited for your needs is tedious and time-consuming. And even then, you can’t do a side-by-side comparison of the online loans available in the country that easily. If you find yourself asking “what is the best loan app in the Philippines?”, then take a look at our platform, Lafingo.
As a leading online loan comparison platform, Lafingo helps users compare the pros and cons of each loan app in the Philippines. No need for lengthy and tiresome research. Simply use our platform to learn everything you need to knowabout the different loan types available on the market and find the best available online loan for your needs.
The benefits of using our Lafingo website
We compile the latest loan offerings – Whether you need a car loan, consumer loan, or emergency loan, you will find the latest offers from legit loan companies.
Easily compare according to criteria – The different types of loans being offered these days and the many choices available can be quite confusing. Lafingo lets you compare loans according to your chosen criteria.
Only legitimate sites included – Unfortunately, many claim to be licensed online Philippines loan providers but are actually fly-by-night lenders. Lafingo only includes those loan apps operating legally within the country.
Quick search – Lafingo’s interface is intuitive and easy to use. No need to spend considerable time trying to understand how our platform works.
“With the country’s growing mobile internet penetration and smartphone use, loan apps have become a popular alternative to conventional loans.” — Business Diary
The basics of online loans
Most Filipinos will need to take out a loan at some point in their lives, whether for emergencies, education, home improvements, or starting a small business. However, many still don’t fully understand how loans actually work.
A loan is money provided by a lender, either a financial institution, an online loan app, or sometimes even an individual, with the agreement that the borrower will repay the original amount (called the principal) along with additional charges known as interest. This interest is essentially the cost of borrowing money.
Before approving a loan request, lenders usually evaluate the borrower’s income, employment stability, debt history, and credit score (if available). In the Philippines, not everyone has a formal credit history, which is why many online lending apps use alternative data such as mobile phone usage, bill payments, or e-wallet activity to assess a borrower’s reliability.
Borrowers considered high-risk, such as those with irregular income or poor repayment records – are often charged higher interest rates or processing fees. This helps lenders reduce their risk, but it also makes borrowing more expensive for those who may need it most.
Important terms about online loans
Principal: The amount of money being borrowed.
Interest: This is the cost of borrowing in percentage of the principal amount. The interest rate is typically expressed annually via the annual percentage rate.
Loan Term: The amount of time that the borrower has to repay the loan. The time a borrower has to repay the loan amount plus interest.
Loan Payments: This is the amount of money the borrower must pay weekly or monthly depending on the loan terms. Borrowers are often provided an amortization table that indicates the principal, interest rate, and weekly or monthly loan payment amount by the lender.
Online loans have all the elements above. But unlike other loan types, online loans typically are received and processed quickly since they are meant to solve the urgent financial needs of borrowers. The best loan app online can process an application in less than 15 minutes.
Non-bank sector companies typically provide online loans that can be completed using any smart device. The loan amounts, however, may be lower than other loan types since the processing and vetting time of the borrower is quicker. Online loans do not require as much paperwork as other kinds of loans, but their interest rates are typically higher.
Ready to find the best online loan app in the Philippines?
Info and review
Finbro.phFull loan repayment –
You can pay the entire loan on or before the Next Payment date without any additional costs. You can check the total amount to be paid and payment terms for the loan by logging into your Finbro account.
Minimum payment –
In case you cannot pay your full repayment yet, Finbro offers an option to make Minimum payment which will prolong your Next Payment date for 7, 14 or 30 days. Details can be found by logging into your Finbro account
Info and review
Creditnice.phThe amount is 30,000 Php, the interest rate per month is 4.5%, and the loan term is 3 months. 4.5 (%) * 3 (months) = 13.5% for 3 months (13.5% * 30,000 Php (loan amount)) / 100% = 4050 Php (amount of accrued interest) 30000 + 4050 = 34050 Php is the amount of money needed to be repaid in 3 months. In case of violation of the terms, the penalty amount is 0.10% of the overdue amount per day, but not more than 10% of the loan amount. In сase of a long delay in repayment, the information will be transferred to the credit bureau. The loan may be extended if the lender is informed in a timely manner (before the loan repayment date) and interest for the initial loan term is paid. There are no additional fees for loan extensions.
Info and review
Cash2go.phCash2go provides loan offers ranging from ₱1,000 to ₱25,000 for durations of 61 to 120 days. Lending rates vary by lender, with rates from 0% up to a maximum APR of 143%. For example, if you take out a loan of ₱1,000 with an interest rate of 36% per year and plan to repay it in 3 months, the total payment after 3 months would be ₱1,090.
Info and review
Moneycat.phMoneyCat understands that not everyone may have a perfect credit history. While a good credit score can be beneficial, it’s not always a strict requirement for loan approval. MoneyCat considers various factors, including your income and repayment capacity, when evaluating loan applications.
In recent years, online loans have gained significant popularity and are expected to continue to experience steady growth. Should you need to take out an online loan in the Philippines, here’s the process you will need to follow.
Loan offer comparison – You’ll need to check out the lenders’ loan offers to find the best loan for your needs. Different firms offer various loan terms at different times of the year.
Choose a top online loan application – Consider the interest rates, and loan term conditions before choosing a single lender. Also, keep in mind your financial capabilities at the moment and your present and future cash flow.
Online loan registration – You will need to register at your chosen online loan firm by filling out the application form. Make sure to provide and submit all the required information and documents to complete the registration process to avoid delays in the loan application and processing.
Receipt of the loaned money – The money from your loan online will be credited to the bank account you provided to the lender shortly after your loan was approved.
What is the best loan app in the Philippines for September 2025?
Online loans in the Philippines has been gaining more ground as more people use smartphones. These days, one no longer needs to find a computer to process an online loan as any smart gadget like phones or tablets will make it easy to access to apply for a loan online in the Philippines.
It is imperative to find a licensed, trusted online loan app that will allow you to secure loans safely. If you are in search for the best loan app PH, below are four of the popular online loan apps in the Philippines this September 2025:
Info and review
Finbro.phFull loan repayment –
You can pay the entire loan on or before the Next Payment date without any additional costs. You can check the total amount to be paid and payment terms for the loan by logging into your Finbro account.
Minimum payment –
In case you cannot pay your full repayment yet, Finbro offers an option to make Minimum payment which will prolong your Next Payment date for 7, 14 or 30 days. Details can be found by logging into your Finbro account
Info and review
Creditnice.phThe amount is 30,000 Php, the interest rate per month is 4.5%, and the loan term is 3 months. 4.5 (%) * 3 (months) = 13.5% for 3 months (13.5% * 30,000 Php (loan amount)) / 100% = 4050 Php (amount of accrued interest) 30000 + 4050 = 34050 Php is the amount of money needed to be repaid in 3 months. In case of violation of the terms, the penalty amount is 0.10% of the overdue amount per day, but not more than 10% of the loan amount. In сase of a long delay in repayment, the information will be transferred to the credit bureau. The loan may be extended if the lender is informed in a timely manner (before the loan repayment date) and interest for the initial loan term is paid. There are no additional fees for loan extensions.
Info and review
Cash2go.phCash2go provides loan offers ranging from ₱1,000 to ₱25,000 for durations of 61 to 120 days. Lending rates vary by lender, with rates from 0% up to a maximum APR of 143%. For example, if you take out a loan of ₱1,000 with an interest rate of 36% per year and plan to repay it in 3 months, the total payment after 3 months would be ₱1,090.
Info and review
Moneycat.phMoneyCat understands that not everyone may have a perfect credit history. While a good credit score can be beneficial, it’s not always a strict requirement for loan approval. MoneyCat considers various factors, including your income and repayment capacity, when evaluating loan applications.
Aside from online loans in the Philippines, Lafingo’s evaluators offer their expert insights on other financial services.
Credit cards – Credit cards offer short-term credit, allowing their holders to pay for goods and services and even withdraw small amounts of money. These payment cards impose a credit limit and offer an interest-free period. Borrowers who fail to pay the full amount of their short-term credit will be charged interest by the credit card companies.
Insurance – It is a financial instrument offering compensation or protection when something happens unexpectedly to a person or property. There are different kinds of insurance including life, health, property, and travel.
Savings and Investments – These are primarily intended to help individuals build capital over a long period. Savings like deposit accounts in a bank or government-backed securities are deemed safe financial strategies but offer lower returns. In contrast, investments such as bonds, stocks, or mutual funds are considered riskier strategies but typically offer higher yields for investors. Either way, both savings and investments are geared toward people who want to become financially secure in the long term.
Peer-to-Peer (P2P) Lending – As its name suggests, P2P is a kind of loan online where an individual loans money to another directly. An online platform usually connects the prospective borrower to a lender who is looking to gain higher returns than putting his or her money in a conventional bank deposit.
Frequently Asked Questions about loans online❓
What are the legal online loan apps in the Philippines❓
We specialize in online loans comparison and our experts have many years of experience in this field. The Lafingo platform is specially intended to help you understand the online loans providers, their loan offerings, and license information. These will surely be of considerable help to those looking legal online loan apps in the Philippines.
Is Lafingo’s online loan comparison free❓
The online loan comparison platform of Lafingo is free. It is our goal to make online loan information in the Philippines easily accessible and digestible for everyone. This way, prospective loan borrowers can choose thoroughly according to their needs and find the best loans available on the market.
Will Lafingo help me apply for a loan❓
Lafingo is intended to help you find the best loan suited for your needs. It does not offer help in the actual loan processing. Prospective borrowers must apply for their loans online directly to the lenders since Lafingo offers online loan comparison rather than loan application assistance services.
Are online loans in the Philippines safe❓
Online loans in the Philippines are safe as long the lending company is legally operating and licensed by the Security and Exchange Commission (SEC) of the Philippines.
Lafingo expert writer
Cherie Almeda
Cheris Almeda is a content creator in finance from the Philippines, known for her strong analytical skills, strategic thinking, and ability to simplify complex financial concepts for a broader audience.
