Achieve it quickly - within 15 minutes or less!

Low Interest Rate,

90% Approval Rate!

Go through a quick questionnaire to check your eligibility

Are you over 21?

Are you employed?

Who is eligible to apply?

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


  • Enjoy hassle-free transactions from the convenience of your home, with no need to leave or physically go to a location as all operations are conducted online.
  • Our fast and efficient system allows you to receive up to ₱ 10 000 in just four minutes, with the money deposited directly into your bank account.
  • Say goodbye to complicated documentation, guarantors, and large deposits with our service that requires none of these.
  • Our fully automated system makes us the ultimate solution for your financial needs, ensuring a smooth and seamless experience.


Get an Instant Online Loan with easy installment payments.

  • Choose a repayment term that suits you best, from 3 to 6 months.
  • You can borrow an amount ranging from ₱ 10,500 up to ₱ 25,000.
  • Experience a hassle-free application process with our online platform.

Representative example:

Suppose you apply for a loan of PHP 20,000 and select a repayment period of 6 months, you will be required to pay only PHP 5,000 per month. The total loan cost will amount to PHP 2,383 per month, with an Annual Percentage Rate (APR) of 143%.

Online Loans in the Philippines

Although it's often recommended to cut expenses and stay away from loans, individuals from all walks of life strive to achieve financial security. Loans, if used effectively, can greatly improve one's financial position. For instance, taking out a loan for career advancement or obtaining new knowledge can yield long-term advantages.

Conversely, loans used for frivolous spending or entertainment will erode financial well-being. The critical factor is not the existence of loans but rather their responsible utilization. Utilizing loans prudently can result in financial freedom, while reckless loan usage can cause financial devastation.

How do Instant Loans Work in the Philippines?

Access to formal banking services in rural areas of the Philippines can be challenging, leaving many people with limited conventional banking options. This presents a dual challenge as individuals often need to travel to urban centers to visit banks, where they may experience long wait times and cumbersome documentation requirements.

Online loans, on the other hand, offer a quick and accessible alternative, with only a valid ID and proof of income required to apply. By creating an account on an online portal and submitting documentation to demonstrate creditworthiness, applicants can receive a decision in just minutes. Thanks to the high rate of Internet penetration in the Philippines, online loans have emerged as a popular option for those with pressing financial needs. They offer the convenience and speed that traditional banks cannot match, eliminating the need for long-distance travel and avoiding frustrating queues.

Are Online Loans Legit?

Gaining financial freedom is not an easy feat, and it requires meticulous planning and self-discipline. However, unexpected costs can hinder your progress, and you might require external financial assistance from lenders, banks, friends, or family. While traditional bank loans offer competitive interest rates and flexible terms, they can be time-consuming and challenging to obtain. That's why many people seek out alternative options such as online loans or lender loans. Online loans provide an easy and accessible way to obtain the required funds quickly, without the hassle of leaving home or searching for the best deals.

What are Online Loans?

Achieving financial independence requires careful planning and discipline, but unexpected expenses can derail even the best financial plans. Loans from friends, family, banks, or lenders may be necessary in such situations. Although banks offer low interest rates and flexible loan terms, getting a bank loan can be a daunting process with many obstacles. This is why people often turn to alternative options such as lender loans or online loans. Online loans provide a convenient solution for those in need of quick cash without the hassle of leaving home or shopping around for the best deal.

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

  1. Discovering the best loan options from various lenders is made simple, comfortable, and secure with online lending from the comfort of your home or office.
  2. Online lenders offer unparalleled convenience as they operate 24/7, making it easy to obtain a loan at any time that suits you.
  3. Online loans have a hassle-free documentation process, requiring minimal documentation and no collateral or guarantor.
  4. An automated system handles the loan evaluation, decision-making, and fund transfer in a fair and efficient way, without any human intervention.
  5. Your financial information is kept private, and you do not need to share details with a banking professional, ensuring confidentiality and privacy.
  6. The loan application and disbursement process can be completed in just hours, making online loans a popular option for "Same Day Loans."
  7. The approval rate for online loans is an impressive 90%, higher than some traditional banks, and without any cross-selling tactics.
  8. Online loans are versatile and can be used for any purpose, from unexpected expenses to special occasions or personal projects.
  9. Keeping track of loan payments is simple with online loan management tools that allow you to monitor your balance, payment schedule, and repayment progress with ease.

The popularity of online loans in the Philippines has skyrocketed thanks to their convenient and accessible nature. With few documentation requirements and a high loan approval rate, even those with a less-than-ideal credit history can benefit from these loans, making them an attractive option for Filipinos who need financial help. Plus, the quick and hassle-free fund disbursement only adds to their appeal.

How to Take an Instant Loan Correctly and Profitably?

The ease and speed of securing funds through online loans can be tempting, causing some individuals to rely on them for all their financial needs without proper consideration. However, this hasty approach can lead to financial chaos and eventually spiral into unmanageable debt.

Below are the crucial points in securing the right loan:

  1. It's important to be honest when applying for loans. Falsifying information can lead to a lender performing a hard credit check, which can negatively impact your credit score and future loan opportunities.
  2. Avoid applying for loans from multiple lenders at once. Each credit check can lower your score, so it's best to limit them.
  3. Take the time to compare different lenders to find the best loan option for you.
  4. Have a solid repayment plan in place to ensure you can repay the loan in full and on time. Late or missed payments can damage your credit score and future loan opportunities.
  5. It is crucial to meticulously examine and comprehend all loan documentation and terms before reaching a final decision.


Loans are a powerful financial tool that can help you achieve your goals, but they must be used wisely. If not, loans can become a trap that drags you into debt. To make the most of your loans, you need to have a clear understanding of your financial situation and a well-thought-out plan. By taking the time to evaluate your needs and make smart decisions, loans can provide the boost you need to reach 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 it comes to taking out a loan, the Annual Percentage Rate (APR) is a crucial factor to consider. The APR is the interest rate that you will be charged over the course of the loan, including the loan amount, fees, and repayment schedule. Different lenders and types of loans will have varying APRs, with cash advances typically having the highest rates, up to 1386%, while personal loans can range from 4.99% to 450%. It's important to carefully review and understand the APR and other loan terms before signing any loan agreement, as lenders are required by law to disclose this information. However, it's also important to note that APR rates can fluctuate over time and are subject to change.

Material Disclosure: We are not a lender, intermediary, or representative of any lending organization. Our website serves as an advertising referral platform, connecting potential borrowers with qualified participating lenders who offer 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. It's important to keep in mind that not all lenders are able to provide these loan amounts, and there is no guarantee of acceptance from any participating lender. Our service does not condone or facilitate illegal loan products. We do not endorse or charge for any service or product, and any compensation we receive is solely for advertising services provided by participating lenders. Our service and offer are null and void in prohibited areas. We have no control over the actions of any lender and are not responsible for them. We do not have access to the full details of your loan, including the APR. For more information about your loan, including 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 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 vary among lenders. Some faxing may be required. Please note that these disclosures are provided for informational purposes only and should not be construed as legal advice.

Credit Implications: Our website does not make lending decisions. Instead, we connect you to independent participating lenders who may assess your creditworthiness and history by conducting checks with credit reporting agencies or obtaining consumer reports through alternative providers. By submitting your information, you consent to these participating lenders verifying your details and credit history. The loans offered by participating lenders in our network are meant to provide short-term cash relief and are not intended to be a long-term debt solution. It is crucial to only borrow what you can pay back on your next payday. We advise seeking expert financial advice to help determine your needs, the risks involved, and alternative options to short-term loans. Late loan payments could result in added fees or collection actions, or both. Every lender operates under their own set of terms and conditions, so be sure to review them carefully for more information. Failing to repay a loan could lead to collection activities, and every lender has a unique renewal policy, so be sure to review your lender's policy before proceeding.