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Credit lines & cash advances

Compare revolving credit lines and cash advances. Check whether you can withdraw cash or only pay merchants, then compare interest, service fees and repayment dates.

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5 companies to compare

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We check your choices against published information. Missing terms still need confirmation, appearing here does not mean approval. How this works

ACOM

Revolving Cash Loan

Finance company
Loan amount₱5,000–₱500,000
TermConfirm available terms
Published rate4.988% monthlyDiminishing balance, revolving facility
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Income assessment

ACOM describes a revolving cash facility. Its ten-month example is a suggested repayment illustration, not a fixed term for every drawdown.

Requirements & eligibility

Eligibility

  • Filipino citizen, age 21–65, at least three months employment. The page describes net monthly pay above ₱10,000.
  • Personal email, active phone and workplace contact details required.

Documents to prepare

  • Government ID, income and employment proof, TIN/SSS evidence if not shown in the other records, selfie holding the primary ID.

Amount conditions: Published revolving credit-limit range, the drawable amount depends on the approved account.

Income basis: Net-pay requirement, not the gross income entered in Pesopal’s filter. No automatic income match is applied.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

Published example also lists a ₱1,000 processing fee and ₱500 lending fee. Confirm applicable fees, required monthly payment and full disclosure for your account.

Visit company website Quote required
Billease

Credit Line

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Selected app users

A separate revolving facility for merchant payments, rolling out to more customers. Interest-free treatment requires full payment by the due date.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
CIMB Bank

REVI Credit

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: App assessment

A revolving credit facility. Interest depends on usage and repayment, so a standard fixed-installment estimate would be misleading.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
GCash / CIMB Bank

GCredit

Bank
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Selected app users

Credit accessed through GCash for eligible payments. Requires a fully verified account and further eligibility checks.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Maya Bank

Easy Credit

Bank
Loan amountConfirm your limit
TermUp to 30 days
Published rateService fee from 3.99%Not free borrowing, DST and approved account terms apply
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Selected app users

Short-term credit with payment due within the stated billing cycle. Compare the service fee, taxes and total due, not only an interest headline.

Requirements & eligibility

Eligibility

  • An eligible in-app credit offer is required, advertised availability does not mean every Maya user qualifies.

Documents to prepare

  • The product overview says no additional documents, identity and account verification still apply.

Source discrepancy: The headline and comparison table show up to ₱50,000, while another section says ₱30,000. Your in-app limit controls, the maximum is left unfiltered.

Requirements checked 2026-09-30. These are published criteria, not an approval decision. Additional documents may be requested.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required
Salmon

Credit Line

Finance company
Loan amountConfirm your limit
TermConfirm available terms
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Selected customers

Credit-line access has separate eligibility, including qualifying product-loan history. Review usage charges and the minimum-payment rules.

A complete, comparable repayment schedule has not been verified. Ask for the effective interest rate, all fees, net proceeds and total repayment. Late-payment and early-settlement charges may apply.

Visit company website Quote required

What could the repayments look like?

Try different amounts, repayment periods and interest rates in the loan payment calculator. It is an independent example, not this company’s quote. A longer term can lower each payment while increasing total interest.

Already know your monthly budget? Estimate an amount you could plan around. For an actual offer, include its fees and payment schedule.

BEFORE YOU CHOOSE

What deserves a closer look

01

Read the billing cycle

The date you borrow can affect when payment becomes due. A credit limit is not an installment term.

02

Compare full repayment with minimum due

Paying only the minimum may leave interest-bearing debt for longer.

03

Check how cash access works

Some facilities fund only merchant payments. Transfers, cash withdrawals and installments can have different charges.

Your questions, answered.

How does a revolving credit line differ from an installment loan?

A credit line allows borrowing under a limit, repayments and further use affect the balance. An installment loan usually has a scheduled term.

Is a credit line available to every bank or app customer?

No. Some credit lines are available only to selected customers. REVI Credit is one example in our comparison. Check whether your account has an actual offer rather than assuming that opening an account creates a borrowing limit.

Where can I check my own credit-line interest rate?

Check the credit agreement, account details or current statement for your own facility. An advertised rate or a screenshot from another borrower may not apply to you. Use your personal rate and payment dates in a cost comparison.

Why do transaction dates matter for revolving interest?

Interest can depend on the balance outstanding on each day. Drawing funds earlier or repaying later may increase the cost even if the credit limit stays the same. Check when interest starts and how repayments are allocated.

Does paying the minimum clear a credit-line balance?

Usually it leaves an unpaid balance. Read the statement and interest rules, the minimum due is not the same as full repayment.

Can every credit limit be transferred as cash?

No. Check which transactions your facility permits and whether transfers have separate limits or charges. Merchant credit may have different rules.

Does a repaid credit line always remain available?

Do not assume continued access. The lender’s current account status and facility terms determine whether you can borrow again.

How can I compare a credit line with a fixed-term loan?

Model the same cash need and planned repayment dates. A reusable limit alone does not tell you the borrowing cost.

Does Pesopal approve credit-line loans or lend me money?

No. Pesopal compares credit-line borrowing options and published information. The lender or programme administrator assesses your application and issues the offer. Changing our filters does not submit an application or guarantee eligibility.

What should I verify after comparing credit-line options on Pesopal?

Check your available limit, rate, billing date, minimum payment and transaction charges on the lender’s official website or app, then confirm your written offer. Rates, fees, limits and requirements can change after our review, Pesopal’s figures are a comparison starting point, not a binding quote.

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