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COMPARE · 22 COMPANIES

Online loans

Compare online lenders that accept applications through a website or app. Check loan amounts, interest, fees and requirements before sharing your documents.

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22 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

Atome

Atome Cash

Finance company
Loan amountUp to ₱55,000
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

Installment cash borrowing for eligible Atome accounts. Origination and facilitation fees need checking alongside the quoted interest.

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
Billease

Cash / E-wallet Loan

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: App assessment

Cash and e-wallet borrowing uses the Billease loan limit. This is distinct from the separately offered revolving Credit Line.

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

Personal Loan

Bank
Loan amount₱30,000–₱1,000,000
Term12–60 months
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: App assessment

An app-based personal loan from CIMB. Approved rates and limits depend on the credit assessment.

Requirements & eligibility

Eligibility

  • Age 21–65 at maturity, Philippine citizen and non-US person, local address and active Philippine mobile number. Gross monthly income ₱15,000.
  • Employee: six months tenure or one continuous year, with listed corporate/payroll exceptions. Business: at least one year operating.

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
Cash Mart

Cash Loan

Lending company
Loan amount₱3,000–₱150,000
TermConfirm available terms
Published rate0.06–1% per dayPublished range, approved term and disclosure control
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Income assessment

Applications are considered from employed, self-employed and qualifying OFW or seafarer allottees. Repeat-loan increases remain subject to approval.

Requirements & eligibility

Eligibility

  • Filipino resident, age 21–50, employed, self-employed or qualifying OFW/seafarer allottee.

Documents to prepare

  • Employed applicants: government ID, supporting billing, company and payslip records can aid verification. Allottees need additional seafarer, remittance and relationship records.

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

Do not compare a daily percentage directly with a monthly bank rate. Confirm all fees, net proceeds and total repayment in writing.

Visit company website Quote required
Cash-Express

Online Cash Loan

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: Repeat clients: confirm access

The reviewed application page labels access for repeat clients. Confirm current access before expecting a new-borrower offer.

Requirements & eligibility

Eligibility

  • Filipino resident aged 21–70 with a stable income.
  • Active personal mobile number and bank account or e-wallet.
  • The application widget currently labels access for repeat clients. Confirm whether new applications are accepted.

Documents to prepare

  • One accepted government ID and a selfie holding that ID.

Source discrepancy: Public pages advertise different amounts and timing. The application widget says repeat clients only, despite general new-customer promotional text. Do not assume a first loan or a five-minute payout.

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
Cashalo

Cash Loan

Finance company
Loan amount₱1,000–₱13,000
TermConfirm available terms
Published rate12% monthly effective ratePublished for unsecured loans ≤₱10,000 and ≤4 months from April 2026, other offers differ
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: App assessment

The public cash-loan page states ₱1,000–13,000, with the upper end for good-paying customers. Release can go to a nominated bank, GCash or Maya account. Confirm the current offer in the app.

The described rate combines daily interest and service charges, missed-payment charges are extra. Request the actual disclosure rather than applying the rate to every amount or term.

Visit company website Quote required
GCash

GLoan

App / partner lender
Loan amount₱500–₱150,000
TermConfirm available terms
Published rate1.59–6.99%Monthly · offer and term dependent
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Selected app users

For selected eligible users. The published processing fee is 3–5% of the loan, deducted from proceeds. Interest and the complete repayment schedule depend on your offer, account history does not guarantee access.

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

GLoan Sakto

App / partner lender
Loan amount₱100–₱500
TermConfirm available terms
Published rate0% + 8% feeProcessing fee applies on repayment
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Selected app users

A separate small-value offer for eligible users. The published interest is 0%, but an 8% processing fee is collected on repayment. Zero interest does not mean zero borrowing cost.

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
GoTyme Bank

MoreTyme Get Cash

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

MoreTyme Get Cash converts part of an eligible credit limit into cash in the GoTyme account. The app supplies available amounts and installment options before confirmation.

Requirements & eligibility

Eligibility

  • Available only to eligible MoreTyme users with an available credit limit and a Get Cash offer in the app.

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
Home Credit

Cash Loan

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 existing customers

Cash offers depend on eligibility and prior Home Credit usage. Having a product loan does not guarantee an available cash offer.

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
HoneyLoan

Cash Loan

Lending platform
Loan amount₱1,000–₱30,000
TermConfirm available terms
Published rate0.4% daily publishedPromotions and approved terms vary
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Online assessment

HoneyLoan provides web-based borrowing with separate new and repeat-customer limits. Repayment can be in installments or a full settlement, according to the approved offer.

Requirements & eligibility

Eligibility

  • Filipino citizen aged 21–70.
  • Active mobile number and website registration.

Documents to prepare

  • Valid government-issued ID.

Amount conditions: New-client offers advertise up to ₱10,000, repeat offers up to ₱30,000.

Source discrepancy: The key-information panel gives 61–364 days, while another section advertises repeat loans from seven days. Term filtering remains unavailable until the actual offer is known.

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

Compare the total scheduled repayment with the cash received. A promotional starting rate does not establish the cost of a repeat loan.

Visit company website Quote required
JuanHand

Cash Loan

Finance company
Loan amountConfirm your limit
Term1–12 months on calculator
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: App assessment

The borrowing-page calculator shows limits up to ₱100,000, while the FAQ and August 2026 article describe up to ₱50,000. Confirm your actual limit in the app. An interest-free first installment does not make the whole loan free.

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
Kviku

Installment Loan

Lending company
Loan amount₱1,000–₱25,000
TermConfirm available terms
Published rate0.16% daily in FAQConfirm the rate in the approved contract
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Online assessment

Kviku offers online installment borrowing from ₱1,000 to ₱25,000. Bank release and cash-pickup channels have different timing.

Requirements & eligibility

Eligibility

  • Filipino citizen aged 20–55.
  • Active mobile number and registered account.

Documents to prepare

  • One valid government ID. Supporting income or employment documents may help assessment.

Source discrepancy: The homepage calculator reaches 135 days, while the FAQ describes 60 days for first borrowing and up to 180 for repeats. Homepage speed claims also differ from the FAQ’s bank-transfer window. No single term or instant-payout promise is assumed.

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
LF Lending

Cash Loan

Lending 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: Online assessment

LF Lending Services Corporation accepts digital applications. Its FAQ describes release as fast as five minutes after approval, depending on the receiving channel and system conditions.

Requirements & eligibility

Eligibility

  • Filipino applicant aged at least 18, subject to identity and credit assessment.

Documents to prepare

  • Government ID, contact details and receiving-account information. Income information may be requested.

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
Maya Bank

Personal Loan

Bank
Loan amountConfirm your limit
TermCheck the term in your app offer
Published rateOffer-dependentStarting rates are term-specific
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Selected app users

The public page has differing amount and term descriptions. Your in-app offer is controlling, we do not turn the advertised minimum rate into your payment.

Requirements & eligibility

Eligibility

  • Filipino resident, age 21–65, with an upgraded Maya account. Access is limited to eligible customers with an offer in the app.

Documents to prepare

  • Complete the app’s identity verification and any additional information requested for the individual offer.

Amount conditions: The website calculator displays ₱15,000–₱250,000 and 6, 9, 12, 18 or 24 months. Your available amount and term must be checked in the app.

Source discrepancy: The same official page’s FAQ states ₱10,000–₱400,000, unlike its calculator. We do not use either range as a confirmed universal limit. Terms marked “coming soon” are not treated as available.

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
Mocasa

Quick Loan

Lending company
Loan amountConfirm your limit
TermConfirm available terms
Published rateFrom 0.2% dailyIndividual offer and actual days borrowed
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: App assessment

Mocasa offers installment cash borrowing through Philippine Cashtrout Lending Corporation. This is separate from its purchase credit line.

Requirements & eligibility

Eligibility

  • Filipino citizen aged at least 21 with stable income.

Amount conditions: The page describes repayment over up to three months. Check the schedule offered in the app.

Source discrepancy: The same product page advertises both ₱50,000 and ₱25,000 limits. The maximum is left unconfirmed.

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
Monee Credit / Shopee

SLoan

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

Cash borrowing offered through Shopee. SeaMoney Credit was renamed Monee Credit in September 2025, app eligibility and the individual offer still apply.

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
MoneyCat

Online Cash Loan

Finance company
Loan amount₱500–₱20,000
TermOffer-specific, source conflicts
Published rateOffer-specific pricingFirst-loan promotion and repeat-loan terms differ
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Online assessment

Published amount ₱500–20,000. The first-loan promotion is conditional, repeat borrowers must check the disclosure and any optional services before submitting.

Requirements & eligibility

Eligibility

  • Filipino resident in the Philippines, employed applicants and selected professionals. Confirm the applicable age rule before applying.

Source discrepancy: The same page shows age 22+ and 22–60, a 10/20/30-day selector and a separate 3–6-month description. No universal term or maximum age is inferred.

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

Check interest, processing and additional-service charges, repayment dates and penalties. A promotion must not be assumed to cover every offer.

Visit company website Quote required
Online Loans Pilipinas

Online Cash Loan

Finance company
Loan amount₱1,000–₱30,000
Term90–720 days in developer listing
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: App assessment

The developer’s product listing describes cash borrowing. Rates, fees and the exact repayment schedule must be checked in the in-app disclosure.

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
PesoRedee

Installment Loan

Finance company
Loan amountUp to ₱80,000
TermUp to 12 months, approved offer varies
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: Online assessment

An online installment loan with an advertised maximum of ₱80,000 and up to 12 months. Check the offer’s total cost and installment dates.

Requirements & eligibility

Eligibility

  • Age 22–70, located in the Philippines, employed or selected professional, valid bank or e-wallet account.

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
Tala

Cash Loan

Finance company
Loan amountUp to ₱25,000
TermUp to 61 days · chosen due date
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: App assessment

An app-based cash loan with a personal borrowing limit. Repeat-borrower limits and promotional claims do not guarantee a first loan.

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
Tonik Bank

Credit Builder Loan

Bank
Loan amountUp to ₱50,000
Term6–12 months
Published rateIndividual quoteRate and fees depend on your offer
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: App assessment

The current loan landing page names Credit Builder Loan, rather than the older Quick Loan title still seen in search results.

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
UNO Digital Bank

#UNOnow

Bank
Loan amount₱15,000–₱250,000
Term6–36 months
Published rateFrom 1.79% monthly add-onApproved rate varies
Monthly repaymentQuote neededProvider conditions applyView loan →
Published informationDetails & conditions

Who can apply: App assessment

UNO advertises unsecured installment finance. Final availability and approved terms depend on your loan offer.

Requirements & eligibility

Eligibility

  • Filipino national or resident aged at least 21 and no more than 65 at maturity, in a supported location.
  • Employees need six months of tenure. Self-employed applicants need two years of business operations.

Documents to prepare

  • Valid ID, selfie, active mobile number and email. Prepare the income evidence requested for your employment status.

Amount conditions: Processing charge is 3% of the loan or ₱500, whichever is higher, deducted from proceeds.

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

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

Check access first

Some apps accept applications, others show offers only to selected users. Check whether applications are open to new customers or require an invitation in the app.

02

Count pesos, not promises

Compare what arrives in your wallet against everything you must repay. Daily charges and deducted fees can change the cost considerably.

03

Match the due date to your income

A quick release can come with a short repayment window. Check the exact dates and late charges before accepting.

Your questions, answered.

Are online cash loans the same as payroll loans?

No. An app loan is not automatically linked to your employer. A payroll loan may require an employer agreement and salary deductions.

How do I compare daily fees with monthly interest?

Compare the total pesos due over the same borrowing period. Multiplying a daily fee by 30 does not produce an effective annual rate.

Will I receive the full amount shown in the app?

Not always. Some offers release the approved amount and collect charges later, while others deduct fees first. Compare the amount actually reaching your bank or wallet with the full amount you must repay.

Can two borrowers get different fees from the same app?

Yes. Your approved limit, repayment period, borrowing history and the offer available to your account can affect the cost. Use your own repayment schedule when comparing companies on Pesopal.

Does a first-loan discount make every later loan free?

No. Treat a promotion as a separate offer. Check its deadline, qualifying customers and the standard price of any later borrowing.

Can a payment channel add another fee?

Yes. A bank, wallet or payment outlet may charge for the transfer or repayment. Add those charges to your budget and check whether another supported channel costs less.

How do I check an online lender before applying?

Start with the company’s official website and check that its legal name matches the lender in the agreement. Use official regulator records to check the company and look for relevant advisories. Follow the company’s own app links and confirm any payment request with official support. An advertisement or an app-store listing alone does not establish that a loan is suitable for you.

What should I do if I cannot pay on the due date?

Contact the lender before the deadline. Ask for the written late-fee and repayment options, do not assume another app loan solves the shortfall.

Does Pesopal approve online cash loans or lend me money?

No. Pesopal compares online cash 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 online cash options on Pesopal?

Check your app’s net cash release, daily or monthly charges and exact due date 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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