Start with the source
We use provider product pages, help centres, government programme publications and official developer listings. A page check establishes published information, not a full regulatory audit or a guarantee that the provider will lend today.
Separate facts from illustrations
Amounts, terms and eligibility remain unknown when not established. A model is shown only where its basis is documented. The BDO and UnionBank examples use published repayment factors, SSS and the Security Bank home illustration use monthly reducing-balance amortization.
No invented prices
Advertised starting and maximum rates are not automatically treated as universal offers. BPI maximum-rate examples and SB Finance motorcycle starting rates are not used as universal repayment schedules. Quotes and credit lines with incomplete schedules remain unpriced.
How ordering works
We first set aside known conflicts with your inputs. Potential options are ordered by how many amount, term and income checks the published data supports, then by provider name. Missing criteria stay unknown. You can change the order, numeric sorting puts available illustrations before unknown prices. This is not an approval prediction or a cheapest-provider recommendation.
Limited eligibility checks
Filters test only published criteria in our dataset. Passing an income threshold does not mean approval. Unknown criteria remain visible, and app offers, employer arrangements, contribution records and collateral can be decisive.
Costs and changing rates
Illustrated scheduled repayments exclude upfront and unmodeled fees. Known deductions are identified separately. A mortgage starting rate is not extended into a guaranteed lifetime total. Your signed disclosure controls the actual repayment.
How we count companies
Company totals count each named provider or app brand once, with government programmes grouped by institution. Named CIMB partnerships are grouped under CIMB, Shopee borrowing options are grouped under Shopee. These are catalogue groupings, not a count of licensed legal entities. A company may have several distinct loan offers, so result rows can outnumber companies. Partner-funded offers identify any lender ambiguity in their details.