Top 20 Online Loans with Fast Approval in the Philippines

In recent years, online lending has become a convenient and accessible financial solution for many Filipinos. With just a smartphone and an internet connection, you can apply for a loan and receive funds in as fast as a few minutes. Whether you need emergency cash, capital for a small business, or funds for personal needs, these online lenders can help you get approved quickly.

Below is our curated list of the Top 20 Online Loans with Fast Approval in the Philippines, including their main features, loan amounts, and requirements.

1. Tala Philippines

• Loan Amount: ₱1,000 – ₱15,000

• Approval Time: Within 24 hours

• Key Features: No collateral, flexible repayment terms via GCash or 7-Eleven.

2. Cashalo

• Loan Amount: ₱1,000 – ₱10,000

• Approval Time: Minutes after application

• Key Features: No credit history required, pay via partner merchants.

3. Digido

• Loan Amount: ₱1,000 – ₱25,000

• Approval Time: Same day

• Key Features: Fully automated approval, low interest for first loan.

4. MoneyCat

• Loan Amount: ₱500 – ₱20,000

• Approval Time: 5–15 minutes

• Key Features: Simple application, 0% interest for first-time borrowers.

5. Pera247

• Loan Amount: ₱1,000 – ₱15,000

• Approval Time: Same day

• Key Features: Available 24/7, accepts minimal documents.

6. UnaCash

• Loan Amount: ₱2,000 – ₱50,000

• Approval Time: Within 24 hours

• Key Features: Flexible repayment terms, easy in-app loan management.

7. Kviku

• Loan Amount: ₱500 – ₱25,000

• Approval Time: 5 minutes

• Key Features: No need for face-to-face interview, purely online process.

8. Home Credit Cash Loan

• Loan Amount: ₱3,000 – ₱150,000

• Approval Time: Minutes after verification

• Key Features: High loan limits for qualified borrowers.

9. CashXpress

• Loan Amount: ₱1,000 – ₱20,000

• Approval Time: 30 minutes

• Key Features: No collateral, simple mobile application.

10. JuanHand

• Loan Amount: ₱2,000 – ₱15,000

• Approval Time: Less than 10 minutes

• Key Features: Fast cash-out to GCash, easy mobile app.

11. Pesoloan

• Loan Amount: ₱1,000 – ₱30,000

• Approval Time: Same day

• Key Features: Flexible repayment plans.

12. Atome Credit

• Loan Amount: ₱3,000 – ₱50,000

• Approval Time: Minutes

• Key Features: Also offers Buy Now, Pay Later option.

13. LoanChamp

• Loan Amount: ₱2,000 – ₱20,000

• Approval Time: Same day

• Key Features: Available for both employed and self-employed.

14. FundKo

• Loan Amount: ₱5,000 – ₱250,000

• Approval Time: Within 24–48 hours

• Key Features: Peer-to-peer lending platform.

15. PondoPeso

• Loan Amount: ₱2,000 – ₱20,000

• Approval Time: 10 minutes

• Key Features: Quick GCash disbursement.

16. Aeon Credit

• Loan Amount: ₱5,000 – ₱100,000

• Approval Time: 1–2 days

• Key Features: Known for appliance and gadget financing, now offering cash loans.

17. Fuse Lending

• Loan Amount: ₱1,000 – ₱25,000

• Approval Time: Same day

• Key Features: Partnered with GCash for easy disbursement.

18. BillEase Cash Loan

• Loan Amount: ₱2,000 – ₱40,000

• Approval Time: Minutes

• Key Features: Originally for shopping credit, now offers cash loans.

19. EasyCash

• Loan Amount: ₱3,000 – ₱50,000

• Approval Time: Within the day

• Key Features: Flexible loan terms, minimal requirements.

20. CashMart

• Loan Amount: ₱3,000 – ₱50,000

• Approval Time: Same day

• Key Features: Trusted lender with over 50 years in the industry.

Tips for Getting Fast Loan Approval

1. Prepare your documents – Valid ID, proof of income, and personal information.

2. Maintain a good repayment record – Some lenders increase loan limits for repeat borrowers.

3. Apply during business hours – This ensures faster verification.

4. Use official apps and websites – Avoid scams by verifying lender licenses from the SEC Philippines.

💡 Disclaimer: This list is for informational purposes only. We are not affiliated with any of these companies, and this is not financial advice. Always read the loan terms carefully before applying.