Secure your financial future with fast & reliable cash loan

Compare and choose one of 6 lenders.

Digido.ph
0% for 7 days
0% up to 10 000
max 25 000
21 - 70
1 day
Soscredit.ph
Fast and Easy
0% up to 10 000
max 25 000
20 - 70
15 min.
Cashexpress.ph
0% for first loan
0% up to 10 000
max 20 000
21 - 70
15 min.
Credify.ph
Advantageous conditions
0% up to 10 000
max 25 000
20 - 70
1 day
Finbro.ph
0% for your 1st Loan
0% up to 15 000
max 50 000
20 - 70
10 min.
Moneycat.ph
The first loan for free
0% up to 20 000
max 20 000
22 - 75
15 min.

Information about lenders

Digido.ph - DIGIDO FINANCE CORP.

Address: Units P107003R, P107007R, P107008R, Level 7 Cyberpark Tower1, 60 Gen. Aguinaldo Ave., Cubao, Quezon City, Philippines 1109

Phone number: (02) 8876 84 84

E-mail: support@digido.ph

Max APR: 143%

Term: 62 days - 6 months

Age: 21 up to 70

Cost example: Loan of 20000 ₱ for 6 months, monthly payment 5716 ₱, total amount 34296 ₱, annual percentage rate APR 143%.

Soscredit.ph - SOSCREDIT

Address: Philippines

Phone number: -

E-mail: info@soscredit.ph

Max APR: 180%

Term: 62 days - 1 year

Age: 20 up to 70

Cost example: Loan of 2400 ₱ for 3 months, monthly payment 870 ₱, total amount 2610 ₱, annual percentage rate APR 145%.

Cashexpress.ph - CASH-EXPRESS PHILIPPINES FINANCING INC.

Address: Level 10-1 One Global Place 25th Street Cor. 5th Avenue, Fort Bonifacio, Taguig City

Phone number: (632) 7902 73 90

E-mail: info@cash-express.ph

Max APR: 145%

Term: 62 days - 1 year

Age: 21 up to 70

Cost example: Loan of 2400 ₱ for 3 months, monthly payment 870 ₱, total amount 2610 ₱, annual percentage rate APR 145%.

Credify.ph - "CREDIFY"

Address: Philippines

Phone number: -

E-mail: info@credify.ph

Max APR: 795.7%

Term: 3 months - 1 year

Age: 20 up to 70

Loan of 5000 ₱ for 3 months, monthly payment 4936.67 ₱, total amount 14810 ₱, annual interest rate APR 795%.

Finbro.ph - SOFI LENDING INC.

Address: Unit 1405, East Tower, Philippine Stock Exchange Centre, Exchange Road, Ortigas Center, Pasig City

Phone number: 0 9624 09 24 54

E-mail: info@finbro.ph

Max APR: 180%

Term: 62 days - 1 year

Age: 20 up to 70

Cost example: Loan of 1000 ₱ for 12 months, monthly payment 95.83 ₱, total amount 1150 ₱, annual percentage rate APR 180%.

Moneycat.ph - MONEYCAT FINANCING INC.

Address: Unit 1708 Tektite East Tower, Exchange Road, Ortigas Center, Pasig City 1605

Phone number: 0968 874 7401, 0917 100 1747

E-mail: support@moneycat.ph

Max APR: 145%

Term: 3 months - 6 months

Age: 22 up to 75

Cost example: Loan of 2400 ₱ for 3 months, monthly payment 870 ₱, total amount 2610 ₱, annual percentage rate APR 145%.

Cash loan in the Philippines 

When you need financial assistance, a cash loan is one of the most common ways to get the funds you need. On our website, CreditSMS.com, you can compare offers from lenders in the Philippines who provide cash loans with optimal conditions for you. 

What are the conditions for getting a cash loan? 

Cash loans in the Philippines can be provided under different conditions, depending on the credit institution. 

Here are some of the main conditions you may encounter when getting a cash loan: 

  • Interest rates may vary depending on the lender, your credit history, and the requested loan amount. The maximum annual interest rate ranges from 145% to 180%. Many lenders also offer extremely favorable short-term offers for new customers, such as the first loan with a 0% interest rate. This is an excellent opportunity to meet your financial needs without additional costs. You won't have to pay interest for using the loan funds during a certain period, making this service particularly attractive. 
  • Lenders set a minimum and maximum cash loan amount. The minimum amount is usually ₱1000, and the maximum amount can reach ₱25000. Choose the amount that matches your financial needs. 
  • You can choose the repayment term for the cash loan, usually from 62 days to 1 year. Shorter repayment terms are usually accompanied by higher monthly payments, but the overall repayment amount may be lower. Long-term loans have lower monthly payments, but the total repayment amount may be higher due to accrued interest. 
  • In addition to interest rates, additional fees and expenses may apply, such as loan processing fees, insurance, or early repayment fees. Check with the lender for any additional costs that may arise during the loan repayment process. 
  • Lenders establish certain requirements for borrowers who want to get a cash loan, such as age restrictions (from 20 to 70 years old), a steady income, and Philippine citizenship. Check the requirements of different credit institutions to ensure that you meet them. 

What does the cost example look like? 

If you borrow ₱1000 for a duration of 12 months, you will have a manageable monthly payment of ₱95.83. By the end of the loan term, the total amount you will have repaid is ₱1150, which includes the principal amount and the interest charges. An annual percentage rate (APR) is 180%. While this loan provides you with the necessary funds, it's crucial to consider the overall cost. The total amount of ₱1150 indicates that you will be paying an additional ₱150 on top of the borrowed amount. 

How to choose the best cash loan? 

Every potential borrower should take the time to find the most advantageous loan offer to avoid undesirable consequences like unpaid bills later on. 

Review the offers and compare interest rates, fees, repayment terms, and other conditions. Pay attention to hidden fees or additional expenses. 

Determine the loan amount and monthly payments that correspond to your financial situation. Take into account your current expenses and obligations to avoid financial difficulties in the future. 

Before signing the contract, carefully read all the terms and conditions. Make sure you fully understand all the terms and obligations associated with the loan. 

If you have any questions or doubts, seek advice from a financial consultant or loan specialist. They can help you make an informed decision and provide recommendations based on your situation. 

Remember, a loan is a long-term commitment, so it's important to be confident in your decision before signing the contract. 

How to get a cash loan? 

Follow this step-by-step instruction to get the cash loan you need in the shortest possible time: 

  1. Explore the offers from credit institutions offering cash loans in the Philippines. Compare their interest rates, fees, repayment conditions, loan processing times, and borrower requirements. This will help you obtain the necessary financial support on the most advantageous terms. 
  2. After choosing a credit institution, fill out the application for a cash loan. Provide accurate information and be careful when filling out the form. Don't forget to indicate the method of receiving the money and choose the option for receiving cash. 
  3. After submitting your application, it will be processed by the credit institution. They usually check your credit history, income, financial stability, and other factors to assess your repayment ability. 
  4. If your cash loan application is approved, you will be provided with information about the loan amount, interest rate, repayment term, and contract conditions. If you agree to the terms, sign the contract and receive the necessary funds. 

Usually, you need to provide an identification document to obtain a cash loan. Make sure you have all the necessary documents! 

Why should you pay attention to timely loan repayment? 

Failure to make timely loan payments can result in penalties imposed by the creditor. These penalties can include fines, penalty interest, or additional fees. Accumulating such penalties can significantly increase the overall amount of debt and make the loan repayment process more difficult. 

Here are a few reasons why it's important to keep up with timely loan payments: 

  • Timely payments on cash loans help maintain and improve your credit history. 
  • Repaying a cash loan in time contributes to maintaining your financial stability. 
  • Timely payments build trust and strengthen your relationship with lenders. This can lead to better loan terms in the future. 
  • Timely repayment allows you to avoid unnecessary stress and worry, and you won't have to deal with collection agencies. 

Timely loan repayment is not only a financial responsibility but also an important aspect of your financial independence.