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Experience a quick win in just 10 minutes!

Enjoy 7 days of

interest-free financing

on your first loan with us!

Find out if you qualify with a short test

Are you over 21?

YesNo

Are you employed?

YesNo




Who is eligible to apply?

 * 21-70 years old
 * Employed individuals and selected professionals
 * Filipino Residents

Benefits



 * Enjoy the convenience of seamless and hassle-free transactions from the
   comfort of your own home.
 * No need to leave the house or visit a physical location as all operations are
   conducted online.
 * Our quick and efficient system enables you to receive up to ₱10,000 in just
   few minutes.
 * Directly credited to the bank account you provide.
 * No guarantors, complicated documentation, or hefty deposits required.
 * Our fully automated service is the perfect solution for your financial needs.

Terms



Simplify your borrowing with An Instant Online Loan, an online installment form
of credit with flexible repayment options.

 * Repayment period that suits your needs - 3, 4, 5 or 6 months.
   
 * Borrow any amount from 10,500 to 25,000 hassle-free.
   
 * With a maximum APR of 143%, our loans have a fixed interest rate of 11.9% per
   month.
   

Representative example:



If you decide to borrow PHP 20,000 and opt for a 6-month repayment period,
you'll only need to pay PHP 5,000 every month. The total cost of your loan will
amount to PHP 2,383 per month, with an annual percentage rate (APR) of 143%.

Online Loans in the Philippines



Although it's been said for ages that reducing expenses and staying away from
loans is the way to achieve financial stability, many individuals still strive
to attain it, regardless of their background or age.

Nonetheless, loans can significantly improve one's financial outlook when
utilized wisely. For instance, borrowing money to invest in professional growth
or acquiring new expertise can result in considerable long-term gains.

On the other hand, loans used to satisfy consumerist desires or leisure
activities will undoubtedly threaten financial stability.
In the end, it is not the presence of loans, but the way they are used that
counts. Employing loans intelligently can lead to financial freedom, while
reckless loan usage can result in financial collapse.

How do Instant Loans Work in the Philippines?



Access to formal banking services can be limited in the rural areas of the
Philippines, which leaves a significant proportion of the population without
traditional banking options.

This situation creates a conundrum as many residents are compelled to travel to
densely populated cities, where they have to encounter congested banks, lengthy
documentation processes, and slow service caused by high customer volume.

However, getting an online loan provides a fast and convenient option that
requires a valid ID and proof of income. The process is easy, simply create an
account on a reputable online portal, submit the necessary documentation to
demonstrate creditworthiness, and receive a decision within minutes.

With a high penetration rate of the internet in the Philippines, online loans
have become a go-to option for urgent financial needs. They offer speed and
convenience without the need to travel to faraway banks or wait in long lines.

Are Online Loans Legit?



Not all digital lending firms are legitimate, and being cautious is crucial. For
a digital lending company to operate legally in the Philippines, it must
register with the SEC and have a physical office. Nevertheless, some
unscrupulous lenders function solely online and leverage unethical techniques to
prey on customers. When seeking immediate online loans, distinguishing between
authorized and unauthorized lenders can be challenging. To verify that you are
working with a trustworthy lender, you can check their information on the SEC
website. Our partner, Digido, is a fully authorized company with SEC
Registration No.: 202003056 and Certificate of Authority No.: 1272. Conduct
proper research to guarantee that you are working with a reputable online
lender.

What are Online Loans?

Gaining financial independence necessitates meticulous preparation and
self-control, yet unforeseeable expenditures can throw even the most impeccable
financial strategies off course. Under such circumstances, borrowing from
friends, family, banks, or other lenders may become inevitable. While banks
typically offer lower interest rates and more adjustable loan terms, acquiring a
bank loan can be an intimidating process with many impediments. For this reason,
individuals frequently resort to other alternatives, such as lender loans or
online loans, which present an expedient solution for those who require swift
cash without the inconvenience of stepping out of their houses or looking for
the most attractive deal.

Online loans give a slew of irresistible features for a prospective borrower:



 1. Online lending allows for easy comparison of loan options from various
    lenders from the comfort of your own home or office.
    
 2. Online lenders operate 24/7, offering unparalleled convenience to obtain a
    loan at any time.
    
 3. Online loan documentation is straightforward with minimal requirements and
    no collateral or guarantor needed.
 4. Automated systems handle loan evaluation, decision-making, and fund transfer
    in a fair and efficient manner.
 5. Your financial information remains private and does not need to be shared
    with a banking professional.
 6. The online loan application and disbursement process is quick, completing in
    just hours and known as "Same Day Loans."
 7. Online loan approval rates are impressive at 90%, and cross-selling is not
    engaged in.
 8. Online loans are flexible and can be applied to any situation.
 9. Online loan management tools make keeping track of payments easy.

Online lending has become increasingly popular in the Philippines due to its
convenience and accessibility. Filipinos who require financial assistance can
benefit from these loans, which have a high approval rate and minimal
documentation requirements, even for those with less-than-ideal credit
histories. The quick disbursement of funds is an added advantage, making these
loans a preferred option for those who need immediate access to cash.



How to Take an Instant Loan Correctly and Profitably?

The ease and speed of obtaining funds through online loans may be tempting for
many, but relying on these loans for every financial need without careful
thought can lead to financial chaos and ultimately result in a cycle of debt.
It's important to use these loans judiciously and have a solid understanding of
your financial situation and repayment ability before taking on any debt.

Below are the crucial points in securing the right loan:


 1. Always be truthful when providing financial information to lenders to avoid
    a hard credit check and negative impact on your credit score.
 2. Limit credit checks by avoiding applying for loans from multiple lenders at
    once.
 3. Compare loan options from different lenders to find the best one for you.
 4. Create a repayment plan to avoid missed or late payments and potential harm
    to your credit score.
 5. Before making any decisions, carefully read and comprehend all loan
    documents and conditions.

Conclusion



Loans are like a tool that can either build or break your financial future.
While they can provide a much-needed boost to help you achieve your goals, they
can also lead to a cycle of debt if not handled responsibly. To make loans work
for you, it's essential to have a clear understanding of your financial
situation and a well-thought-out plan. By assessing your needs and making
informed decisions, loans can serve as a valuable instrument to help you on your
path to financial stability and success.

Our Partners:

Kviku Lending Co. INC.

18A Trafalgar Plaza, 105 H.V. Dela Costa Street, Salcedo Village Makati City,
the Philippines SEC Registration No. CS201918702.
Certificate of Authority No. 3169
NPC Registration No. PIC-001-791-2021


DIGIDO FINANCE CORP.

SEC Registration No. 202003056. Certificate of Authority No. 1272

Representative example:
You apply for PHP 20,000 and choose repayment over 6 months, your monthly
payment will be only PHP 5,000 per month, your total cost of the loan will be
PHP 2,383 per month (APR = 143%)


MoneyCat Financing Inc.

Address: Unit 1701 Tycoon bldg Pearl Drive st. Brgy San Antonio Ortigas Center
Pasig City, ph 1800. Certificate of Authority To Operate Number: 1254 granted by
the Securities & Exchange Commission

Fill out an online loans registration form and you can get up to 20,000 PHP on
your account. MoneyCat Financing Inc. gives you an opportunity to take loans
from reliable credit partners. To get a loan you need to provide: any document,
phone number and bank account in your name.


Cashspace.ph

is a brand of the company Fininity Ltd (registration number: 14523902, address:
Tartu Street 84a, Tallinn, 10112, EE.)

This site is not a financial institution, bank, or lender. This site finds loans
for customers, acting as an intermediary between a client who is looking to take
a loan and a licensed financial institution. It is not responsible for any loan
agreement. This website does not charge a service fee, nor is it responsible for
the actions, inactions, or interest rates of any lender. You are never under any
obligation to use the service, initiate contact, or request credit with any
lenders this site connects you to.


Crezu.ph

is a brand of the company Fininity Ltd (registration number: 14523902, address:
Tartu Street 84a, Tallinn, 10112, EE.)

This site is not a financial institution, bank, or lender. This site finds loans
for customers, acting as an intermediary between a client who is looking to take
a loan and a licensed financial institution. It is not responsible for any loan
agreement. This website does not charge a service fee, nor is it responsible for
the actions, inactions, or interest rates of any lender. You are never under any
obligation to use the service, initiate contact, or request credit with any
lenders this site connects you to.



Material disclosure







APR Disclosure: The Annual Percentage Rate (APR) plays a pivotal role in
selecting a loan that is suitable for your needs. It is a measure of the
interest you will pay throughout the loan's lifespan, taking into account the
loan amount, fees, and repayment schedule. APRs may vary significantly based on
the loan type and the lender, with cash advances having the highest rates (up to
1386%), and personal loans ranging from 4.99% to 450%. It is critical to
carefully examine the APR and other loan terms before agreeing to a loan, as
lenders are required by law to disclose this information. Keep in mind that APRs
may fluctuate over time and are subject to change.

Material Disclosure: The website you are using does not lend money or act as a
representative of any lending organization. Instead, it operates as a platform
to connect potential borrowers with qualified participating lenders who can
offer loans ranging from ₱10,000 to ₱25,000 for cash advances, up to ₱100,000
for installment loans, and up to ₱500,000 for personal loans. However, there is
no guarantee that any participating lender will approve your loan application.
It's important to note that our service does not promote any illegal loan
products, and we do not provide any specific loan offers or commitments to lend.
We do not charge for any services or products, and any compensation received is
solely for advertising services provided by participating lenders. Our platform
does not endorse any service or product, and the service may not be available in
certain areas. We do not have control over the actions of any lender and are not
responsible for them. We do not have access to the full details of your loan,
including the APR, and we recommend that you contact your lender for more
information. By registering on our website, your information may be shared with
one or more participating lenders. Using our service does not obligate you to
contact a lender, register for credit or loan products, or accept a loan from a
participating lender. Lenders may have different repayment terms, cash transfer
times, and local regulations, and may require faxing. These disclosures are for
informational purposes only and should not be considered legal advice.

Credit Implications: The operator of this website is not responsible for
determining your eligibility for loans. Instead, our website acts as a connector
between you and independent participating lenders who may use credit reporting
agencies or alternative providers to assess your creditworthiness and credit
history. By submitting your information, you authorize these participating
lenders to verify your details and credit history. The loans offered by these
lenders are meant to provide short-term financial assistance and are not a
long-term solution to debt. It is crucial that you borrow only what you can
afford to repay on your next payday. Before applying for a loan, consider
seeking professional financial advice to evaluate your options, the associated
risks, and alternative solutions. Late payments may result in additional fees,
collection actions, or both. Each lender operates under their own terms and
conditions, so carefully review them before signing a loan agreement. Failure to
repay a loan may lead to collection activities. Before proceeding, make sure to
review the unique renewal policy of your lender.

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