Compare Philippine loans, and see who is actually licensed.
Every provider below is rated out of five on a published rubric, and labelled as either a direct lender or a marketplace that forwards your application. Start at the top.
4 direct lenders · 18 marketplaces · 1 flagged by us · how we rate
Compare all 22 providers
We earn a commission when you apply through some of the links on this page, and that can affect the order providers appear in. It does not affect whether we tell you a provider is a broker rather than a lender, or that we could not verify its registration.
0% on a first loan; around 11.9% a month afterwards
A genuine 0% first loan with no processing fee, from a licensee that names itself clearly as the sole lender on its own platform. Worth taking for the first loan on that basis alone. Be more careful on repeat borrowing, where the rate moves to around 11.9% a month and its own material publishes the maximum APR inconsistently — get the figure in writing before you accept.
Marketplaceforwards your applicationSEC check pending
Amount
₱1,000 – ₱25,000 across partner lenders
Term
61 – 120 days
Rate
Set by the matched lender; its own example works out to 36% APR
Unusually for a marketplace, Moneezy publishes a representative example — ₱10,000 over three months at ₱900 in interest and fees, an APR of 36% — before you hand over anything. That is more disclosure than most of this group manage, and it makes it the marketplace to start with if you want a sense of the cost before applying.
Marketplaceforwards your applicationSEC check pending
Amount
₱500 – ₱25,000 across partner lenders
Term
61 – 120 days
Rate
12% to a maximum 36% APR, per its own site
The marketplace we would use first after a decline. One application reaches several lenders, and unlike its sister brand Crezu — both are Fininity Ltd — the representative example it publishes is consistent with the ceiling: ₱10,000 over three months repaying ₱11,000, an effective 4.9% a month. Same operator, same copy, a very different number, and this is the one that adds up.
The clearest pricing in this set. HoneyLoan publishes a worked example at an effective 12% a month, which is exactly the ceiling the SEC applies to capped short-term loans — evidence it has repriced deliberately rather than trading on the gaps. That makes it compliant rather than cheap, and it is the one we would point a first-time borrower to who wants to know the total before committing.
Marketplaceforwards your applicationSEC check pending
Amount
Up to ₱40,000 in the site's own rate disclosure. The same page headlines ₱25,000 and shows a ₱50,000 product tile
Term
From 61 days to 60 months
Rate
Minimum 11.9% per annum, maximum no more than 365% per annum, set by the matched lender. A product tile on the same page advertises "From 16,7% a day"
We are not recommending Zaimoo. Its homepage cannot keep its own numbers straight — ₱25,000 in the headline, ₱40,000 in the rate disclosure, ₱50,000 in a product tile, and a 14-day promotional loan against a minimum term it states as 61 days on the same page. The maximum rate it advertises, 365% a year, is roughly five times the nominal ceiling for the small short loans it promotes, and one tile claims a rate of 16.7% a day. It does name three of the credit institutions behind it, which is worth something; use those names and go direct.
Marketplaceforwards your applicationSEC check pending
Amount
₱1,000 – ₱50,000
Term
62 days – 36 months
Rate
Minimum APR 0%, maximum APR 180%, set by the matched lender
We are not recommending Credum, which is a shame, because on disclosure it is the best of the marketplaces we have reviewed — it names five partner lenders and their SEC registration numbers before you hand anything over. The problem is its own arithmetic. The representative example it publishes has you repaying ₱2,716.90 on ₱1,000 over three months, and since April 2026 the total cost of a loan that small and that short cannot lawfully exceed what you borrowed. Either the example is stale, having last been updated in August 2025, or its partners price above the cap. Until Credum resolves that, use its partner list as a reading list and approach a licensed lender directly.
Marketplaceforwards your applicationSEC check pending
Amount
₱1,000 – ₱25,000 across partner lenders
Term
91 – 120 days
Rate
12% to a maximum 36% APR, per its own site
We have pulled our recommendation. Crezu states a maximum of 36% APR, then publishes a representative example — ₱10,000 over three months, repay ₱15,000 — that works out to an effective 23.4% a month, roughly double the 12% ceiling that applies to a loan of that size and term, and nowhere near the 36% it advertises. The same company, Fininity Ltd, runs CashSpace, where the equivalent example is ₱11,000 rather than ₱15,000. Until Crezu explains which figure is real, use CashSpace instead.
The strongest registration position of anything we list: the SEC itself has confirmed that Finbro.PH is the online lending platform recorded to SOFI Financing, Inc. It publishes its amounts, terms and a worked cost example openly, and its app asks only for camera and location rather than your contacts. Recommended if you need a larger amount or a longer term — but do the arithmetic first, because its own twelve-month example repays ₱2,320 on ₱1,000.
We are not recommending Kviku. Its own Google Play listing advertises up to 2% a day and a maximum annual rate of 730%, with a worked example repaying ₱14,906 on ₱5,000. Its stated terms start at 61 days, so part of that range falls inside the bracket where the ceiling has been 6% nominal and 12% effective a month since April 2026. Either the listing is out of date or the pricing does not comply — until that is resolved, look elsewhere.
Marketplaceforwards your applicationSEC check pending
Amount
₱1,000 – ₱25,000
Term
Minimum 61 days, maximum 36 months
Rate
The published example uses 48% per year. No maximum rate appears anywhere on the site
We are not recommending CreditYes, and you should know why we are even listing it: the site is owned by DOAFF SIA, the affiliate network that pays us when you click through. Set that aside and it still names no partner lender, publishes no maximum rate, and dresses a loan decision in stock-photo testimonials and a countdown timer that was running backwards when we checked. The one worked example it publishes does comply with the SEC ceiling, which is more than two of the marketplaces added alongside it can say.
Borrow only what you can repay. Compare the effective interest rate, including fees, rather than the advertised daily or monthly rate — they are not the same number. Missing payments adds penalties and is reported to the credit bureau. If a lender or collector threatens you or contacts the people in your phone, that is prohibited, and you can report it to the SEC.
Wage Order No. NCR-27 sets the Metro Manila non-agricultural daily minimum at ₱755 from 2026-07-25, rising to ₱780 on 2027-01-20. Every region and both tranches.
