A register of Philippine loan providers
Plenty of sites list the same loan apps. Few will tell you that some of them are brokers that never lend a peso, or that a provider’s registration could not be confirmed. We do both, on every listing — then we tell you which one we would actually use.
Chosen on what each provider publishes and what its registration check shows — not on what it pays us. Every one of these has its own review, and the ones we would avoid are in there too.
Best for A first loan at 0%
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 carefu…
Best for Larger amounts, up to ₱50,000
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…
Best for Knowing the cost before you apply
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 reprice…
These are marketplaces. One application reaches several lenders, which is the practical route after a decline — but you will not know who holds the loan until you are matched.
Best for Seeing a real example first
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 disclos…
Best for Reaching several lenders after a decline
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 c…
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.
These hold an SEC Certificate of Authority and lend their own money. Ordered by how well they perform for our readers.
| Provider | What it is | Score | Amount | Term | Advertised rate | Apply |
|---|---|---|---|---|---|---|
| MoneyCatMoneyCat Financing Inc. | Direct lenderSECCA 1254per operator | 6.4/10 | ₱500 – ₱20,000 | 3 – 6 months | 0% on a first loan; around 11.9% a month afterwards | Go to site |
| FinbroSOFI FINANCING INC. | Direct lenderSECCA 1324 | 7.5/10 | ₱1,000 – ₱50,000 | Up to 12 months | 0% – 144% APR | Go to site |
| HoneyLoanWarm Cash Lending Corp. | Direct lenderSECCA 3472per operator | 7.0/10 | ₱1,000 – ₱30,000 | 61 – 364 days | 0.4% a day — an effective 12% a month | Go to site |
| KvikuKviku Lending Co. Inc. | Direct lenderSECCA 3169per operator | Not recommended | Up to ₱50,000 | 61 – 180 days | 0% – 2% per day; maximum annual rate 730% | Go to site |
These are marketplaces. You submit one application and they forward it to lenders they work with — convenient, but check who you end up borrowing from.
| Provider | What it is | Score | Amount | Term | Advertised rate | Apply |
|---|---|---|---|---|---|---|
| PeraMuning | Marketplaceforwards your applicationSEC check pending | Under review | ₱500 – ₱25,000 across partner lenders | 91 – 180 days | Set by the matched lender; PeraMuning charges the borrower nothing | Go to site |
| Mazilla | Marketplaceforwards your applicationSEC check pending | Under review | ₱500 – ₱25,000 across partner lenders* | 61 – 365 days* | Not published | Go to site |
| Moneezy | Marketplaceforwards your applicationSEC check pending | Under review | ₱1,000 – ₱25,000 across partner lenders | 61 – 120 days | Set by the matched lender; its own example works out to 36% APR | Go to site |
| CashSpace | Marketplaceforwards your applicationSEC check pending | Under review | ₱500 – ₱25,000 across partner lenders | 61 – 120 days | 12% to a maximum 36% APR, per its own site | Go to site |
| Crezu | Marketplaceforwards your applicationSEC check pending | Not recommended | ₱1,000 – ₱25,000 across partner lenders | 91 – 120 days | 12% to a maximum 36% APR, per its own site | Go to site |
| CreditNice | Marketplaceforwards your applicationSEC check pending | Under review | ₱1,000 – ₱50,000 across partner lenders* | Not published | Not published | Go to site |
| Credy | Marketplaceforwards your applicationSEC check pending | Under review | ₱1,000 – ₱25,000 across partner lenders* | 61 – 120 days* | Advertised from 0% on a first loan; full range not published* | Go to site |
| Cash2Go | Marketplaceforwards your applicationSEC check pending | Under review | ₱1,000 – ₱25,000 across partner lenders | 61 – 120 days | From 0% to a maximum 143% APR, set by the matched lender | Go to site |
| Finami | Marketplaceforwards your applicationSEC check pending | Under review | Up to ₱25,000, higher for returning customers | Not published | Partner offers listed from 0%; full range set by the lender | Go to site |
| Finloo | Marketplaceforwards your applicationSEC check pending | Under review | ₱1,000 – ₱25,000 across partner lenders* | 61 – 180 days* | Not published | Go to site |
| Binixo | Marketplaceforwards your applicationSEC check pending | Under review | ₱1,000 – ₱25,000 across partner lenders* | 91 – 365 days* | Not published | Go to site |
| Finpug | Marketplaceforwards your applicationSEC check pending | Under review | ₱1,000 – ₱25,000 across partner lenders* | 61 – 365 days* | Not published | Go to site |
| Creditify | Marketplaceforwards your applicationSEC check pending | Under review | ₱2,000 – ₱25,000 across partner lenders* | 62 – 360 days* | Not published | Go to site |
* Range taken from a third-party listing rather than the provider’s own published page. We are still confirming these directly.
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.
SEC registration lookup still outstanding on 13 of the providers above. Each review says so on its own page rather than burying it.
