Featured partner
Binixo
our ratingMarketplaceforwards your applicationSEC check pending
- Amount
- ₱1,000 – ₱25,000 across partner lenders
- Term
- 91 – 120 days
22 providers · rated · licence-checked
Find a loan you can actually compare.
Every provider is rated out of five on a published rubric, labelled as a direct lender or a marketplace, and checked against the SEC register. Tell us what you need and start at the top.
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What kind of loan?
22 providers advertise loans. Published ranges, not approvals. Each is rated and labelled below.
4 direct lenders · 18 marketplaces · 1 flagged by us · how we rate
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Full comparison →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.
MoneyCat
our ratingBest for A first loan at 0%
Direct lenderSECCA 1254
- Amount
- ₱500 – ₱20,000
- Term
- 3 – 6 months
- Rate
- 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.
Finpug
our ratingMarketplaceforwards your applicationSEC check pending
- Amount
- ₱1,000 – ₱25,000 across partner lenders
- Term
- 61 – 365 days
More providers
Moneezy
our ratingBest for Seeing a real example first
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
CashSpace
our ratingBest for Reaching several lenders after a decline
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
HoneyLoan
our ratingBest for Knowing the cost before you apply
Direct lenderSECCA 3472
- Amount
- ₱1,000 – ₱30,000
- Term
- 61 – 364 days
- Rate
- 0.4% a day — an effective 12% a month
Zaimoo
our ratingMarketplaceforwards 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"
CreditNice
our ratingMarketplaceforwards your applicationSEC check pending
- Amount
- ₱1,000 – ₱50,000 across partner lenders
Credum
our ratingMarketplaceforwards 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
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.
Find by what you need
- Online loans20 providers compared
- Personal loans11 providers compared
- Loans for bad credit1 providers compared
- Salary loansSSS and Pag-IBIG first
Best for
Written by the editors from what each provider publishes. Not influenced by payout, and not awarded to anyone we have not checked.
- Best for A first loan at 0%MoneyCat — read our review
- Best for Seeing a real example firstMoneezy — read our review
- Best for Reaching several lenders after a declineCashSpace — read our review
- Best for Knowing the cost before you applyHoneyLoan — read our review
How MoneyNow compares providers
Who is licensed
We look each operator up on the SEC lists and say what we found: confirmed, self-declared, still pending, or not found.
Lender or marketplace
A marketplace forwards your form to lenders it works with. Useful after a decline; but you will not know who holds the loan until you are matched. We label every card.
What it really costs
The advertised daily rate is not the legal figure. We score the effective rate against the 2026 SEC ceiling and flag anyone priced above it.
Some links pay us a commission, and that can affect ordering. It never changes a rating or a stamp. The full rubric · Editorial policy
Check the number before you commit
Useful guides
NCR minimum wage right now
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.
Ready to compare?
20 online loan providers, one list, every one labelled.