Tell us how much you need — Creditio instantly matches you with SEC-registered lenders in the Philippines offering the best rates. Get approved in as fast as 15 minutes. No collateral, no hidden fees.
Calculator figures are indicative only. Final terms depend on your profile and on the lender you choose. Creditio is a comparison service, not a lender, and it is completely free for borrowers.
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Get funds in your GCash, Maya or bank account in 4 simple steps
Choose the amount and the term that fit your situation.
Provide basic personal information — takes less than 3 minutes.
We match you with the best lenders based on your needs and profile.
Get approved and receive funds directly to your preferred account.
We make borrowing safer, faster and smarter for every Filipino
Apply 100% online — just upload photos of your valid ID.
Most partners accept borrowers even without credit history.
Unsecured personal loans — no need to put up property.
Get a decision in minutes, receive funds within hours.
Basic eligibility requirements for most online lending apps in the Philippines
Must be a Filipino citizen or permanent resident of the Philippines.
Must be at least 21 years old and not older than 70.
SSS, UMID, TIN, Driver's License, Passport, PhilHealth or Voter's ID.
Personal Philippine mobile number for OTP verification.
Employed, self-employed, freelancer or OFW with verifiable income.
Bank account, GCash or Maya wallet for disbursement.
Compare offers from 15+ trusted lenders in just 3 minutes
Find my best loan →Real reviews from Filipinos who found loans through our platform
Super easy and fast — I applied during my lunch break and got the money in my GCash within two hours. No long lines, no paperwork.
I compared several lenders and found one with 0% interest for my first loan. Saved a lot of money — Creditio made it easy to pick the right one.
As an OFW it's hard to get loans from banks. This site helped me find a legit online lender that approved my application quickly.
Looking for a fast, reliable online loan in the Philippines? Creditio helps you find the right loan — we match you with SEC-registered lenders so you can borrow safely, quickly and with confidence.
With dozens of online lending apps available in the Philippines, choosing the right one can be overwhelming. Creditio compares interest rates, loan amounts, approval speed and terms from multiple SEC-registered lenders — all in one place, completely free.
Online lending apps in the Philippines offer loans from ₱1,000 to ₱50,000. First-time borrowers typically start smaller, while repeat borrowers with a good repayment history can access higher limits.
The SEC caps interest rates for online lending: a maximum nominal monthly interest of 6%, with the effective rate capped at 12% per month. Late payment penalties are capped at 5% per month. Many lenders offer 0% interest on first loans.
Yes — as long as you borrow from SEC-registered lending companies regulated under RA 9474. Always verify a lender's SEC Certificate of Authority before applying. All lenders featured on Creditio are verified as properly licensed.
Everything you need to know about online loans in the Philippines
Creditio is a free loan-matching service in the Philippines. We help you find the right online cash loan by matching you with SEC-registered lenders offering the best rates and terms — all in one place, 100% free for borrowers.
No, Creditio is not a lender and does not provide loans directly. We connect you with SEC-registered lending partners. All loan terms, interest rates and approval decisions are made by the individual lenders.
Most online lenders require Filipino citizenship (age 21–70), a valid government ID, an active Philippine mobile number, a Philippine address, stable income, and a bank account or GCash/Maya wallet.
Most lending apps use automated scoring and can approve within 15 minutes to 1 hour, with funds disbursed to your GCash, Maya or bank account shortly after.
Yes, as long as you only borrow from SEC-registered lending companies. Always verify the lender's Certificate of Authority before applying. Every lender featured on Creditio has been verified as actively SEC-registered.
Creditio never charges you for using its services. Creditio is a loan-matching service, not a lender, and does not make credit decisions. We connect you with SEC-registered lending companies regulated under RA 9474. Loan amounts range from ₱1,000 to ₱50,000 with repayment terms from 7 days to 12 months. The SEC caps online lending at a nominal interest rate of 6% per month, with an effective rate capped at 12% per month and late payment penalties capped at 5% per month. For example, on a ₱10,000 loan repaid over 3 months at 6% nominal monthly interest, the total amount to repay would be ₱11,800. Actual rates and fees vary by lender, loan amount and borrower profile, and are always disclosed by the lender before you sign.