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Tuesday, April 28, 2020

Top 10 List of Online Cash Loan Services in the Philippines


Narito ang listahan ng mga online lending apps and website and companies. Please note na ang Securities and Exchange Commission ay patuloy na minomonitor at hinahabol ang mga illegal online cash loan na websites and apps, lalo na ang mga nanghaharass at nagpapahiya sa mga nanghihiram.
Ang JBSOLIS.COM ay hindi iniindorso ang mga apps, websites at lending companies na ito at hindi kami affiliated sa alinman sa kanila. Ang tanging hangarin lamang namin ay maipaalam sa publiko ang mga lending platforms na ito at maeducate ang mga visitors ng mga legal at legit na nagpapautang online for reference. Panoorin ang video sa ibaba: 

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Video: Opisina ng online lending app na nanghihiya sinalakay; 54 timbog
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Here’s a list of Top 15 Companies and Services Offering Online Cash in the Philippines

1. HC Consumer Finance Philippines (Home Credit)

Cash loan
Get a Cash Loan you can use anywhere and get approved as fast as 1 minute. With Home Credit, you can easily apply for a Cash Loan without worries. Their core business is non-cash, no-collateral in-store financing to qualified mass-market consumers seeking to purchase appliances and other gadgets. Right now, they also offer cash loans to customers via the Home Credit PH app.

Types of Loans being offered:
Cash Loan, Credit Card, Online Shopping

Interest rates:
Varies depending on the terms of the loan
Loan Approval Duration:
Same day as a purchase
Maximum Limit for Loans:
Php50,000 for cash and product loans
Requirements:
2 valid IDs (one government-issued)
Filipino between 18-68 years old
Employed/Self-employed

2. Tala Financing Philippines Inc.


How it Works
Download the App Tala Philippines sa Google Play.
Mag-register sa app and sagutan lamang ang ilang katanungan. No bank account or paperwork required. 
Apply for a Loan

Tala is an online lending platform that operates through its Android app. It’s targeted mainly to people who need quick cash loans for as small as Php1000.
Interest rates: 11% for payment on a weekly basis within 21 days or 15% for payment in full within 30 days.
Loan approval duration: 24 hours
The maximum limit for loans: Php25,000
Requirements and Application process:
Phone and ID.

Paalala lamang, ang isa sa mga step ng kanilang proseso ay kailangang magsign up using your Facebook account.

3. Cashalo





Kailangan mong magdownload ng kanilang app and apply in 5 minutes. 
No paperwork or lengthy processes!
Cash is disbursed in less than 24hrs.
Cashalo use global industry standard security and encryption. They promised that they never release user data to third parties. Cashalo is a mobile-app (Android and iOS) that provides a fast, affordable, and secure access to quick funds.

Interest rates: 4.95% per month
Loan approval duration: 1-2 business days
Maximum limit for loans: Php10,000
Requirements and application process:
Gov’t issued ID, payslip, company ID, bank account details. Download and install the app, register your account.


4. CashMart PH





Itong Singapore-based na company ay nagsimula pa noong 1969 and have extended their services dito sa Philippines. Meron silang iba't ibang loan products kagaya ng Personal loan, Salary Loan, Car Loan, and OFW Loan.
Interest rates: 3.5% depending on your loan terms (weekly, bi-weekly or monthly).
Loan approval duration: 24 hours (business day)
Maximum limit for loans: P5,000 up to P50,000
Requirements and Application process:
Two proof of billings (Meralco, water bill, cable, internet, or PLDT bills)
and at least one valid government ID/Company ID with one-month payslip
Apply CASH LOAN Online

5. FundKo


FundKo is a subsidiary of Guevent Investments Development Corporation (GIDC) – a Philippine-based investment company. It uses a Peer-to-Peer Lending format where lenders can choose from a variety of approved loans to fund.

FundKO’s main job is to collect repayments from borrowers and distributes returns to lenders
Interest rates: For Personal Loans, interest rates range from 12% to 35%. For SME loans, the interest rate ranges from 10% to 24%.
Loan approval duration: 2-5 business days
The maximum limit for loans: Php200,000 for Personal Loans
Requirements and Application process:
2 Photo Issued ID (1 Government and 1 Company ID)
2 Latest Proof of Billing
2 months Latest Payslip
3 Months Latest Bank Statement
Latest Certificate of Employment
Marriage Contract (if Married)

6. Blend.ph


They are a peer-to-peer (P2P) lending platform which aims to provide a safe and accessible place connecting lenders and borrowers.
Types of Loans being offered:
Personal loan, Fast loan, Seafarer loan, Salary loan, Franchise loan
Interest rates:
Personal loan: 1-3% monthly
Fast loan: 5-8% monthly
Seafarer loan: 2.5% monthly
Salary loan: 3.5% monthly
Franchise loan: 2-3% monthly
Loan Approval Duration:
Loan application will be posted for auction for a period of 14 days
Maximum Limit for Loans:
Php2 million
Requirements:
Complete the online registration
Valid IDs

7. CashWagon PH

This company operates under the financial arm of Green Money Tree Lending Corp. They also operate across several other countries in Southeast Asia. They focus on providing reliable microloans and financial services to those who don’t have immediate access to funds.
Interest rates: They offer 0% interest on your first 10-day loan (zero fee)
Loan approval duration: 1-2 business days
Maximum limit for loans: Php6,000 for first-timers
Requirements and application process:
Simply complete their application form online. Wait for approval.

8. PeraJet

This company prides itself in being supervised under the Philippine Securities and Exchange Commission (SEC). They were funded by WJA Investments, from Europe, and have been registered with the SEC since 2016.

Loan approval duration: 24 hours
The maximum limit for loans: Php35,000
Requirements and application process:
Need to submit 1 Primary and 1 Secondary ID
Certificate of Employment, Proof of Address, Payslip, Company ID
Primary IDs:
Passport
Driver’s License
Professional Regulation Commission (PRC) ID
Unified Multi-Purpose ID Card
PRC ID
Voter’s ID / COMELEC ID
Government Service Insurance System (GSIS) e-Card
Social Security System (SSS) Card
Secondary IDs:
Integrated Bar of the Philippines ID
Company ID with name and photo
PAGIBIG/HDMF ID
PhilHealth Card
Postal ID
TIN ID
NBI Clearance
Certificate of Employment
Credit/Saving Card
Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID), Home Development Mutual Fund (HDMF ID)
Department of Social Welfare and Development (DSWD) Certification

9. Asteria

Asteria is based on Makati and received full license from the SEC. Their goal is to, “provide online, hassle-free service to our new and existing clients.”
Interest rates: 0.8% per day
Loan approval duration: 1 business day
Maximum limit for loans: Php10,000 for first-time borrowers
Requirements and application process:
Register for an account. Confirm enrollment via email. Note that you’ll be asked to submit requirements (IDs) before you can complete the loan request.

10. Loan Ranger PH





The site boasts of using big data analysis to obtain the accuracy in its credit decision. They implement a fully-automated method of identifying credit score and potential of a customer to repay.
Interest Rate: 9.75%
Loan approval duration: Credit decision within 1 banking day
Maximum limit for loans: P3,000 – P10,000
Requirements and application process:
One valid government ID (scan copy or photo)
A Facebook account
A stable source of income (store owners and home-based workers/ freelancers are welcome to apply)
Apply CASH LOAN Online

Some of the Infos here has been sourced out from https://grit.ph


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