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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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
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.
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.
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)
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
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.
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
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.
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
SSS Calamity Loan Assistance Program ( CLAP ) shall be available on April 24th, 2020 through the SSS Website and My.SSS portal. If you are planning to apply for a loan, check the process below.
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WATCH THE VIDEO BELOW TO UNDERSTAND ABOUT THE SSS CALAMITY LOAN ASSISTANCE PROGRAM (CLAP)
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SSS will be offering a maximum of P20,000 Calamity Loan Assistance Program o CLAP to all members and it will be available on the 14th of April, 2020 via the SSS portal My.SSS.
SSS vice president for public affairs and special events Mr. Fernan F. Nicolas told webinar participants last week, April 15, that the SSS will be launching a calamity loan program nationwide they called CLAP for those affected by the quarantine because of the COVID-19 on April 24. The allocated budget for the program is P20 Billion and can accommodate around 1.7Million members
HOW TO APPLY FOR SSS CALAMITY LOAN or CLAP? The application for the loan program would be through the online SSS portalor the MY.SSS. WHAT ARE THE QUALIFICATIONS for CALAMITY LOAN? Members of the SSS can avail of the calamity loan if : At least 36 months of contributions; with six (6) posted within the past 12 months on or before the month of the application. The home address of the member should be at a declared State of Calamity Area Must not be a delinquent borrower Must have not availed any SSS benefit or claim such as: Permanent disability Death Retirement Program Documents needed WHAT TO PREPARE TO APPLY FOR LOAN? Duly accomplished Calamity Loan Assistance Application Form (accessible in the sss.gov website) Barangay Certification At least one (1) primary ID: Unified Multi-Purpose ID (UMID) Passport Professional Regulation Commission (PRC) ID Seaman’s Book Driver’s License Or two (2) secondary IDs Company ID PhilHealth ID Senior Citizen ID Voter’s ID Taxpayer’s Identification Number (TIN) ID FOR OFW, HOW TO APPLY FOR LOAN AND WHAT ARE THE REQUIREMENTS? A proxy or a representative in the Philippines. Authorization letter from the OFW Scanned and printed copies of valid ID of the OFW plus the original valid ID of the representative WHERE TO GET THE LOAN AMOUNT? Loan proceeds will be transferred to a bank account. If you are planning to apply you need to have a bank account. Once approved, loan proceeds will be credited through member’s enrolled bank account.” CHECK BELOW HOW TO CONNECT YOUR BANK ACCOUNT TO YOUR SSS ACCOUNT
WHEN IS THE LOAN PAYABLE? The loan will be payable in 27 months. The payment will be payable after 3 months of loan approval. Loan interest will be 10 percent per annum. View the video graphics below.
CONNECT YOUR BANK ACCOUNT TO YOUR SSS BY FOLLOWING HER ADVICE BELOW.
The Multi-Purpose Loan (MPL) is a cash loan under Pag-IBIG’s short-term loan program that aims to provide financial assistance to qualified members for:
• House Repair
• Minor Home Improvement
• Home Enhancement
• Tuition/ Educational Expenses -Pag-Ibig members can avail up to 80% of the total contribution in Pag-Ibig for Education Loan.
To know the total amount of Pag-Ibig contribution. To know the total amount of your contribution or savings you may call the PAg-Ibig hotline: 724-42-44.
• Health and Wellness
• Livelihood
• Other purposes
2. Who are eligible?
The loan is open to any Pag-IBIG member who: • Has made at least 24 monthly mandatory savings (MS) • Has 5 MS for the last 6 months prior to date of loan application • If with an existing Housing Loan and/or MPL and/or Calamity Loan, the account/s must not be in default prior to loan application
3. How much can one borrow? The borrower’s loan value shall be a percentage of his Total Accumulated Value (TAV), to wit: No. of monthly savings Loan Value 24 – 59 months- Up to 60% of Total Accumulated Value (TAV) 60 – 119 months - Up to 70% of TAV At least 120 months - Up to 80% of TAV
However, an eligible borrower’s loan shall be limited to an amount for which statutory deductions, monthly repayment of principal and interest, and other obligations will render the borrower’s net take home pay to fall below the minimum requirement as prescribed by the General Appropriations Act (GAA) or company policy, whichever is applicable.
4. How much is the interest rate? The loan shall bear a nominal interest rate of 10.75% per annum, paid equally for the duration of the loan. 5. What is the repayment period? The loan shall be repaid over a maximum period of twenty-four (24) months, with a grace period of two (2) months. Payments must be remitted to Pag-IBIG on or before the 15th day of each month starting on the 3rd month following the date on the DV/Check. Watch the video below to know the requirements and how you can apply for loan:
This 3 online firms with established credibility offers personal and quick cash loan for overseas Filipino even if you are working overseas, you can apply online.
LoanSolutions.ph is the largest network of lenders in the Philippines. It facilitates fast and easy access to credit for different financial needs by connecting borrowers to multiple lending partners in single online loan application.
ZAZU Lending Investor Corporation endeavors to deliver a convenient, efficient, swift and manageable loan service for Overseas Filipino Workers who are in need of financial assistance prior to starting their new jobs abroad.
1 2 3 Lending Corporation started operations in March 2013 and quickly became the leading lender in Cebu City to the OFW market. Today they have offices in Metro Manila and Cagayan de Oro City.
Please note that we are not connected to the above lending agencies, and online lending companies and we require you to direct your questions and directly contact them for details.
PERSONAL LOAN
Non-collateral multi-purpose cash loan for employees and professionals.
OFW LOAN
Cash loan for OFW Seaman/Landbased on Vacation, Direct Hire or First time OFW with Agency.
"BDO offers Personal, Home and Auto Loans to OFWs through its Asenso Kabayan Program. Borrowers should at least be 25 years old but not more than 65 years old upon the maturity of the loan. You should be employed for at least 2 years abroad for skilled workers, and at least 3 years for domestic helpers taking home at minimum P10,000 gross monthly for Personal and Home Loans, and P50,000 per month for Auto Loan.
Borrowers can submit their application to callcenter@bdo.com.ph. You must also have an initial minimum deposit of P100 for peso account and $100 for dollar account to qualify for the loans. All forms can be downloaded at www.bdo.com.ph."
Bank/Lender: BPI BANK OF THE PHIL. ISLAND
Loanable Cash Amount: Up to 3x of gross monthly income, ranging from ₱20,000 up to ₱1 million
Loan Terms: 12 months, 18, 24, 30 or 36 months
BPI grants Personal Loan, Housing Loan and Auto Loans to OFWs working abroad for at least 2 years and earning a minimum of P30,000 per month for Personal and Auto Loans, and a minimum of P40,000 for Housing Loans. Borrowers should be at least 21 years old and not more than 60 years old upon the maturity of the loan. You must be physically present at the BPI branch to sign the loan documents once it is approved. To apply online, visit www.bpiloans.com.
For non-OFWs and those currently residing in the Philippines please check the link and options below. EXAMPLE: IF YOU BORROW A SMALL CASH LOANS WORTH P200,000 and you have a monthly income of P30,000 AND YOU WISH TO PAY IT IN THE NEXT 3 YEARS, or 36 months, here are the computations on different banks. We recommend, BPI, because the interest rate is cheaper.
If you have short-term money needs, a personal loan can be the answer. With no collateral needed, you can easily apply for a personal loan at any bank in the Philippines. To learn more about the basics of personal loans, we've compiled this FAQ for your convenience.
What is a Personal Loan?
True to its name, a personal loan is a loan for any personal expense. Unlike a housing loan or a car loan, you can use a personal cash loan for anything you want, be it tuition fees, travel, or anything else.
There are two types of personal loans available: secured and unsecured. A secured personal loan requires collateral, such as a house or car, to back the loan. For unsecured personal loans, you don't need to put up any kind of collateral. Unsecured personal loans are much more common in the Philippines, though secured loans are also available.
How do Personal Loans in the Philippines work?
When oyu take out a personal loan in the Philippines, you enter into an agreement with the lender (usually a bank) and promise to repay your loan over an agreed length of time. If you're taking out a secured loan, you will also need to put up a collateral.
To repay your personal loan, you make monthly payments for the loan tenure until you've fully repaid both the principal of the loan and the interest. During the early years of the loan, the majority of your monthly payments will be used to repay interest, however, as time passes, a larger proportion of your payments will go into paying down the principal.
Rates vary from bank to bank. For example, a Security Bank personal loan has an effective interest rate of 29.48%, while a BDO personal loan has an effective interest rate of 26.62%. For the latest rates, use our personal loan calculator.
How Do I Use A Personal Loan Calculator?
All you have to do is to specify the amount and period you want to clear the payment of it in the various available fields. The online calculator will then make it easy for you by providing suitable loan packages that are available on the market, and the monthly amortizations for each one. It is worth noting that the best rates will feature at the top.
If you wish to sign for a personal loan you will then click on the "Apply" button.
Loan Terms
Collateral: This refers to the asset the borrower pledges to a given lender in order to secure a loan and this will be impounded by the lender in case of default in payment of the loan. The case in Malaysia particularly for the islamic personal loans don't require the need for a collateral.
Early settlement penalties: The fees that the borrower will have to pay in the event that he/she settle the loan at an earlier date from the one specified on the loan agreement. This is usually estimated as a percentage of the initial loan amount.
Guarantor: This is a person who agrees to be liable for the payment of a loan in the event that the borrower will not be in a position to pay it in time.
Late Payment Charges: This is the fee which the bank will charge you in the event of you not paying your loan in the agreed time schedule. For example, for BPI personal loans, late payments are charged 5% a month.
Loan/Financing Tenure: This refers to the period for a certain loan. At the end of the loan tenure the borrower is supposed to have cleared the loan taken.
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.
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.
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.”
