Low Rate Personal Loan Apps

JuanHand - online cash loan App

With JuanHand, get approved quickly and receive your funds instantly, making borrowing easy and fast.

Amount Range₱2,000-₱50,000
Interest Rate0.5% per day
Loan Term91 days - 180 days
Rating

Home Credit Online Loan App

Get quick loan from credit lending trusted in the Philippines

Amount Range₱1,000-₱20,000
Interest Rate8.49% per month
Loan Term12 months
Rating

Digido Philippines online loan

Get your first online loan with 0% interest, up to ₱10,000!

Amount Range₱1,000-₱25,000
Interest RateMax APR: 36%
Loan Term90 - 180 days
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High Approval Personal Loan Apps

MocaMoca - Safe and fast loan

A personal cash loan platform which aims to help people with problems

Amount Range₱2,000-₱2,5000
Interest Rate0.5% per day
Loan Term90-180 days
Rating

MabilisCash - Online Easy Loan

Apply for fast online loans up to PHP 60,000 with MabilisCash, making it easy to access funds quickly.

Amount Range₱2,000-₱40,000
Interest Rate0.5% per day
Loan Term91 days - 180 days
Rating

EasyPeso - Fast Online Cash Loan

Need cash fast? EasyPeso provides secure online loans to get you the money you need, quickly.

Amount Range₱2,000-₱30,000
Interest Rate0.5% per day
Loan Term90 days - 180 days
Rating

Why Choose Me?

Trusted List of Legitimate Loan Apps

We only recommend fully licensed and SEC-registered lending platforms, ensuring that you have access to safe and trustworthy loan products. Whether you're looking for personal loans or emergency cash, we provide a curated list of legitimate loan apps that meet Philippine government standards.

Low Interest Rates for Your Peace of Mind

Our recommended loan apps offer competitive interest rates, starting as low as 0.5% per day. With low interest, you can borrow the money you need without the stress of high repayment costs. Focus on your financial goals, not exorbitant fees.

High Loan Amounts to Meet Your Needs

We feature loan apps that offer high loan limits, with some platforms providing up to ₱50,000. No matter the size of your financial need, we connect you to the best loan options available for large or small expenses.

Long Loan Terms for Flexibility

Repayment is easy with flexible loan terms. Our platform showcases loan apps that offer extended repayment periods, giving you the time and space to manage your finances without feeling rushed or overwhelmed.

No Predatory Lending or Aggressive Collection Practices

Say goodbye to the risk of predatory loans. We ensure that all the loan apps we recommend operate transparently and fairly, without resorting to violent collection practices or unethical interest hikes. Enjoy peace of mind knowing you're in safe hands.

FAQ

Personal Loan Types: A Complete Guide

Finding the right personal loan can be overwhelming, especially with so many options available. Whether you need quick cash, a long-term bank loan, or a government-backed loan, PersonalLoan.ph helps you navigate the best choices. Below, we break down different types of personal loans available in the Philippines, so you can choose the one that suits your financial needs.    

Online Loan Apps (Instant Cash Loan)

Online loan apps are the most accessible type of personal loan. They require minimal documentation, and many platforms approve loans within minutes. These loans are ideal for emergencies or short-term financial gaps. However, they usually come with higher interest rates compared to bank loans.

Best for: Those who need quick and hassle-free cash
Loan Amount: ₱1,000 - ₱50,000
Approval Time: As fast as 15 minutes
Repayment Term: 90 - 180 days
Recommended AppsDigidoJuanHand

Pros:
✔ No collateral required
✔ Fast approval process
✔ Available 24/7 online

Cons:
❌ Higher interest rates
❌ Lower loan limits compared to bank

Bank Personal Loans

Overview: Bank personal loans offer higher loan amounts with lower interest rates than online loan apps. However, they require more documents, such as proof of income, valid IDs, and credit history. If you’re looking for a large loan with a flexible repayment plan, bank personal loans are a great option.

Best for: Those with stable income and good credit standing
Loan Amount: ₱20,000 - ₱2,000,000
Approval Time: 3 - 7 business days
Repayment Term: 1 - 5 years
Recommended Banks: BPI, Metrobank, UnionBank, Security Bank

Pros:
✔ Lower interest rates than online loans
✔ Higher loan amounts
✔ Longer repayment terms

Cons:
❌ Requires more documents
❌ Longer approval tim

Government Loans

Overview: Government-backed loans are some of the most affordable loan options. They come with low interest rates and long repayment terms. However, they are only available to employees contributing to these government agencies.

Best for: Employees and government workers who need low-interest loans
Loan Amount: ₱5,000 - ₱2,000,000
Approval Time: 5 - 15 business days
Repayment Term: 1 - 30 years
Recommended Programs:

  • Pag-IBIG Loan (Housing loan, multi-purpose loan)
  • SSS Salary Loan (For private employees)
  • GSIS Loan (For government employees)

Pros:
✔ Low interest rates
✔ Long repayment terms
✔ Can be used for housing, business, or emergencies

Cons:
❌ Limited to Pag-IBIG, SSS, or GSIS members
❌ Longer processing tim

Salary Loans (Employee Loans)

Salary loans are personal loans offered to employees where repayments are deducted directly from their salary. Some companies offer in-house salary loans, while others partner with loan providers. This is a convenient option for those with a stable income.

Best for: Employees looking for a loan against their salary
Loan Amount: ₱5,000 - ₱500,000
Approval Time: 1 - 5 business days
Repayment Term: 3 - 24 months
Recommended Lenders: Tala, GCredit, Home Credit

Pros:
✔ Easy to apply for salaried employees
✔ No collateral required
✔ Fixed monthly deductions

Cons:
❌ Limited to employed individuals
❌ The loan amount depends on salar

Car Loans (Auto Loans & Car Pawning Loans)

There are two types of car-related loans:
1️⃣ Auto Loans: Financing to purchase a new or used car.
2️⃣ Car Pawning Loans: Borrowing against the value of an existing car.

Auto loans are provided by banks and dealerships, while car pawning loans are available through financing companies.

Best for: Buying a new or used car, or borrowing against a car
Loan Amount: ₱100,000 - ₱3,000,000
Approval Time: 7 - 10 business days
Repayment Term: 1 - 7 years
Recommended Lenders: BDO, EastWest Bank, RCBC

Pros:
✔ Ideal for vehicle purchase
✔ Competitive interest rates

Cons:
❌ Requires a down payment for new car loans
❌ Risk of car repossession for car pawning loan

Credit Card Cash Loans

If you have a credit card with a high limit, you can convert a portion of your credit limit into instant cash. This is a quick way to get funds without applying for a separate loan. However, it usually comes with high interest rates compared to bank personal loans.

Best for: Credit card holders who need instant cash
Loan Amount: Up to 80% of the credit card limit
Approval Time: Instant or within 24 hours
Repayment Term: 3 - 36 months
Recommended Banks: BPI, CitiBank, HSBC

Pros:
✔ Instant approval
✔ No need for additional documents

Cons:
❌ High interest rates
❌ Limited by the credit card limi

Which Personal Loan is Right for You?

Choosing the right loan depends on your financial situation:
✅ Need quick cash? → Online Loan Apps
✅ Want low interest? → Bank or Government Loans
✅ Need a big loan? → Secured or Auto Loans
✅ Salaried employee? → Salary Loans
✅ Have a credit card? → Credit Card Cash Loans

No matter your situation, PersonalLoan.ph helps you compare and find the best personal loan for your needs!

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