When it comes to the best loan apps in Philippines, we make reference to legitimate lending platforms that have served the people of Philipines reputably and reliably in times of emergency by providing them instant access to emergency loans and cash advances
Loan apps are becoming increasingly popular without a doubt more and more Filipinos prefer to draw up a loan just by taking a smartphone into their hands and opening the app. This speaks volumes as to why Fintech has been a backbone in the Philipines for years now since its inception.
In the Appstore and Google Play Store, you will find a lot of applications through which you can draw up a loan. But the question is: can you trust each of the loan apps? Some of them claim to be legit loan apps in Philippines, however, the reality is always not as that. They go about sending defamatory messages to customers’ contacts without second thoughts.
Top 15 Best Loan Apps In Philippines for legit lending 2025
The best loan apps in Philippines to take an emergency loan with guaranteed approval and superfast disbursement are Juanhand app, Gcash app, Tala app, MoneyCat app, PeraAsia app, My Home Credit App, UnaCash, BPI Mobile and Cashalo app. These reputable platforms are fast with low interest and are licenced for secured and ethical lending.
1. Juanhand App
Juanhand app is one of the best loan apps in Philippines giving customers access to large some of money as quick loans. It was developed by Wefund Lending Corp and offered to customers with urgent financial needs from 2.000 – 10.000 PHP. Customers who borrow money via the Juanhand app only need an ID card, no need to prove a source of income or collateral. It takes only 15 minutes to make a 100% online application and disburse through the borrower’s bank account.
2. GCash App
GCash loan app might be considered first among the best loan apps in Philippines that gives you loan in a speed of minutes. With this app, you can turn a mobile phone into a virtual wallet where you can save money and withdraw same into your bank account or move money within wallets including PayPal.
With GCash app, the user can pay for purchases and transfer money at the speed of a text message. GCash App allows you to easily and quickly make various transactions without cash! Using this legit loan app, the user can pay for purchases in online stores without using a physical card. To do this, the American Express Virtual Pay card related to the mobile wallet is used. Another feature of GCash is the free withdrawal of funds from the electronic payment system PayPal.
3. Tala App
Tala is another legitimate loan app in the Philippines that allows you to get a quick online loan in 5 minutes. Loan funds are credited to the client’s bank account or Coins.ph electronic wallet. Borrowers can also get their money at the nearest Tala office. With Tala app, a foremost best loan app Philippines, users can enjoy fast, flexible, and secure loans up to PHP 15,000 with rates as low as PHP 5* per day. You can easily download the app to get a quick cash loan.
4. MoneyCat App
One of the best loan apps in Philippines, MoneyCat is a financial and technical platform designed to provide financial mobility to Filipinos and the possibility of instant borrowing at any time of the day. This application is based on mobile Internet security technology and Big Data analysis. Money Cat allows receiving the credit for the term from 90 to 180 days. The annual loan rate through this application is 16.6% per month. Borrowers are not charged for the transaction. This service is available only to Philippine citizens over the age of 20.
The main advantage of Money Cat is the ability to obtain the necessary borrowed funds, being at home or in the office. The whole process of drawing up a loan agreement is carried out online. It takes no more than 5 minutes to register an account, submit an application and conclude an agreement.
5. PeraAsia App
PeraAsia, yet another lead on our list of best loan apps in Philippines, allows you to take quick cash loans without any collateral mobile application that allows residents of the Philippines to get a quick online loan. To do this, it is enough to fill out the form and apply. According to statistics, more than 95% of PeraAsia users receive a positive response from loan officers. This is one of the best lending apps.
PeraAsia services are available exclusively to individuals aged 20+. It usually takes no more than two minutes to process an application from clients. Potential borrowers can draw up loans ranging from 1 to 30 thousand Philippine pesos. The minimum loan term is 61 days, the maximum is 360 days. As the loan term increases, the interest rate rises.
6. UnaCash App
Yet another popular best loan app Philippines, UnaCash app is a simplified line of credit which helps Filipinos bridge financial gaps. The flexible loan terms offered by this “buy now, pay later” service are especially helpful to people who are using credit for the first time. With UnaCash, everything is digital and it gives you convenient and seamless experience with low interest rates. No bank visits needed, no hidden charges, and definitely no hassle application.
Interest rate varies from 3% to 16% monthly and loan amount from Php 1, 000 – Php 50, 000. Tenure is 2 to 6 months and loan could be processed within 24 hours. UnaCash is indeed one of the most legit loan apps in Philippines and arguably one of the fastest lending applications in the country.
7. Cashalo App
Cashalo is one of the best loan app Philippines used to pay by installments for shopping purchases, and it has over a thousand partner locations countrywide. So, if you don’t have a bank account or credit card, this is a fantastic option. Cashalo lending platform allows its customers to register via the online app and receive disbursement on all days of the week, any time of the day.
Thanks to the automatic review system and direct disbursement after the application is approved, the Cashalo fast loan application has more and more customers registering and using the service. If you need money for anything other than shopping, you may get a cash loan using their app. Interest rates is 0% to 5.99% per month while loan amount is Php 1, 000 – Php 12, 000 (Higher loan limit becomes available as you pay on time through the app). Monthly repayment is 3 to 8 months and loan can be approved in less than 24 hours. Fees is 0% to 10% processing fee.
8. BDO Digital Banking
This one is from Banco de Oro, also one of the largest banks in the Philippines. With BDO, you can apply for a personal loan in case you need more money for your personal needs. It’s our 8th best legit loan apps in Philippines. To get a loan from BDO; You must submit the application form, present proof of income and submit a valid ID. You can apply for a loan even if you are not a Filipino citizen. You can be a foreign national who has a resident status, and this should be enough to allow you to apply for a loan.
With the BDO personal loan, you can pay as little as a 0.59% interest rate. You can also choose to pay your loan between 3 and 36 months. Try a BDO loan if you are looking forward to home renovation, vacation, travel, and many other purposes. All banking transactions with BDO are simpler and easier with the BDO Digital Banking app.
9. LANDBANK Mobile Banking
LANDBANK is the bank that the government primarily uses to facilitate pensions. What many people do not realize is that it also has commercial offerings, and ome of the best loan apps and platforms in Philippines.
In the app, you can apply for a loan. To be able to do this, you need to meet the loan requirements. There are 3 types of loans that you can apply for: a loan for farmers and fishers, a housing loan, and a business loan. LANDBANK does not offer personal loans. The requirements for the loan are not mentioned on the site. If you will apply for a loan online, you must fill out the application form.
Because this is a business loan, you must expect to provide documents proving that you are a registered business. As such, you need proof of your identity and proof of your business registration. The bank may also ask you to provide collateral. The good thing about this bank is that, unlike other banks, it seeks to help out small businesses and those in the agricultural industry. What this means is that the interest rates are really low.
10. Online Loans Pilipinas (OLP)
Online Loans Pilipinas (OLP), our next pick for best loan apps in the Philippines, is a fintech platform that caters to digital financial solutions in response to Filipinos’ needs. The platform is focused on online micro and consumer financing and we aim to uplift the financial well-being of customers.
OLP provides fast and easy service financial solutions to every Filipino’s financial needs without office visits, collateral, complex approval process, or waiting in a queue.
Get a special offer for new clients: as low as 0% interest and without other fees credit. The minimum interest rate is 0% and the maximum APR is 200%. One time late payment fee is 500₱ (in case of delinquency of each monthly payment).
11. UnionBank Online
On our list of foremost legit and best loan apps in Philippines is UnionBank. Here, you can apply for a credit card or for other types of loans. This bank offers car loans, personal loans, housing and business loans, and also quick loans.
For quick loans, just go to the app or the website and apply. Like LANDBANK, you will be asked to fill out an application form. Prepare scanned copies or pictures of your documents and attach them to the application. Take note that this program is for people who are earning salary or payroll through UnionBank. These are not necessarily employees of the bank – it is just that their salaries are processed by UnionBank. If you do not qualify, you have to apply for a personal loan which is for anybody who is employed in the Philippines.
12. My Home Credit App
My Home Credit app – a mobile app that allows you to get cash loans at a minimum interest rate. The installment of credit payments in this app is only 28 Philippine pesos per day.
Home Credit App provides loans for any purpose. Users can get credit funds for business development, purchase a new smartphone, pay for training, repair a home or car and meet any other daily needs. Functionality of My Home Credit Philippines is available to potential borrowers in the case of the provision of two documents confirming the identity and age of the client. If you have a full package of documents, the application will be considered within 1-2 minutes.
13. BPI Mobile
BPI Mobile is the best loan app of the Bank of the Philippine Islands. With this highly legit loan app, you can check your balance, transfer funds within your different accounts, pay your bills, and even transfer money to other people. You can have access to all banking services with the BPI app. Get the same digital banking experience as BPI Online from the comfort of your pocket.
BPI has several loan types, but we will focus on personal loans. Here are the requirements: You must be a Filipino citizen; You must have proof of income; You must present a valid government ID. With BPI, you can loan up to 3x your gross monthly income. The minimum loan amount is ₱20,000. A great feature of the loan is that you can pay them on different terms. You can choose between 12 and 36 months.
14. Cashwagon
Cashwagon – is one of the ultimate best loan apps in the Philippines for urgent online credit processing. The app gives fast cash loans up to PHP 40,000, with Express cash disbursement on the same day – guaranteed! You can take your first loan – PHP 6,000 absolutely FREE, 0% interest, and 0% service fee! Loan term: Minimum of 91 days and a maximum of 180 days. Interest rates: 12% per month (maximum APR 144%). Loan amount: PHP 8,000 to PHP 40,000.
15. PesoCash
PesoCash is a loan app that allows users to access quick and easy loans in the Philippines. The app offers loans of up to PHP 10,000 with no collateral and no hidden fees. PesoCash is a convenient way to get extra cash when you need it, and the repayment terms are flexible to suit your needs. PesoCash is a safe and secure way to get a loan, and the process is quick and easy.
PesoCash loan amount ranges between ₱4,000 to ₱10,000. Interest Rates for your borrowing are in the region of 0.05% per day with loan terms ranging between 3 months to 12 months.
What are Online Loan applications in the Philippines?
Legit online loans are non-traditional loan from a private lender or a digital bank that operates over the internet. Companies that offer online lending in the Philippines generally process loan applications through their mobile app or website. Traditional banks and government loan providers conduct credit checks to evaluate a borrower’s capacity to pay. On the other hand, online lenders usually don’t and just require a valid ID or proof of income. Some of these are Juanhand app, Gcash app, Tala app, MoneyCat app, PeraAsia app, My Home Credit App, UnaCash, BPI Mobile and Cashalo app among others.
How Do Loan Apps Works In Philippines?
Philipines has some of the largest mobile money markets in the world. The country adopted online loan apps faster than many others. When you hear of loan apps in Philippines, the first thing you probably would be thinking is how you can get a loan.
These are apps that you can apply online for loans directly without visiting the lender’s office physically. Communication and exchange of information between the borrower and lender will be done online throughout the loan application process.
Conclusion
Legitimate online loan providers are lending companies in the Philippines that are registered with the Securities and Exchange Commission (SEC). Upon registration, the lender must comply with the Corporation Code,[3] the Lending Company Regulation Act,[4] and other laws regulating lending companies. Some of the legit loan apps that exist in Philippines are Gcash app, Tala app, MoneyCat app, PeraAsia app, My Home Credit App, UnaCash, BPI Mobile and Cashalo
