Top 15 Best Legit Loan Apps In Philippines (2022)

Today QUICK LOAN ARENA, a leading reference website for digital and lending platforms examines the top 15 best legit loan apps in Philippines for 2022.

Loan apps are becoming increasingly popular – more and more Filipinos prefer to draw up a loan just by taking a smartphone into the hands and opening the app. In the Appstore and Google Play Store and other similar stores you will find a lot of applications through which you can draw up a loan. But the question is: can you trust each such offer to be legit loan apps in Philippines? This article will assist ou to different the wheat from the chaff.

Legit Loan Apps In Philippines
Top 15 Best Legit Loan Apps In Philippines (2022)

How Do Online Legit Loan Apps In Philippines Work?

Online cash loan is a loan that you can apply online 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.

The application is quick and hassle-free. Most online loans are unsecured and will only require minimal documentary requirements if any. The release of funds is also very convenient as it’s directly transferred to your bank account or debit card.

However, compared to the conventional personal loans offered by banks or private lenders, the loan amount, especially for first-time borrowers may not be as big.

Summary of the Top 15 Best Loan Apps In Philippines For Quick Online Lending 2022

S /No.

Application Name

“Best For” Pick


No. of Downloads

1 Juanhand App Best for Fast Online Credit 4.5/5 1 Million
2 GCash App Best for Cashless Transactions 4.3/5 50 Million
3 Tala App Best for Simple Application Process 4.3/5 5 Million
4 MoneyCat App Best for Mobile Internet Security 4.4/5 1 Million
5 PeraAsia App Best for High Approval Rate 4.7/5 1 Million
6 My Home Credit App Best for Business development Loan 3.8/5  5 Million
7 BPI Mobile App Best for Financial Services 3.6/5 5 Million
8 BDO Digital Banking App Best for Personal Loan 2.2/5 5 Million
9 LANDBANK Mobile Banking Best for Business Loans 3.8/5  5 Million
10 Online Loans Pilipinas App Best for Consumer Finance Loans 4.3/5 Not Applicable

Complete List Of Top 15 Legit Loan Apps In Philippines

  1. Juanhand app
  2. GCash App
  3. Tala App
  4. MoneyCat App
  5. PeraAsia App
  6. My Home Credit App Philippines
  7. BPI Mobile
  8. BDO Digital Banking
  9. LANDBANK Mobile Banking
  10. Online Loans Pilipinas
  11. UnionBank Online
  12. UnaCash
  13. Cashalo
  14. Robocash
  15. Cashwagon

1. Juanhand App — Best for Fast Online Credit

Top 15 Best Legit Loan Apps In Philippines (2022)
Loan Apps In Philippines (2022)

Online Juanhand is a fast online credit platform and the 1st pick on our list of legit loan apps in Philippines. 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 ID card, no need to prove income or collateral, only 15 minutes to make 100% online application and disburse through the borrower’s bank account.

Juanhand is your partner for cash loan. It is one of the unique Fintech platforms in the Philippine to provide you 24-hour approval cash loan service online whenever and whatever.

How To Borrow Money from Juanhand App

Loan amount: ₱ 2,000.00 – ₱ 15,000.00
Loan term: 91 days – 180 days
Maximum APR: 30%
Transaction Fee: 0

To Borrow Money From This App, Click Here

2. GCash App — Best for Cashless Transactions

Loan Apps In Philippines (2022)
Loan Apps In Philippines (2022)

GCash Application – our 2nd pick for legit loan apps in Philippines is an application that allows you to turn a mobile phone into a virtual wallet. With it, 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 best 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 with the mobile wallet is used.

Another feature of GCash is a free withdrawal of funds from the electronic payment system PayPal. GCash also allows you to transfer cash from bank accounts at Bank of the Philippine Islands and Rizal Commercial Banking Corporation. This application is considered one of the most convenient ways to cash out in the Philippines.

Among other functions of this application, it is worth noting the possibility of receiving money transfers from Western Union and MoneyGram systems. To receive money, just enter the transfer number. Using GCash, users do not need to visit the stationary branches of Western Union and MoneyGram.

A feature of the application is the presence of the GScore bonus system. Regular use of GCash allows you to collect a large number of bonus points that open access to credit funds. GCash provides an opportunity to increase your budget through the GCredit service. Users can get an access their own credit line. GCash also provides an opportunity to conduct investment activities.

How To Borrow Money from GGCash App

The minimum loan amount in this application is 3 thousand Philippine pesos.

Get your loan
Type: First Loan Term: 15 days Payment frequency: on schedule Interest rate: 0% Payments amount: ₱0

Get your loan
Type: Second Loan Term: 30 days Payment frequency: every 2 weeks Interest rate: 1.5% daily Payments amount: ₱641

To Borrow Money From This App, Click Here

3. Tala App — Best for Simple Application Process

Best Legit Loan Apps In Philippines (2022)
Loan Apps In Philippines (2022)

Tala application – a mobile app that allows you to get a quick online loan in 5 minutes. Loan funds are credited to the client’s bank account or electronic wallet. Borrowers can also get their money at the nearest Tala office.

With this app, 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 quick cash loan!

Tala app offers a great opportunity to calmly manage your finances. Users of this app may not worry about where to get money for business development, tuition, home renovation, purchase of household appliances and other everyday needs. To obtain a loan through this application, only one document is required confirming the identity of the client. In this case, the borrower does not need to provide collateral or surety.

Tala allows you to get a loan for a period of 21 or 30 days. In the first case, the size of the one-time commission will be 11%. When applying for a loan for a 30-day period, a one-time commission will be 15%.

This application provides loans ranging from 1 to 2 thousand Philippine pesos. Borrowers can use applications such as 7-Eleven, Cebuana Lhuillier, M Lhuillier or to pay off debt. The user has the right to repay the debt in full or in part at any time within the term specified in the loan agreement.

Among the advantages of this app worth noting:

  • Simplified application process;
  • almost instant response from a loan officer;
  • high security of transactions and confidential user information;
  • the possibility of using tips on financial education that will help to properly budget and reduce your expenses.

To Borrow Money From This App, Click Here

4. MoneyCat App

Best Legit Loan Apps In Philippines (2022)
Best Legit Loan Apps In Philippines (2022)

MoneyCat application, our 4th pick for legit loan apps in Philippines is a financial and technical platform designed specifically for residents of the Philippines. It provides 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 application allows to receive 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.

To Borrow Money From This App, Click Here

5. PeraAsia App

Best Legit Loan Apps In Philippines (2022)
Loan Apps In Philippines (2022)

PeraAsia application – a 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 app.

PeraAsia app provides such benefits:

  • round-the-clock search of lenders;
  • remote registration (the borrower can apply at home or in the office);
  • minimum probability of refusal;
  • simple application form;
  • transparent terms of cooperation and the absence of hidden fees;
  • high approval rate of applications (more than 95%);
  • lack of requirements for attracting guarantors and mortgaged property.

PeraAsia app 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.

How To Borrow Money From PeraAsia App

To get a quick online loan, a potential borrower must follow these steps:

  • 1. install PeraAsia;
  • 2. provide your personal details;
  • 3. confirm your account;
  • 4. choose microfinance company;
  • 5. conclude a loan agreement.

To Borrow Money From This App, Click Here

6. My Home Credit App Philippines

Loan Apps In Philippines
Loan Apps In Philippines

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.

To Borrow Money From This App, Click Here

7. BPI Mobile

Loan Apps In Philippines
Loan Apps In Philippines

BPI Mobile is the app of the Bank of the Philippine Islands. With this 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 the personal loan. 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.

With the BPI app you can:

Get an overview of your accounts and access your bank statements;
Send money to other BPI accounts and to other banks via InstaPay;
Pay your bills;
Top up your e-wallet;
Set your debit card limits for purchases and cash withdrawals.

To Borrow Money From This App, Click Here

8. BDO Digital Banking

Loan Apps In Philippines
Loan Apps In Philippines

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.

Here are the loan requirements of BDO:

– You must submit the application form;

– You must present proof of income;

– You must 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.

To Borrow Money From This App, Click Here

9. LANDBANK Mobile Banking

Loan Apps In Philippines

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 its therefore one of the top legit loan apps 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.

To Borrow Money From This App, Click Here

10. Online loans Pilipinas

Loan Apps In Philippines
Loan Apps In Philippines

Online Loans Pilipinas (OLP), our 10th pick for legit loan apps in Philippines, is a fintech platform that caters 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 and 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 maximum APR is 200%. One time late payment fee is 500₱ (in case of delinquency of each monthly payment).

For new and valued repeat borrowers: the loan amount is from 1,000₱ to 25,000₱.

Subject to evaluation, the credit term reaches from 90 days to 180 days.

Use quick cash advance unsecured lending money application for your urgent needs. Take money before payday, for medicine, gifts, and other financial needs. Apply for reliable and secure lender service when salary is not enough.

How to apply for an easy payday online loan via the app?

A very fast process to get cash advance:
1. Use your device: a smartphone, a desktop, or a laptop.
2. Download the Online Loans Pilipinas application.
4. Select your loan amount.
5. Fill the forms in 5 minutes.
6. Wait for SMS or call for approval.
7. Get the money from 1,000-25,000 pesos to your bank account or GCash e-wallet.

11. UnionBank Online

The 11th on our list of legit 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. UnaCash

UnaCash, our 12th pick for legit loan apps in Philippines is arguably one of the fastest lending applications in the country.

UnaCash is an all-digital cash loan application that gives you a convenient and seamless experience with low interest rates. No bank visits needed, no hidden charges, and definitely no hassle application.

UnaCash loan benefits

Early repayment available
Approval time only within 24 hours
Don’t need to visit some offline office, everything only with mobile
Easy and fast repayment process
Who can apply for a loan?

In order to start using UnaCash, you need to:

Be at least 18 yrs old Filipino citizen
Have a valid e-mail address and mobile number

13. Cashalo

Cashalo, a new easy 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 to register and use the service.

It is why we have it as our 13th pick on the list of legit loan apps in Philippines for quick and emergency cash.

Cashalo key benefits

Fast Approval & Disbursement: Get your loans and credit approved in as fast as 8 minutes and funding to your bank account in as fast as 30 minutes!**

Low Interest Rates: Loan and credit should be as affordable and transparent as it is fast, easy, and secure to access.

Easy Application Process: Verify your identity and submit all the requirements in the app with at least one (1) valid ID to complete your Credit Profile.

14. Robocash

Robocash, 14th pick on our top 15 best legit loan apps in Philippines can be seen as the earliest online money loan application in the country.

It was developed by Robocash Philippines Co., Ltd., located at Level 7 Cyberpark Tower 1, 60 General Aguinaldo Ave., Cubao, Quezon City

Robocash online Loan App is a modern way of cash landing Loan app Philippines with fully automated features. Robocash loan online provides you a quick loans approval and it is the best Loan app Philippines in the market.

Robocash App provides instant personal loan. Our Fast cash app offers you loan time of only 15 minutes. For a proper access to personal loan apps you require a valid ID proof. Robocash online Loan App is a modern way of cash landing Loan app Philippines with fully automated features. Robocash loan online provides you a quick loans approval and it is the best Loan app Philippines in the market.

The loan application process is completely digital and hassle-free, even when you are sitting at your home, office, or commuting. Robocash can quickly fulfill your emergency cash needs like shopping, travel, education, medical expenses, etc.

Robocash app advantage:

0% interest-free for the first loan, High loan approval rate with Robocash Loan App
Fully automated Robocash app!
Security: Your data is safe with Robocash
Fast performance: With the robocash loan app get fully automated cash with robocash loan online! 100% Paperless loan application process, no bank visits
Only a valid id is required: Fast cash app Robocash online Loan App offers you loan time of only 15 minutes.
Maximum APR: 143%
Loan calculator: In the robocash loan app You apply for PHP 20,000 and choose repayment over 6 months, your monthly payment will be only PHP 5,000 per month, your total cost of the personal loan apps will be PHP 2,383 per month (APR = 143%).

How to apply Robocash app

Step 1: Download and install the best Loan app Philippines.
Step 2: Fill out the pre-qualification form through the robocash app.
Step 3: Visit your selected branch and submit your required documents.
Step 4: Get your approval for robocash loan online
Step 5: Receive 100% of your approved personal loan amount.

Apply Robocash now

15. Cashwagon

Cashwagon – is one of the ultimate and legit loan apps in 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%)
Amount: PHP 8,000 to PHP 40,000
*** Fees and interest rates are detailed in the Cashwagon application

For example: Ms. Cruz registered to consult online loan Cashwagon with the amount of PHP 5,000.00 with a limit of 150 days. Interest rate of 18% / year
• The amount you must pay monthly is: 1,046.00 PHP
• The amount of interest you must pay each month is: 46.00 PHP
• The total amount of interest you have to pay is: 230.00 PHP
• The total amount you pay is: 5,230.00 PHP

You will get cash the same day you apply! Your money will be deposited to your bank account today! Borrow money now!

To borrow money online all you need to do is download and install the Cashwagon App, fill out a simple application form with your details and your valid ID-card.

Do You Need Legit Loan Apps In Philippines  Or In USA Or Anywhere Globally For Quick And Emergency Cash?

Cash Advance Apps Have Changed The Dynamics of The Loan Industry Globally
Cash Advance Apps Have Changed The Dynamics of The Loan Industry Globally
In need of an instant loan or an emergency cash loan in Nigeria? You can apply through any of the top loan apps in Nigeria and get funded within few hours.

If you are in United States of America (USA), you can also apply for an emergency cash advance loan even if you have a poor or bad credit rating. If you need the top and best Apps For No Credit Check Loans Guaranteed Approval Direct Lender, CLICK HERE.

These Top 10 Best Instant Loans No Credit Checks Guaranteed Online Approval are also highly recommended.

If you are in Canada, these 10 cash advance loan apps could meet your emergency and quick cash loan request.

For instant, payday, emergency or advance cash loan if you are in Australia, CLICK HERE.

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About the Author: Femi Adeoya

Mr Femi Adeoya is a Chartered Forensic Accountant and a Certified Fraud Examiner. He has over 20 years professional work experience in accounting, finance and business management processes. As an Accounting Software Expert, he has implemented and supervised accounting solution set up of over 50 small and medium businesses in Nigeria. As a passionate blogger, Mr Adeoya is an ardent writer and communicationist. He is the CEO of QUICK LOAN ARENA (, the number 1 loan apps review website in Nigeria. He is very passionate about the quick and instant loan industry in Nigeria and has written over 200 reviews on different loan apps and digital banks in Nigeria, USA, Canada and UK.

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