Given certain economic factors, relying on reputable lenders offering online loans with monthly payments. Philippines might become a prudent choice, particularly if you’re employed and seeking financial assistance. Online loans with monthly payments Philippines are progressively supplanting the cumbersome conventional bank loans in the country
Numerous companies have emerged, providing online loans, many of which do not require extensive documentation, collateral, or guarantors. This piece will delve into the realm of online loans with monthly payment plans in the Philippines, sparing you the need to scour the internet in search of such options.
Fastest Online Loans With Monthly Payments Philippines 2025
The best companies and platforms offering online loans with monthly payments Philippines are Pera247, Lezada Loan, Plentina, Flexi, Billease PH and GCredit. These loan apps are the fastest in Philippines, offering users convenient interest rates, competitive repayment plans and are available online 24/7.
1. MoneyCat App
One of the best online loans with monthly payments Philippines is offered by MoneyCat platform, which is a financial and technical lendong application 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. MoneyCat 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.
2. Pera247
Pera247 stands as one of the most trusted online loans with monthly payments Philippines offering juicy repayment options, catering to your diverse financial requirements. For newcomers, the platform extends loans ranging from Php1000 to Php3000, while well-established members can access up to Php30,000 in segmented payments. The platform applies a monthly interest rate of 8.6%.
To initiate the Pera247 application process, you need to download their app and furnish the necessary details. This includes uploading a valid government-issued identification and your most recent selfie. Upon approval, your account will be promptly credited.
3. Lezada Loan
Lazada Loan presents a convenient loan facility providing cash that can be utilized for transactions with Lazada’s authorized affiliates, including Paylater, Cashalo, JuanHand, TendoPay, BillEase, UnaPay, and Invested.
To initiate the application process for a Lazada Loan, you’ll need to furnish your government-issued identification, most recent payslip, and proof of billing. An appealing aspect is that the Lazada loan app allows you to make purchases across the entire Lazada platform. The monthly interest rates span from 0% to 8%.
4. Plentina
Plentina stands as another option for online loans with monthly payments Philippines. Through Plentina, you have the opportunity to secure a cash loan that can be used to acquire products through its affiliations with Smart and 7-11.
Leveraging your credit score with Plentina enables you to make cashless transactions on 7-11’s CLIQQ app and facilitates purchases of various goods, including loads and other items, from Smart and PLDT.
Plentina’s fee structure includes a monthly service charge ranging from 4.5% to 9.5%. To apply, you will need to provide your personal details, mobile phone number, and a government-issued identification.
5. Flexi
Flexi presents a convenient option for online cash loans presents a convenient option for online cash loans that are structured as installments. These loans can be utilized for purchases at their partnered merchants. The repayment process involves manageable monthly installments, eliminating the need for a credit card. The applicable monthly interest rate is 10%, though this might vary based on your credit score.
Accessing the services of Flexi requires you to be a customer of Flexi finance, and it’s exclusively accessible through SMS invitations to specific recipients. Currently, Flexi operates within Cebu City.
To be eligible, you need to have been employed for a minimum of three months, possess Filipino citizenship with an age of at least 18 years, and have two valid forms of identification.
6. Billease PH
Billease PH is a trusted app that provides online loans with monthly payments Philippines from 30 days to 12 months. Through this platform, you can access immediate credit of up to ₱40,000, allowing you to make a wide range of online purchases, from clothing and gadgets to appliances.
Furthermore, the Billease.PH app enables you to conveniently settle your bills. The monthly interest rate is 3.49%. To begin the application process for a loan on Billease, you need a stable source of income, must be at least 18 years old, and should possess the latest proof of income, a valid ID, and proof of billing.
7. GCredit
GCredit stands out as a premier loan option in the Philippines, offering convenient monthly payments. Through GCredit, you can secure a loan of up to ₱30,000. This platform enables you to make transactions using your GCash account, even if your balance is currently at zero. This feature proves invaluable when urgent bills or essential purchases need to be addressed promptly.
To access GCredit loans, you must be a GCash user with a commendable GScores status and complete verification. The interest rates range between 5% and 7% per month, contingent on your GScore rating. It’s our last pick on our top 6 apps that provides online loans with monthly payments Philippines.
