Compare online loans in the Philippines

Compare online loans in the Philippines

Finpanda brings together loan offers so you can compare the information shown and visit each provider's website. An online loan is applied for through a website or app; that does not make it automatically cheaper or easier to qualify for. The provider assesses your application and confirms the terms. Finpanda does not approve loans or guarantee funding.

Check the full cost before applying

Ask for the amount you will actually receive, the repayment schedule, all fees and the effective interest rate (EIR). The Bangko Sentral ng Pilipinas explains how EIR helps compare borrowing costs and provides a loan calculator. Use the provider's figures; an illustration is not your final loan offer.

• Cash received: check whether fees are deducted before disbursement.
• Total repayment: add the scheduled payments and any separately payable charges.
• Timing: confirm each due date and whether repayment is weekly, monthly or in one payment.
• Other conditions: ask about late charges, extensions and early repayment.

A simple peso example

Illustration only: a loan labelled ₱5,000 may deliver ₱4,500 if a ₱500 fee is deducted. If you then repay ₱5,500 after 30 days, the difference between the cash received and the repayment is ₱1,000. This is not an EIR calculation or an offer from a listed provider. It shows why the advertised loan amount alone is insufficient.

Check who is offering the loan

Identify the company behind the website or app. For lending and financing companies, check the Securities and Exchange Commission's current information and advisories. A familiar app name or a place in a comparison list does not establish its current regulatory status. Check the exact company and platform before sharing personal information.

How to use this comparison

1. Review the providers and terms displayed on this page.
2. Open the provider's website and confirm the current amount, term, fees and eligibility requirements.
3. Review the disclosure and repayment schedule before accepting an offer.
4. Submit any application directly through the provider's process and wait for its decision.

A blank field in the comparison is missing information, not a zero fee. Request anything you need to understand the total cost before proceeding.

Common questions

Is approval guaranteed?

No. The lender makes that decision. An advertised maximum amount is not a promise of the amount you will qualify for.

Is there one minimum income or document list?

No single threshold is established by this comparison. Check each provider's requirements; income and document requirements can differ between products.

Will the money arrive immediately?

Do not assume that it will. Application, assessment and disbursement are separate steps. Confirm the expected timing with the provider and do not rely on a transfer until it has arrived.

For another starting point, explore personal loans in the Philippines. The final terms are those in the provider's offer and agreement.