Whether you need ₱5,000 today or ₱500,000 for a major expense — this is the complete guide to loans in the Philippines. We compare personal loans, salary loans, emergency loans, OFW loans, and loan apps by real APR, risk score, and SEC registration status. No hidden fees. No misleading rates.
SEC Warning: Over 200 lending apps in the Philippines are operating illegally. Always verify at sec.gov.ph before applying. See our SEC Blacklist page.
Choose the loan category that matches your situation.
Unsecured cash loans from banks and apps
APR: 18–43%Based on your monthly salary, fast approval
APR: 24–36%Same-day or instant cash for urgent needs
APR: 29–43%Designed for overseas Filipino workers
APR: 18–30%No property or asset required as security
APR: 22–40%Approve without employment documents
APR: 29–43%Ranked by ClearLoan PH Risk Score (100 = safest)
GCash GLoan and Maya GLoan are the easiest — no payslip, no bank account, instant approval. However, they carry higher APRs (29–33%). For larger amounts with better rates, Tonik Bank and CIMB REVI are the safest options.
Loan limits range from ₱1,000 (Tala, Cashalo) up to ₱1,000,000 (CIMB REVI). Most instant apps cap at ₱50,000–₱125,000. Bank-backed apps like Tonik and UnionBank offer up to ₱250,000–₱500,000.
Minimum: 1 valid government ID. For higher amounts: payslip, COE (Certificate of Employment), bank statements. No-payslip apps only require a valid ID and active mobile number.
Yes — if the lender is SEC-registered. Always verify at sec.gov.ph before applying. Avoid apps that ask for your full ATM PIN, charge upfront fees before releasing funds, or are not listed in the SEC registry.