Compare salary loans from banks, digital lenders, and government programs. Real APR, minimum salary requirements, and approval times — all in one place.
Always check these first — SSS, Pag-IBIG, and GSIS offer the cheapest rates available to employed Filipinos
Pro tip: SSS and Pag-IBIG loans are deducted from your salary automatically — no bank account needed. Apply online at my.sss.gov.ph or www.pagibigfund.gov.ph.
Ranked by APR — for when you need more than government loans offer
Prepare these before applying to any salary loan — having them ready speeds up approval significantly
Step-by-step guide to getting your salary loan approved fast
Log in to my.sss.gov.ph or pagibigfund.gov.ph. If eligible, apply there — rates are 6-10.5% vs 18-36% for private lenders.
Use the comparison table above. Focus on APR (not monthly rate), maximum loan amount, and minimum salary requirement.
Get your CoE, payslips, and valid ID ready. Request your CoE from HR at least 3 days before applying.
Most lenders now have 100% online applications. Upload documents, fill the form, and submit. No branch visit needed for digital lenders.
Digital lenders: 1-3 days. Banks: 5-7 days. Government: 3-5 days online. You'll receive an SMS or email notification.
Funds are disbursed to your bank account or e-wallet. Set up auto-debit to avoid missing payments and protect your credit score.
Full table sorted by safety score
| App | Safety Score | Max Loan | APR | Approval Speed | Payslip Required | Min Salary | SEC | Apply |
|---|---|---|---|---|---|---|---|---|
| Tonik Bank | 81 | ₱250,000 | 26.4% | 1-3 Days | Required | Varies | ✓ | Apply |
| UnionBank Quick | 78 | ₱500,000 | 22% | 1-3 Days | Required | Varies | ✓ | Apply |
| CIMB REVI | 76 | ₱1,000,000 | 24% | Same Day | Required | Varies | ✓ | Apply |
| Maya GLoan | 74 | ₱125,000 | 29.2% | Instant | Not needed | Varies | ✓ | Apply |
| BillEase | 72 | ₱40,000 | 36% | Same Day | Not needed | Varies | ✓ | Apply |
| GCash GLoan | 68 | ₱125,000 | 32.8% | Instant | Not needed | Varies | ✓ | Apply |
| Cashalo | 65 | ₱7,000 | 43.2% | Same Day | Not needed | Varies | ✓ | Apply |
| Tala Philippines | 71 | ₱15,000 | 15% | Instant | Not needed | Varies | ✓ | Apply |
| RFC (Radiowealth) | 75 | ₱100,000 | 28.8% | 1-3 Days | Required | Varies | ✓ | Apply |
| RCBC Personal Loan | 79 | ₱1,000,000 | 18.6% | 3-5 Days | Required | Varies | ✓ | Apply |
Everything about salary loans in the Philippines
See real APR, safety scores, and hidden fees for all 10+ loan apps before you apply.