Top 10+ Legit Loan Apps With Low Interest (May 2025)
In 2025, the Philippines has seen a rise in the popularity of online loan apps that offer low-interest rates. These apps provide convenient and accessible loan options to Filipinos, allowing them to meet their financial needs quickly and efficiently. This article will discuss some of the best online loan apps available in the Philippines in 2025, highlighting their interest rates, maximum loan amounts, and other essential factors to consider when choosing a loan app.
| App | Publisher | Mr.Cash Loan |
| GCash — Buy Load, Pay Bills, Send Money | Mynt — Globe Fintech Innovations | APPLY NOW |
| PayPal – Send, Shop, Manage | PayPal Mobile | APPLY NOW |
| PalawanPay | PPS-PEPP Financial Services Corporation | APPLY NOW |
| Maya–Your all-in-one money app | PayMaya Philippines, Inc. | APPLY NOW |
| My Home Credit Philippines | Home Credit Philippines | APPLY NOW |
| Tala — Fast Online Cash Loan | Tala Mobile | APPLY NOW |
| BillEase — Buy Now, Pay Later. Easy Shopping Utang | First Digital Finance Corporation | APPLY NOW |
| Digido Philippines online loan | Digido Finance Corp. | APPLY NOW |
| BPI Mobile | BANK OF THE PHILIPPINE ISLANDS (BPI) | APPLY NOW |
| LANDBANK Mobile Banking | LAND BANK OF THE PHILIPPINES | APPLY NOW |
| Moneycat | Moneycat Financing Inc. | APPLY NOW |
| UnionBank Online | Union Bank of the Philippines | APPLY NOW |
| PesoBuffet – fast cash loan | PesoBuffet by Copperstone | APPLY NOW |
| MocaMoca – Safe and fast loan | Copperstone Lending Inc. | APPLY NOW |
| PeraMoo-online peso cash | PERAMOO FOR MAGICIAN | APPLY NOW |
| OKPeso – Safe Online Loan App | Codeblock Lending Inc. | APPLY NOW |
| Tonik Digital Bank | Tonik | APPLY NOW |
| Pera Bag – Loan with Integrity | Got-IT Lending Inc. | APPLY NOW |
| JuanHand-online cash loan App | Wefund Lending corp | APPLY NOW |
| PesoQ – Reliable Online Loan | U-PESO LENDING INVESTORS CORP. | APPLY NOW |
| PinoyLend-Insta Peso Cash Loan | Philippines Consumer Lending Corporation | APPLY NOW |
| Ipeso – Online Loan by yours | LINK CREDIT LENDING INVESTORS INC | APPLY NOW |
| BDO Personal Banking | BDO Unibank, Inc. | APPLY NOW |
| Pautang Peso-Safe Online Loans | LHL ONLINE LENDING, INC | APPLY NOW |
| Metrobank Mobile Banking | Metropolitan Bank & Trust Company (METROBANK) | APPLY NOW |
1. Tala
Tala is a prominent global lending platform that has gained significant traction in the Philippines. Through its user-friendly mobile app, Tala offers loans to Filipinos with varying credit histories. The interest rates on Tala loans range from 0% to 36% per annum, depending on the borrower’s creditworthiness. Tala provides an excellent option for individuals looking for competitive interest rates and flexible loan terms.
2. Juan Hand
Juan Hand is another popular online loan app in the Philippines that offers competitive interest rates and convenient loan options. With interest rates ranging from 0% to 36% per annum, Juan Hand caters to a wide range of borrowers. The maximum loan amount available through Juan Hand is PHP 25,000, making it suitable for individuals seeking smaller loan amounts.
3. OLP
OLP, a relatively new online loan app, specializes in providing loans to Filipinos with low credit scores. This app recognizes the financial challenges faced by individuals with limited creditworthiness and aims to support them with accessible loan options. OLP loans carry interest rates of 0% to 36% per annum, with a maximum loan amount of PHP 15,000. OLP serves as a valuable resource for individuals working on improving their credit scores.
4. Cashalo
Cashalo stands as one of the most popular and widely used online loan apps in the Philippines. It offers loans for various purposes and caters to the diverse needs of borrowers. With interest rates ranging from 0% to 36% per annum, Cashalo ensures competitive loan options. Borrowers can access a maximum loan amount of PHP 30,000 through Cashalo, providing them with flexibility and convenience.
5. Tonik
Tonik is a newcomer in the online loan app market in the Philippines. Targeting individuals with low credit scores, Tonik strives to provide inclusive financial solutions. Tonik loans come with interest rates ranging from 0% to 36% per annum, ensuring affordability for borrowers. The maximum loan amount available through Tonik is PHP 20,000, making it a suitable choice for individuals seeking smaller loans.
Factors to Consider When Choosing an Online Loan App
When selecting an online loan app, it is crucial to consider the following factors to make an informed decision that aligns with your financial requirements.
- Interest Rate: The interest rate is a critical factor to consider when choosing an online loan app. It directly affects the cost of borrowing and influences your overall loan repayment. Before applying for a loan, compare the interest rates offered by different loan apps to secure the most favorable terms.
- Loan Amount: Ensure that the online loan app you choose offers a loan amount sufficient to meet your financial needs. Different loan apps have varying maximum loan amounts, so it is important to select one that aligns with your requirements.
- Repayment Period: The repayment period refers to the duration within which you must repay the loan. It is essential to choose an online loan app that offers a repayment period you can comfortably manage. Carefully consider the app’s terms and conditions regarding repayment periods to ensure they fit your financial situation.
- Fees: Some online loan apps charge fees for their services, including application fees or processing fees. Before finalizing your loan application, compare the fee structures of different loan apps to avoid any unexpected or excessive charges.
- Comparing Loan Apps: To facilitate the comparison process, utilize online comparison tools that allow you to assess various aspects of different loan apps. These tools enable you to compare interest rates, loan amounts, repayment periods, and fees, helping you make an informed decision that suits your financial needs.
In conclusion, the online loan app market in the Philippines offers several options with low-interest rates in 2025. Consider factors such as interest rates, loan amounts, repayment periods, and fees when choosing the right loan app for your financial needs. By conducting thorough research and utilizing comparison tools, you can make an informed decision that enables you to access convenient and affordable loan options in the Philippines.
7+ Fast Loans Online in the Philippines - First 0% loan in 15 minutes
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Finbro Loan – Instant Online Loans up to 15 000 in Philippines
- Address: Unit 1405, East Tower, Philippine Stock Exchange Centre, Exchange Road, Ortigas Center, Pasig City
- Phone number: 0 9690 47 14 19
- E-mail: [email protected]
- Max APR: 180%
- Term: 90 days – 1 year
- Age: 20 up to 70
Cost example: Loan of 1000 ₱ for 12 months, monthly payment 95.83 ₱, total amount 1150 ₱, annual percentage rate APR 180%.
CashXpress – Cash loan with low interest and instant approval in 15 minutes
CashXpress South East Asia Lending Inc is a lawful online lending firm that is authorized to operate as a lending company in the Philippines as of June 20, 2019. The company is compliant with the “Truth in Lending Act” and is listed in the SEC. CashXpress offers loans ranging from P1,000 to P20,000, with the first loan having a 7-day term and zero interest rate. The subsequent loans can be re-loaned for up to 30 days.
For borrowers with a good repayment history, CashXpress automatically increases their credit limit. The credit line is determined based on the borrower’s previous loan repayments. Although the interest rate of CashXpress is 5.0% per month according to SEC, it varies depending on the loan amount and term. The exact interest rate can be calculated using the built-in calculator on the CashXpress login page.
Cashxpress.ph – CASHXPRESS SOUTH EAST ASIA LENDING INC.
Company Registration No. CS201951088 and Certificate of Authority No. 2918 granted by the SECURITIES AND EXCHANGE COMMISSION on 20th June 2019.
- Address: Level 10-1 One Global Place 25th Street Cor. 5th Avenue, Fort Bonifacio, Taguig City
- Phone number: (632) 7902 73 90
- E-mail: [email protected]
- Max APR: 145%
- Term: 90 days – 1 year
- Age: 21 up to 70
Cost example: Loan of 2400 ₱ for 3 months, monthly payment 870 ₱, total amount 2610 ₱, annual percentage rate APR 145%.
Digido – Online Loans up to 10000
You can apply for a loan 24 hours a day, seven days a week in the Philippines. Loans online with Digido are fast and reliable to meet some needs. Apply Online. Download App. Highlights: App Available, Providing Fully Automated Service.
digido.ph – DIGIDO FINANCE CORP.
- Address: UNIT 2/C, Murphy Center, 187 Bonny Serrano Road, Socorro, QUEZON CITY SECOND DISTRICT, NCR, Philippines 1109
- Phone number: (02) 8876-84-84
- Max APR: 143%
- Term: 90 – 180 days
- Age: 21 – 70
- Cost example: You apply for PHP 20000₱ and choose repayment over 6 months, your monthly payment will be only 5000₱ per month, your total cost of the loan will be 2,383₱ per month (APR = 143%)