Online loans is a great solution supports fast financial need within the day with a loan limit of PHP 1,000 – PHP 25,000 only with ID card, disbursed directly through a bank account after loan approval. Let’s find out the most reputable online loans applications today through the content of this article.
Summary of the most prestigious 24/24 online instant loan applications in 2021:
- Robocash (Digido) PH – The best online loans service
- MoneyCat – Loans Online 24/7
- Cashxpress – Online loans with ID Card 0% Interest Rate
- Kviku – Instant Loan Online Only ID Card
- OLP – Loan Online 24/24 with 0% Interest Rate
- Unacash – Loans Online 24/7
Note: Customers can apply for loans online at many apps to increase the disbursement rate of loan documents.
Table of Contents
- 1 What is Online loans?
- 2 What is loan app?
- 3 Advantages of online loans
- 4 Disadvantage of online loans
- 5 Online loans limit and term
- 6 How to Borrow Money Online Safely
- 7 Instruction to apply loan online
- 8 Loan online repayment instruction
- 9 Frequently asked question about online loans
- 9.1 Is Online loans Scam?
- 9.2 How To Know Which Is A Reputable Online Money Lending Application?
- 9.3 CIC Credit History Bad Debt Can I Get a Loan Online?
- 9.4 Fast Online loans What Conditions Need?
- 9.5 What is the Maximum Limit for Online loans 24/7?
- 9.6 How Long Does Online loans Take?
- 9.7 How Much Is Online loans Interest Rate?
- 9.8 Can I Apply For Multiple Loans Online loans App?
- 9.9 No Paying Online loans What to do?
- 9.10 What’s wrong with Late Payment?
- 9.11 Is Early Online loans Payment Possible?
- 9.12 Can Approved Loan Application Canceled?
- 10 Conclusion
What is Online loans?
Quick online loans is an online loans solution that only requires ID without collateral, register 100% online on smartphones under the P2P Lending model (peer-to-peer lending) supported by lenders. reputable online loans.
New online loans applications support loans with flexible limits from 1,000 to 25,000 with simple procedures, quick appraisal documents only 5-30 minutes and disbursal immediately.
To apply for an online loans, customers only need to download the application, fill in all information and update their ID to be appraised and disbursed.
What is loan app?
Borrowing apps are applications that support online loans installed on mobile phones (smartphones) by downloading from CHPlay (for phones using Android operating system) and AppStore (for phones using iOS operating system). ).
Online loans applications are often developed by loan support units in parallel with the registered version on the website.
Online loans Conditions
To be eligible to apply for a low-interest online loans, customers need to meet some of the conditions below.
- Age from 20 to 60, have ID card
- Have a stable income
- Nationwide Philippines support
Advantages of online loans
Although it has only appeared recently, the form of online loans without meeting, transferring money via bank only requires a lot of customers to register and many units participate in the lending market because of its advantages. its.

Robocash PH (DiGiDo)
Up to PHP 10 000, for each new client!
Amounts
25.000
PHP
Interest
11,9%
year
Service by trusted online loans partner
Online loans applications/websites are supported by reputable online lenders that are licensed and public about interest rates and service fees.
When applying for a quick online loans, customers are advised carefully about loan interest rates, referral fees and other fees. Once the customer agrees, the new loan is disbursed to the bank account.
Bad debt still can borrow
Can bad debt borrow money online? The answer is yes. Online loans applications are supported by lenders, not banks, so they are not affected by the CIC credit history system.
Therefore, customers with bad debt, paying attention can completely apply for a loan online by transfer at online loans applications 24/24.
Simple process
A simple process is an advantage when applying for a loan online, customers only need to prepare their ID card and the owner’s bank account to apply for a loan.
It only takes 5-15 minutes to complete the online loans application on the phone, and the customer will be assessed for a loan with a maximum limit of up to 25,000 PHP.
Many services support online loans with 0% interest
Online loans with 0% interest rate is a promotion program applied to new customers applying for a loan for the first time or customers with a good repayment history.
Customers only need to pay the principal amount and service fee if any when it is due.
Disadvantage of online loans
Besides the advantages when borrowing money online, customers should also consider some of the disadvantages below.
Online loans interest rates are higher than unsecured loans because of the characteristics of online loans that do not require proof of income, collateral and absolutely no home appraisal.
The maximum online loans limit of 25,000 PHP is still low, not enough to meet the needs of customers who need loans for business.
Online loans time ranges from 7 days to 3 months, which can become a financial pressure if customers do not prepare enough money when the payment is due.
Online loans limit and term
Online money lending applications support loans with flexible limits from 1,000 PHP – 15,000,000 PHP for a period of 7 – 90 days.
For new customers, the maximum loan limit is PHP 5,000,000 and the preferential program is 0% interest rate, free of charge.
Online loans interest rate
Online loans are supported by licensed lenders, so the applicable interest rate cannot exceed 20% per year as prescribed by law.
However, besides the loan interest rate, customers may have to pay some other fees such as service fees, brokerage fees, etc., so it is necessary to find out the service fees carefully before applying for an online loans.

Robocash PH (now DiGiDo)
Free loan up to PHP 10 000, for each new client!
- 21-70 years old
- Loan term 10-30 days
- Only need valid ID, disburse in 24h More info
Amounts
25.000
PHP
Interest
20%
year
How to Borrow Money Online Safely
Currently, there are many online loans applications that are providing online financial solutions, so customers should note some solutions to help borrow money safely below.
Search information about lender
This is the first important factor you need to keep in mind. Before applying for an online loans, it is necessary to carefully understand the services that the unit supports? Is the loan company reputable? Does it operate in accordance with the regulations of the state bank?
You can find out on the internet or call directly to the call center to ask for necessary information (procedures, conditions, loan interest rates, …) and then decide to apply for a loan.
Check out customer review
Loan apps always have a section for customers to evaluate the quality of service on the website or on CHPlay, App Store… You can refer to the reviews of customers who have used the service there to see if there is a possibility. positive or not?
Choosing the right lending service
There are many online loans applications on the market, so choosing the right lender is also very important.
You should refer to many applications to choose where the loan has the lowest interest rate and there are many preferential programs such as 0% interest rate for new customers.
Carefully review contracts
If your application is approved for a loan, before disbursing, please read the contract carefully to see if the information matches when advising you or not? The most important part is the interest rate, service fee, penalty fee or installment period.
Notes on Timely Payment
Paying off your debt on time is important because late payments can result in hefty penalties and impact on your credit history.
Instruction to apply loan online
The process of applying for a loan online is simple with just the basic steps below.
Step 1. Apply for a loan
Compare and choose the appropriate online loans app, then click the “Register Now” button to select a loan limit and start registering.
Step 2. Complete the profile
Fill out the loan application information completely including:
- Personal information such as full name, ID number, date of birth, gender ..
- Job information, company name, income
- Temporary residence address
- Reference information
- Bank account number
Step 3. Limit Approval
After receiving the loan request from the customer, the lender begins to evaluate the online application and approve the loan limit. Results are notified to customers by calling, emailing or sms.
Step 4. Disbursement
After the loan application is approved, the money will be transferred to your bank account/ATM card.
Step 5. Loan repayment
Customers pay the loan according to the provided forms and apply for a loan again if needed.
Loan online repayment instruction
In order to create the most favorable conditions for customers to pay loan contracts, online loans applications deploy many payment methods such as:
- Transfer payments
- Payment via e-wallet
- Payment at convenience stores
Bank transfer
This is the most recommended form of payment because of its high security, the lender will immediately receive your payment for the loan contract. Customers can transfer money via Internet Banking or deposit money directly at a bank branch. Customers can get the lender’s bank account number in two ways below:
Method 1: Log in to your loan account, access the loan contract payment section and select pay by transfer to get your bank account number.
Method 2: Call the switchboard number to get the account number.
E-wallet
Most of today’s online loans applications are linked with e-wallets to provide online loans payments for customers. Some of the most linked e-wallets such as Momo, Viettel Pay, Zalo Pay… To pay for a quick loan contract online via e-wallet, customers follow these steps:
- Step 1: Log in to your e-wallet.
- Step 2: Select the installment loan contract payment item and select a lender.
- Step 3: Enter Contract number or ID card
- Step 4: Check contract information, payment amount.
- Step 5: Pay the contract.
See also: Robocash – Quick Loan Online 0% Interest Disbursement 24/7
Frequently asked question about online loans
Is Online loans Scam?
In fact, online money lenders are licensed to operate and always transparently disclose interest rates and loan service fees before disbursing, so customers can be completely assured when registering. Besides, it is also necessary to pay attention to some hot money lenders, scam customers with service fees disguised as online loans.
How To Know Which Is A Reputable Online Money Lending Application?
Before deciding to apply for a loan, you need to determine if the loan application is reputable or not by some of the following criteria:
Have a clear company address
If you are a reputable financial company, your loan will be approved quickly
Product information such as interest rates, fees are public and transparent
Contract terms and conditions comply with Filipino law
Do not force customers to borrow money, only disburse when the customer’s consent is obtained
CIC Credit History Bad Debt Can I Get a Loan Online?
Bad debt customers can still borrow money online with a limit of PHP 1,000 – 25000,just need an ID card .
Fast Online loans What Conditions Need?
Quick online loans apply to customers aged 18-60, living and working in provinces across the country, having full ID and minimum income of 3,000 PHP or more.
What is the Maximum Limit for Online loans 24/7?
24/7 online loans limit from 1,000 PHP – 25,000 PHP
How Long Does Online loans Take?
The loan period is from 7 days to 90 days depending on the lender.
How Much Is Online loans Interest Rate?
Interest rates for online loans depend on the lending company but do not exceed 20%/year and may incur service fees.
Can I Apply For Multiple Loans Online loans App?
Customers can apply for a loan online through the app on many applications at the same time to increase the loan approval rate.
No Paying Online loans What to do?
When not paying online loans, customers will be called to remind them of their debt, affecting their daily life and not being able to apply for loans in other places, so they should pay their money on time.
What’s wrong with Late Payment?
When paying late, customers will be charged a late payment fee, so they should pay before the due date or extend the loan contract.
Is Early Online loans Payment Possible?
Yes, early online loans settlement helps to increase credit score and apply preferential programs for the next loan.
Can Approved Loan Application Canceled?
Yes, when the application has not been disbursed, the customer can contact the call center to cancel the loan application.
Conclusion
Borrowing money online is an urgent financial solution in a short time chosen by many customers. However, it is important to choose a reputable online money lender with transparent interest rates to avoid fraud.
The online loans applications introduced in this article are completely trustworthy, so customers can feel secure when applying for a loan. Good luck!

Robocash PH (DiGiDo)
Up to PHP 10 000, for each new client!
Amounts
25.000
PHP
Interest
11,9%
year