Loan Apps Philippines
Best Loan Apps in the Philippines 2025
We tested and compared all major lending apps available in the Philippines. Here are the top picks ranked by interest rate, approval speed, and user trust.
Quick Comparison Table
| Lender | Loan Amount | Interest Rate | Term | Approval | Rating |
|---|---|---|---|---|---|
1  Kviku Best Rate | ₱1 500–₱25 000 | 0.16% per day | 1–180 days | 10–15 minutes | 4.6 |
2  PitaCash | ₱1 000–₱25 000 | Max 27% per year | 15–30 days | 15–30 minutes | 4.4 |
3  Cashalo | Up to ₱11 000 | 0.2% per day (max 0.5% EIR) | 61–180 days | Within the day | 4.3 |
4  MoneyCat | ₱500–₱20 000 | 11.9% per month | 3–6 months | 30 minutes | 4.2 |
5  Crezu | ₱1 000–₱50 000 | Depends on lender | 1–24 months | Instant matching | 4.5 |
Detailed Reviews
BEST CHOICE
#1
Kviku
4.6(3 241)
SEC
Loan Amount
₱1 500–₱25 000
Interest
0.16% per day
Term
1–180 days
Approval: 10–15 minutes
- Pinakamababang interest rate (0.16%/day)
- Hanggang ₱25,000 loan
- Age limit 20–55 only
Age 20–55 · Philippines only
#2
PitaCash
4.4(2 187)
SEC
Loan Amount
₱1 000–₱25 000
Interest
Max 27% per year
Term
15–30 days
Approval: 15–30 minutes
- Walang hidden charges
- Wide age range (21–70)
- Android app lang
Age 21–70 · Philippines only
#3
Cashalo
4.3(8 932)
SEC
Loan Amount
Up to ₱11 000
Interest
0.2% per day (max 0.5% EIR)
Term
61–180 days
Approval: Within the day
- Pinakasikat na loan app sa PH
- Flexible repayment (61–180 days)
- Age limit 24–36 lang
Age 24–36 · Philippines only
#4
MoneyCat
4.2(1 654)
SEC
Loan Amount
₱500–₱20 000
Interest
11.9% per month
Term
3–6 months
Approval: 30 minutes
- Pinakamababang minimum (₱500)
- Longer terms (3–6 months)
- 11.9% monthly interest — medyo mataas
Age 22–60 · Philippines only
#5
Crezu
4.5(5 102)
SEC
Loan Amount
₱1 000–₱50 000
Interest
Depends on lender
Term
1–24 months
Approval: Instant matching
- Loan aggregator — maraming pagpipilian
- Single application, multiple offers
- Hindi direct lender
Age 18–70 · Philippines only
FAQ — Loan Apps Philippines
What is the best loan app in the Philippines 2025?
Based on interest rates, approval speed, and user reviews, Kviku ranks #1 with 0.16% daily rate and 10-minute approval. PitaCash and Cashalo are also highly rated.
Which loan apps are available on Android in the Philippines?
Cashalo and PitaCash have dedicated Android apps. Kviku, MoneyCat, and Crezu work via mobile browser — no app download needed.
Can I borrow money instantly from a loan app?
Yes. Kviku approves loans in 10–15 minutes. PitaCash in 15–30 minutes. Crezu instantly matches you with multiple lenders.