96% Approved
Best Choice
MoneyCat
1 000 PhP. Return
1 000 PhP. Take
0 PhP. Overpayment
First loan: Maximum amount: Loan term:
500 - 20 000 PhP 20 000 PhP 90-180 days
0.00% interest rate for new clients
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Best Choice
DiGiDo
1 000 PhP. Return
1 000 PhP. Take
0 PhP. Overpayment
First loan: Maximum amount: Loan term:
1000 - 10 000 PhP 25 000 PhP 90-180 days
0.00% interest rate for new clients
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96% Approved
Best Choice
Online Loans Pilipinas
1 000 PhP. Return
1 000 PhP. Take
0 PhP. Overpayment
First loan: Maximum amount: Loan term:
1 000 - 30 000 PhP 30 000 PhP 90 - 720 days
0.00% interest rate for new clients
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New loan
Finbro
1000 PhP. Return
1000 PhP. Take
0 PhP. Overpayment
First loan: Maximum amount: Loan term:
1000 - 50 000 PhP 50 000 PhP 30-366 days
0.00% interest rate for new clients
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New loan
BillEase
2100 PhP. Return
2000 PhP. Take
100 PhP. Overpayment
First loan: Maximum amount: Loan term:
2000 - 40 000 PhP 40 000 PhP 60-720 araw
0.01% interest rate for new clients
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Best Choice
DiGiDo
1 000 PhP. Return
1 000 PhP. Take
0 PhP. Overpayment
First loan: Maximum amount: Loan term:
1000 - 10 000 PhP 25 000 PhP 90-180 days
0.00% interest rate for new clients
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96% Approved
UnaCash CreditLine
1 000 PhP. Return
1 000 PhP. Take
0 PhP. Overpayment
First loan: Maximum amount: Loan term:
2 000 - 50 000 PhP 50 000 PhP 61-180 days
0.00% interest rate for new clients
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1 170 PhP. Return
1 000 PhP. Take
170 PhP. Overpayment
First loan: Maximum amount: Loan term:
500 - 25 000 PhP 25 000 PhP 60 - 180 days
0.16% interest rate for new clients
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New loan
Vamo
1 130 PhP. Return
1 000 PhP. Take
130 PhP. Overpayment
First loan: Maximum amount: Loan term:
1 000 - 30 000 PhP 30 000 PhP 30 days
0.43% interest rate for new clients
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96% Approved
SOSCREDIT
1002 PhP. Return
1000 PhP. Take
2 PhP. Overpayment
First loan: Maximum amount: Loan term:
1000 - 7000 PhP 20 000 PhP 62-360 days
0.00% interest rate for new clients
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New loan
Credify
1015 PhP. Return
1000 PhP. Take
15 PhP. Overpayment
First loan: Maximum amount: Loan term:
1000 - 20 000 PhP 20 000 PhP 62-360 days
0.11% interest rate for new clients
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Where can I get a loan without collateral and guarantors: the best microfinance organizations in the Philippines

If you need a loan for a micro business, or you need to take a loan without commission for a short period, or you need a loan with a bad credit history, then you need to use the services of microfinance organizations (MFIs).

What are the conveniences of obtaining a loan without collateral and guarantors, and why microcredits are not competitors to banks:

  • Loans are available 24/7.
  • Payment in cash or online to a bank card.
  • Small amounts, usually up to 20,000 PHP and not a long term up to 30 days.
  • Without collateral and guarantors.
  • Can be taken with bad or no credit history.
  • It is possible to whiten a damaged credit history with small loans with timely repayment.
  • The minimum package of documents: passport and TIN.
  • Loans can be issued quickly, in 10-20 minutes.

That is, MFIs provide round-the-clock access to money for both entrepreneurs and individuals from anywhere in the world. Now, in many cases, MFIs process applications automatically without human intervention, this is achieved by scanning credit history from credit bureaus and analyzing the entered documents. This process is carried out by scoring programs.

The scoring program in the MFI is an automatic check, according to the data entered by the borrower, of his scores, and when the minimum allowable score is reached, the loan application is approved. Conditional scores are calculated according to the data filled in by the borrower in the application.

The mathematical algorithm of this program is different for each MFI, so if in one case an application can be rejected, then in another MFI it can be successfully approved.

How to get a credit card loan without collateral and guarantors

In order to get a loan without collateral and without guarantors, you need on our MoneyTochka website:

  1. Select loan offers, this can be done in the catalog by selecting filters.
  2. Next, choose the amount and term, submit an application to 4-5 MFIs.
  3. Each of the MFIs will respond to your application.
  4. We add those MFIs that approved the loan to the comparison, check for each indicator and make a decision on the most suitable loan.
  5. Click the button "Take an interest-free loan online", enter your data.
  6. We pass verification in your personal account.
  7. Add a bank card and get money on it.

In microfinance organizations, you do not need to enter data on guarantors and collateral, so all you need to do is fill out and submit applications correctly.

How to get a cash loan without collateral and guarantors

The procedure for obtaining a cash loan at an MFI is not particularly different either in time or in the applications to be filled out - you can get a loan without a call from the operator very easily. The only difference is that the loan consultant does this for you, and at that moment you are in the branch of this MFI.

An important point - not all MFIs issue a loan in cash. Specify this information with a consultant even before visiting the branch or select it by the “Cash loan” parameter in the filter in the catalog of all offers on our website.

It will take only 10 seconds for us to send your application to 8 financial institutions in the Philippines

A single online loan application for all financial institutions in the country. Fill in a short form of a single online loan application in a minute. For free, we will select suitable partners, who are ready to issue a loan to you, and we will send them your data for consideration. You will get approval and money from one or several companies today!

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