Bad Credit History Loans Cebu City
Loans:
- Online Loans Pilipinas
- Digido
- Cash Express
- UnionBank Of The Philippines
- JuanHand
- Crezu
- Finbro
- Kviku
- Metrobank
- Money Cat
- Binixo
In Cebu City, individuals often find themselves in need of financial assistance for various reasons, including unexpected medical expenses, tuition fees, or home repairs. Many residents face challenges related to a poor credit history, which can restrict their access to traditional loan options. As a result, bad credit history loans have emerged as a viable solution for individuals looking to rebuild their financial standing while addressing immediate cash flow needs. With loan amounts typically ranging from PHP 2,000 to PHP 20,000 and repayment terms between 7 and 30 days, these loans provide accessible funding for everyday expenses.
Online loans have gained immense popularity in Cebu City, primarily due to their convenience and speed. Borrowers can apply from the comfort of their homes, with a user-friendly online application that allows for quick processing and approval, often within just one to two business days. Many lending platforms also offer the option of creating an online account, where borrowers can manage their loans efficiently, track repayments, and access promotional codes for reduced interest rates on future loans. This streamlined process makes it easier for residents to secure the funds they need for emergencies, educational purposes, or personal projects without the hassle of traditional banking.
Online Loans Pilipinas
Online Loans Pilipinas is your trusted partner for quick financial solutions in Cebu City, offering a seamless experience for Filipinos in need of immediate cash assistance. Our mission is to provide accessible and reliable financial support with a commitment to efficiency and customer satisfaction. We cater to borrowers aged 22 to 70, allowing loan amounts ranging from 2,000 to 20,000 PHP, with competitive interest rates set at just 1% per day for terms of 7 to 30 days.
What sets us apart is our user-friendly online platform that enables fast approvals—typically within 1 to 2 working days—and a straightforward application process that requires no collateral beyond a valid ID and a bank account. Moreover, first-time borrowers can take advantage of special promotions, including interest-free loans for amounts up to 7,000 PHP. With our secure service, 24/7 customer support, and compliance with SEC regulations, Online Loans Pilipinas is dedicated to providing a trustworthy and hassle-free financial experience to residents of Cebu City.
1 per day% on the first credit
AMOUNT
1000 - 20000 PHP
CAT
1 per day%
TERM
62 - 365
Digido
Digido Finance Corporation is a reputable lending service in the Philippines, designed to provide individuals in Cebu City with quick and accessible financial solutions. With a mission to enhance the credit services for Filipinos, Digido offers a transparent online platform for personal borrowing, allowing customers to secure amounts ranging from PHP 1,000 to PHP 25,000 without the need for collateral, and with a loan duration of 30 to 180 days. Notably, new customers can enjoy their first loan interest-free for up to seven days, making it an excellent choice for those in need of immediate financial assistance.
The company's hassle-free application process, where approvals are typically completed within one business day, combined with a competitive daily interest rate of just 0.49%, ensures a swift and user-friendly experience. Furthermore, Digido is fully registered with the SEC, providing peace of mind that it operates within the legal framework, while offering a variety of convenient repayment options including popular online platforms like GCash. Whether for emergency expenses or planned purchases, Digido stands out as a reliable partner for those seeking fast personal financial support in Cebu City.
Cash Express
Cash-Express Philippines Financing Inc. is a trusted online lending platform dedicated to providing Filipinos in Cebu City with quick and secure financial solutions. With a mission to simplify access to credit, Cash-Express allows clients to apply for funds ranging from PHP 1,000 to PHP 20,000 without the need for collateral, delivering money directly to their bank accounts within 24 hours. The user-friendly interface and transparent application process eliminate the hassle of in-person visits to traditional banks, ensuring a fast and convenient experience.
Clients can benefit from competitive interest rates starting at just 1% per day and flexible loan terms of 7 to 30 days, with a special offer of 0% interest on the first loan for a 7-day period. What sets Cash-Express apart is its reliable service backed by SEC registration, ensuring compliance with Philippine regulations, along with exceptional customer support. This combination of accessibility, speed, and a supportive framework positions Cash-Express as an appealing option for those in need of immediate financial assistance in Cebu City.
UnionBank Of The Philippines
UnionBank of the Philippines, one of the largest and most trusted banks in the country, offers a reliable solution for those seeking financial support in Cebu City. Committed to innovation and customer satisfaction, UnionBank’s mission is to empower individuals through accessible digital banking services, ensuring a smooth and convenient experience for all clients. The bank provides a minimum loan amount of PHP 500,000 up to a maximum of PHP 50,000,000, with flexible repayment terms ranging from 1 to 20 years, making it an ideal choice for a wide array of financial needs.
Eligible borrowers must be between 21 to 65 years of age with a minimum annual income of PHP 600,000 and have a good credit standing. Key advantages of choosing UnionBank include its straightforward application process, competitive interest rates, and the security of transactions bolstered by advanced technology, ensuring that customers' data is well-protected. Additionally, UnionBank’s commitment to enhancing user experience through digital platforms allows clients to manage their finances effortlessly, making it the go-to bank for those looking to make impactful financial decisions in Cebu City.
3.94% on the first credit
AMOUNT
500000 - 50000000 PHP
CAT
3.94%
TERM
62 - 365
JuanHand
JuanHand is a leading online cash lending platform based in Cebu City, Philippines, dedicated to providing quick and accessible financial solutions to Filipinos in need. Established in 2019 by WeFund Lending Corp, a subsidiary of the reputable Chinese fintech company Paipaidai, JuanHand's mission is to support individuals facing financial challenges through efficient service and innovative technology. The platform allows for loans ranging from ₱2,000 to ₱12,000 with flexible repayment terms of 14 to 90 days and a competitive interest rate of just 0.49% per day.
With an approval duration of only 24 hours, JuanHand excels in providing a hassle-free application process available 24/7, ensuring that help is always at hand. Customers benefit from no collateral requirements, seamless application through a user-friendly mobile app, and multiple repayment options, including online channels like GCash and Coins.ph. As a registered and compliant entity with the Securities and Exchange Commission (SEC), JuanHand is committed to transparency and customer care, making it a trustworthy choice for those seeking financial assistance in Cebu City.
Crezu
Crezu is a free online platform dedicated to streamlining the process of securing suitable personal financing in Cebu City and across the Philippines. Our mission is to connect borrowers with licensed lenders who meet their individual needs and eligibility, facilitating quick access to funds without the burden of hidden fees. At Crezu, borrowers can apply for amounts ranging from 1,000 to 50,000 pesos, with an interest rate starting at just 1% per day and flexible loan tenures ranging from 91 to 365 days.
We take pride in offering a user-friendly interface that makes it easy to compare and choose from various loan offers, including enticing options like a 0% interest rate for first-time customers. With no collateral required and funds directly transferred to your bank account, our platform ensures a hassle-free experience from application to approval, often within a single day. By utilizing Crezu, you'll benefit from transparent processes and a commitment to customer satisfaction, allowing you to focus on achieving your financial goals efficiently.
Finbro
Finbro, operated by Sofi Lending Inc., is a reliable online lending platform in Cebu City that is designed to provide swift financial solutions for Filipinos. Our mission is to offer transparent and accessible financial support, enabling individuals to secure personal cash assistance ranging from ₱1,000 to ₱50,000, with flexible repayment terms of up to 12 months. The application process is entirely online, ensuring a hassle-free experience that allows users to apply anytime, anywhere. With competitive interest rates starting at just 1.12% per day, approval is quick—typically within 24 hours—allowing you to access funds for any purpose without the need for collateral.
What sets Finbro apart is our user-friendly interface and dedicated customer support, which ensure a seamless and responsive borrowing experience. Our platform is also fully compliant with local regulations, available for verification through the Securities and Exchange Commission, so you can trust our services to be legitimate and secure. At Finbro, we are committed to providing dependable financial solutions tailored to your needs.
Kviku
Kviku is a licensed online lending platform in the Philippines, offering a fast and efficient way to access funds for various needs right from Cebu City. With a mission to provide accessible financial services, Kviku allows users to apply for amounts ranging from 1,000 to 25,000 PHP with flexible repayment periods of 60 to 180 days. The process is entirely online, ensuring that applicants can secure approval within just 24 hours without the need for collateral, making it particularly convenient for Filipinos with urgent cash requirements.
Not only does Kviku boast a competitive daily interest rate of just 0.16%, but it also emphasizes transparency with no hidden fees. This innovative service leverages mobile security technology and big data for objective decision-making, enhancing user trust and satisfaction. By simplifying the application and approval processes, Kviku stands out as a reliable choice for personal financing in Cebu City, providing quick access to cash whenever needed.
Metrobank
Metrobank, formally known as Metropolitan Bank and Trust Company, stands as one of the foremost banking institutions in the Philippines, renowned for its commitment to providing a wide array of financial services to clients, including those seeking loans in Cebu City. The company's mission revolves around ensuring customer satisfaction through innovative financial solutions and exceptional service. With the Metrobank Home Loan, borrowers can access amounts ranging from a minimum of PHP 500,000 to a maximum of PHP 100,000,000, with flexible tenures available between 1 to 25 years.
This flexibility, combined with competitive fixed interest rates starting at 7.00% over the first year, makes Metrobank a desirable choice for many. Moreover, the bank's longstanding reputation for stability, extensive branch network, and commitment to customer convenience—highlighted by its user-friendly banking app—underscore its advantages. Clients can be assured of tailored services, responsiveness to their financial needs, and a reliable partner in their financial journey, all of which contribute to the overall appeal of choosing Metrobank in Cebu City.
7.00% on the first credit
AMOUNT
500000 - 100000000 PHP
CAT
7.00%
TERM
62 - 365
Money Cat
MoneyCat Financing Inc. is a prominent online lending platform in the Philippines, dedicated to providing fast and flexible financial solutions for those seeking assistance in Cebu City. With a commitment to empowering individuals with easy access to funds, MoneyCat offers personal cash loans ranging from PHP 500 to PHP 20,000, allowing borrowers to meet their various financial needs without the requirement of collateral. The application process is straightforward and can be completed online within minutes, ensuring approval within 24 hours.
The company's mission is to deliver a user-friendly, hassle-free experience, supporting its customers with competitive interest rates of just 0.39% per day and repayment terms of up to 180 days. MoneyCat is a licensed financing company regulated by the Securities and Exchange Commission, assuring borrowers of its legitimacy and compliance with all Philippine laws. Key advantages include the absence of application processing fees, a promotional offer that allows first-time borrowers to access loans with zero interest, and a reliable customer support service. With MoneyCat, you can quickly unlock the financial assistance you need, all from the convenience of your smartphone or computer.
Binixo
Binixo is a leading online financial service in Cebu City, designed to provide quick access to cash for individuals facing urgent financial needs. With a mission to simplify borrowing, Binixo offers a minimum loan amount of PHP 2,000 and a maximum of PHP 30,000, catering to a diverse audience with varying financial requirements. Customers benefit from an attractive interest rate of just 1% per day and a flexible repayment period ranging from 7 to 30 days, allowing for easy management of finances. The application process is streamlined and completed entirely online, eliminating the need for extensive paperwork or in-person visits, thus ensuring a swift approval within 1-2 working days.
Additional advantages include the absence of collateral requirements and a user-friendly mobile application that ensures access on-the-go. Safety is prioritized through innovative security systems that protect personal information, making Binixo a trusted choice for those seeking financial solutions in Cebu City. Whether you need money to bridge the gap before payday or to seize an opportunity, Binixo stands ready to assist with a hassle-free experience.
Loan Comparison
| Name of the service | Minimum amount of the first loan | Maximum amount of the first loan | Additional cost of the first loan |
| Development Bank of the Philippines | 300000 PHP | 300000 PHP | 9 |
| Warm Cash Lending Corp | 2000 PHP | 20000 PHP | 0.06 |
| Mr. Cash | 1500 PHP | 30000 PHP | 1 per day |
| Pesohere | 3600 PHP | 10000 PHP | 0.03 |
| JetPeso | 2000 PHP | 120000 PHP | 0.08 |
| MoneyTree Quick Loan | 2000 PHP | 10000 PHP | 0.33 |
| InstaCash | 2000 PHP | 40000 PHP | 0.06 |
| Easycash Lending Company Inc. | 5000 PHP | 10000 PHP | 0.8 |
| UnaCash | 2000 PHP | 30000 PHP | 0.3 |
| CashCat | 1000 PHP | 10000 PHP | 1.5 |
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The author of this article is a finance expert and specialist in the financial field. He specializes in writing materials related to finance, microloans, and online loans.