Bad Credit History Loans Manila
Loans:
- Digido
- UnionBank Of The Philippines
- Metrobank
- Finbro
- Binixo
- Online Loans Pilipinas
- Kviku
- Crezu
- Cash Express
- Money Cat
- JuanHand
In Manila, individuals facing financial challenges often find themselves in need of loans, especially those with bad credit histories. The demand for financial assistance arises from various circumstances, such as unexpected medical expenses, home repairs, education costs, or simply the need to bridge income gaps. Many residents struggle to secure traditional financing options due to past credit issues, making specialized loan products an attractive solution. This has given rise to a growing market for bad credit history loans, where lenders are more accommodating to applicants who might otherwise be overlooked.
Online loans have emerged as a convenient alternative for those in need. They offer a streamlined application process, allowing users to apply from the comfort of their homes without the need for extensive paperwork. Funds are often disbursed quickly, sometimes within a day, which is essential for those facing urgent financial situations. Moreover, many online lenders provide user-friendly online portals for tracking loan statuses and managing repayments, along with promotional codes that can help reduce costs. Typically, borrowers can access amounts ranging from PHP 5,000 to PHP 50,000, which they frequently allocate toward essential expenses like medical bills, tuition fees, or home improvements. This availability of online loans presents an accessible path to financial relief for many in Manila.
Digido
Digido Finance Corporation is a licensed lending service platform based in the Philippines, dedicated to providing Filipinos with accessible, no-collateral cash assistance to meet their financial needs. With a commitment to offering safe, affordable, and prompt solutions, Digido allows clients to borrow amounts ranging from PHP 1,000 up to PHP 25,000, with flexible repayment terms between 30 to 180 days. New users can take advantage of an exclusive promotion offering their first loan interest-free for 7 days, highlighting Digido's customer-centric approach. With a competitive interest rate of just 0.49% per day, the service also boasts a swift approval process, with funds transferred directly to a bank account within one working day.
Users benefit from the convenience of applying online via the Digido app, available on both Android and iOS, coupled with user-friendly repayment methods that include various payment centers and online banking options. Digido operates under the regulations set by the Securities and Exchange Commission (SEC), ensuring compliance and safety for all clients, while its high user ratings reflect a strong reputation for reliability and efficiency in the lending market. Whether you need funds for personal expenses or unexpected emergencies, Digido positions itself as a trustworthy partner in achieving your financial goals.
UnionBank Of The Philippines
UnionBank of the Philippines, a leading financial institution in the country, offers dynamic solutions for those seeking financial support in Manila. With a mission to harness innovative technology and streamline access to banking services, UnionBank is dedicated to empowering citizens through simple yet effective financial solutions. Their housing product provides a minimum amount of PHP 500,000 and can go up to a generous PHP 50,000,000, making it an attractive option for a variety of needs. Borrowers can enjoy flexible repayment terms ranging from 1 to 20 years.
One of the standout advantages of UnionBank is its commitment to customer convenience; applicants can expect quick processing times and don’t need to open a linked bank account to apply. Additionally, the bank's reputation for secure and user-friendly online banking makes it easy for clients to manage their finances and access services globally. With a focus on accessibility, the bank’s expert team is available to assist customers at any time, ensuring a seamless experience throughout the borrowing process.
3.94% on the first credit
AMOUNT
500000 - 50000000 PHP
CAT
3.94%
TERM
62 - 365
Metrobank
Metrobank, one of the leading banking institutions in the Philippines, champions the financial aspirations of its clients through a diverse range of services, with a particular emphasis on housing finance. Established in 1962, Metrobank has built a solid reputation for stability and excellence, providing customer-centric solutions designed to meet the unique needs of Filipinos. With a minimum borrowing amount of PHP 500,000 and a maximum limit set at PHP 100,000,000, the bank offers flexible terms from 1 to 25 years, making it accessible for a wide spectrum of borrowers. Competitive interest rates start at 7.00% for fixed periods, ensuring clients can confidently plan their finances.
Metrobank sets itself apart with its user-friendly digital banking platform, extensive network of branches and ATMs, and dedication to customer service. This commitment is backed by a rigorous understanding of client needs, positioned to attract both local and overseas Filipino workers. Whether for purchasing a home or financing a dream property, Metrobank stands out as a trusted partner in Manila, ready to support the financial journeys of individuals and families alike.
7.00% on the first credit
AMOUNT
500000 - 100000000 PHP
CAT
7.00%
TERM
62 - 365
Finbro
Finbro, operated by Sofi Lending Inc., is a reputable online lending platform in the Philippines, designed to provide quick financial solutions to individuals in Manila and beyond. With a mission to offer accessible and reliable cash assistance, Finbro caters to a wide range of financial needs by offering amounts from ₱1,000 to ₱50,000, with flexible repayment terms ranging from 30 to 365 days. The application process is streamlined and efficient, ensuring approvals within just 24 hours, all without the hassle of collateral.
Customers benefit from competitive interest rates starting at just 1.12% per day, a user-friendly mobile app that simplifies the borrowing experience, and a transparent fee structure that includes a modest one-time processing fee. What sets Finbro apart is its commitment to customer satisfaction, evident in its high ratings for service and timeliness, making it a trusted choice for those seeking financial support in Manila. Whether you need funds for emergencies, personal expenses, or any purpose, Finbro is dedicated to providing the financial help you need when you need it most.
Binixo
Binixo is a leading online financial service in Manila, designed to provide quick and accessible monetary solutions for residents of the Philippines. Our mission is to empower individuals facing urgent financial needs by offering seamless access to funds, ranging from 2,000 to 30,000 PHP, with flexible repayment terms between 7 to 30 days. With an interest rate of just 1% per day, we prioritize transparency and convenience, ensuring that money is credited directly to your bank account within 1-2 business days after approval.
Our platform eliminates traditional barriers by allowing clients to complete the application process entirely online, using an innovative mobile app tailored for user-friendly navigation. One of the standout advantages of Binixo is our commitment to security; we employ advanced systems to protect personal information and ensure a hassle-free experience without the need for collateral or extensive documentation. Join the countless satisfied customers who trust Binixo for quick approvals and personalized payment solutions, making us a top choice for anyone in need of financial assistance in Manila.
Online Loans Pilipinas
Online Loans Pilipinas is a reputable online financial service provider dedicated to offering swift financial assistance to residents of Manila and throughout the Philippines. Our mission is to empower Filipinos by providing quick and uncomplicated access to funds for any purpose, ensuring that financial aid is within reach whenever it's needed. We offer loans ranging from PHP 2,000 to PHP 30,000, with flexible terms from 7 to 30 days and a competitive interest rate of just 1% per day, making it easier for customers to manage their finances.
One of the standout features of our service is that our first-time loan is interest-free, allowing borrowers to repay exactly what they borrowed. Moreover, we pride ourselves on our seamless application process, which can be completed via our mobile app, and our commitment to customer service, backed by our SEC registration, which assures clients that they are working with a legitimate and trustworthy institution. Whether it's your first time or a repeated use of our services, Online Loans Pilipinas is here to assist you with fast, reliable, and transparent financial solutions.
1 per day% on the first credit
AMOUNT
1000 - 20000 PHP
CAT
1 per day%
TERM
62 - 365
Kviku
Kviku is a fully automated online financial service that provides a seamless and efficient way to access funds for personal needs, operating 24/7 in Manila. The company's mission is to empower Filipinos with quick, secure, and transparent financial solutions. With a minimum loan amount of 1,000 PHP and a maximum of 25,000 PHP, Kviku caters to a wide range of financial requirements. Interest rates are set at a competitive daily rate of 0.16%, and funds can be approved and transferred directly into your bank account within just 24 hours.
One of the standout features of Kviku is its commitment to user-friendly processes; there are no complex paperwork requirements as the application can be completed online at any time, eliminating the need for branch visits. Additionally, there are no hidden fees, ensuring clear cost transparency from the start. With a focus on mobile security technology and big data innovations, Kviku guarantees a swift, safe, and reliable service, making it a preferred choice for individuals seeking quick financial support in Manila.
Crezu
Crezu is an innovative online platform designed to assist residents of Manila in finding suitable licensed lenders that align with their personal financing needs. With a clear commitment to transparency and ease of use, Crezu connects borrowers to various loan offers at no charge, serving as a reliable intermediary between clients and lenders. The platform allows individuals to access personal financing ranging from a minimum of 1,000 pesos to a maximum of 50,000 pesos, with competitive interest rates starting at just 1% per day.
Borrowers can benefit from flexible loan terms, with repayment durations spanning from 91 to 365 days, and first-time clients may even enjoy an attractive 0% interest rate for short-term loans. Additionally, the user-friendly interface and streamlined application process make it simple for clients to find and apply for loans that meet their specific requirements, ensuring a hassle-free experience. Whether you're facing unexpected expenses or planning a special purchase, Crezu empowers you to make informed financial decisions with confidence in Manila's borrowing landscape.
Cash Express
Cash-Express Philippines Financing Inc. is a leading online lending platform that is reshaping how Filipinos access financial support in Manila and beyond. Our mission is to provide a fast, reliable, and convenient solution for individuals seeking immediate financial assistance without the hassle of traditional banks. With cash amounts ranging from PHP 1,000 to PHP 20,000 and flexible repayment terms spanning 7 to 30 days, we cater to various financial needs, whether it's for unexpected expenses or planned purchases.
What sets us apart is our commitment to transparency and customer satisfaction; we offer competitive interest rates starting at 1% per day with no hidden fees or collateral requirements, ensuring borrowers know exactly what to expect. Our efficient online application process allows approvals in as little as 24 hours, enabling customers to receive their funds quickly and securely directly into their bank accounts. As a SEC-registered company, Cash-Express guarantees compliance with local regulations, fostering trust and security for all our clients. Choose Cash-Express Philippines for a seamless borrowing experience that prioritizes your financial needs and convenience.
Money Cat
Money Cat is a trusted online lending platform in the Philippines, providing quick and convenient financial solutions for those in need of cash. With a mission to make access to funds effortless, Money Cat offers flexible amounts ranging from PHP 500 up to PHP 20,000, with repayment terms varying from 90 to 180 days. Customers benefit from competitive daily interest rates starting at 0.39%, and the application process is streamlined for rapid approval, often within 24 hours, with funds directly deposited into your bank account.
The platform is fully licensed by the Securities and Exchange Commission, ensuring legal compliance and consumer protection. Additionally, Money Cat distinguishes itself with a user-friendly app, no collateral requirements, and promotions like zero interest on first-time loans, making it an ideal choice for residents seeking loans in Manila. Whether you need funds for emergencies, personal projects, or other purposes, Money Cat is dedicated to providing reliable and accessible financial assistance to every Filipino.
JuanHand
JuanHand is a leading fintech platform in the Philippines, established in 2019 and operating under WeFund Lending Corp., a subsidiary of the prominent Chinese fintech firm Paipaidai. The company is dedicated to providing quick and hassle-free online access to cash solutions, allowing Filipinos to secure funds for various personal needs anytime, anywhere. With a competitive interest rate of just 0.49% per day, customers can apply for amounts ranging from 2,000 PHP to 12,000 PHP, with repayment terms lasting between 14 to 90 days. JuanHand stands out for its swift approval process, promising decisions within 24 hours, and its commitment to customer well-being, demonstrated by past philanthropic efforts during national crises.
Operating legally in compliance with Philippine regulations and holding a certificate of authority from the SEC, JuanHand ensures a trustworthy borrowing experience. The convenience of a mobile app, 24/7 service, and no collateral requirements makes it an appealing choice for those in need of financial assistance in Manila. Customers appreciate JuanHand for its straightforward application process and responsive customer support, solidifying its reputation as a reliable partner in times of financial urgency.
Loan Comparison
| Name of the service | Minimum amount of the first loan | Maximum amount of the first loan | Additional cost of the first loan |
| Credify | 5000 PHP | 20000 PHP | 0.11 |
| Madaloan | 1500 PHP | 8000 PHP | 0.05 |
| M&K QUICK CASH LOAN INC. | 1000 PHP | 15000 PHP | 5 |
| Pautang Online | 1500 PHP | 8000 PHP | 0.05 |
| SPayLater | 500 PHP | 50000 PHP | 0.03 |
| Kusog Pera Lending INC. | 2000 PHP | 20000 PHP | 10 |
| Flip Cash | 1000 PHP | 30000 PHP | 0.1 |
| OnePuhunan | 50000 PHP | 500000 PHP | 0.03 |
| WowPera | 2000 PHP | 20000 PHP | 0.05 |
| TendoPay | 2000 PHP | 30000 PHP | 0.13 |
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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.