26 Best Quick Cash Loans in 2023: Get Fast Cash in the Philippines in Seconds

You don’t need to consult financial experts just to know the best quick cash loans in 2023. Many lending companies in the Philippines provide competitive loan offers for every Juan. All you have to do to ensure you pick the best one is read trusted online loan reviews- just like what you’re doing now.

Through the best quick cash loans in the Philippines, you can borrow as low as PHP 1,000 to millions of pesos depending on your needs and, of course, if you pass all the screenings. The flexibility of the loanable amount matters a lot, especially since Filipinos face various financial struggles. Some would need immediate cash for medical emergencies, tuition fees, house repairs, car purchases, etc.

If you’re looking for a place to see the best loan offers from the most reputable lending firms in the Philippines, you’ve landed in the right place!

In this post, we will reveal the best 26 options you can consider if you plan to apply for an online cash loan in the Philippines.

Are you ready?

Let’s get the ball rolling!

What are Quick Cash Loans?

Quick Cash Loans or Fast Cash Loans are loans that disburse loan proceeds in just minutes or a couple of days, depending on the lending company. Compared to the typical bank cash loan, the quick cash loan application process, approval, and cash disbursement are way faster- that’s why it’s called a quick cash loan in the first place.

The best quick cash loans’ application process, loan approval, and disbursement are entirely done online. Thus, you are spared from the hassle of going to a lending company to apply for a loan and get the proceeds manually over the counter. Aside from the easy application process and cash disbursement, online loans only ask for a minimal requirement. In fact, some lending companies will only ask for a scanned copy of 1 valid ID.

With the mentioned pros of quick cash loans in the Philippines, there is no doubt why more and more Filipinos are getting convinced to apply for the best quick cash loans in 2023. So, if you are facing unexpected financial struggles, emergencies, or need funds to finance your study, why not give it a try?

Check out our list of the top quick cash loan options below and apply for a fast cash loan today!

How to Apply for the Best Quick Cash Loans in the Philippines?

In the rapidly evolving world of finance, finding the best quick cash loans in 2023 can provide relief during emergencies. But of course, before you dive into something, you should have at least a bird’s-eye view of what it’s all about.

Now, if you’re asking about the process of applying for a quick cash loan, it’s very simple. All you have to do is visit the website or open the loan app of the lending company you intend to apply for a quick cash loan. When you’re on the site or the app, all the information you may need are posted there. Just make sure you have a valid ID, active email, and mobile phone number to start the application process seamlessly.

What are the Requirements for Applying for a Quick Cash Loan?

Lending companies, banks, and other financial institutions that offer quick cash loans usually ask for very minimal requirements. To know the specific requirements, just visit the website of your preferred lending company. However, the usual requirements for a fast cash loan include:

• 1 valid ID
• Meeting the minimum age requirement (at least 18 years old)
• Sometimes, a Certificate of Employment or any proof of income will also be asked

Are Online Quick Cash Loans Legal in the Philippines?

Many search for answers about “Are fast cash loans legit and legal?” online. Well, the answer to this will actually depend on which lending company you’re transacting with. But talking about the best quick cash loans in the Philippines, they are 100% legal. In fact, online loans have taken the world by storm in the past few years. If you want to ensure that you’re only transacting with a legit lending company supervised by Banko Sentral ng Pilipinas with operations sanctioned by the Securities and Exchange Commission (SEC), you really need to research. And it’s a good thing you’re reading a comprehensive article like this that will only bring you nothing but the country’s legit quick cash loan options.

26 Best Quick Cash Loans in the Philippines in 2023

1. REVI Credit by CIMB Bank

A typical Juan may face financial setbacks at his most unexpected time, and how can he survive? Well, by availing REVI Credit by CIMB Bank. As long as you are an existing CIMB Bank account holder, you can apply for a REVI Credit cash loan. REVI Credit is one of the best quick cash loans that mainly provides a LINE OF CREDIT. Line of credit is the perfect option, especially if you don’t know exactly how much money you need upon your application. So, it’s a revolving loan where you can keep receiving cash until it meets the agreed ceiling or limit. Aside from spending the money on its primary purpose, you can use the remaining REVI Credit balance to pay bills or even transfer cash. And take note, you can do all of these ONLINE in the comfort of your home!

Loanable amount: Up to PHP 250,000

Interest: 1% per month

Application Approval: Minutes

Terms: 6- 36 months

Features: Flexible loan offering (line of credit), Application, and cash disbursement are 100% done online, No annual fees, No collateral, Competitive interest rate

2. Tonik Quick Loan

Looking for cash that will be sent to you within an hour? It’s possible with the Tonik Quick Loan. Tonik knows how hard it is if an ordinary Filipino stumbles into an emergency- especially if it involves life and death. That is why it offers hassle-free online cash loans for up to PHP 50,000.

Loanable amount: PHP 5,000- PHP 50,000

Interest: 1.7% (monthly add-on rate)

Application Approval: Minutes

Terms: 18 months (maximum)

Features: Quick loan approval and cash disbursement, Safe online loan transaction, High loanable amount, No hidden fees

3. GGives

This online loan offer is from the leading e-wallet platform in the country, GCash. If you qualify for a GGives loan, the platform will be the one to pay for the products and services that you’ll purchase or avail. GGives can also finance travel expenses if you buy tickets from GGives partner merchants. Don’t worry; with over 110,000 partner merchants in the country, finding a GGive partner is definitely not a problem. How to apply? Very simple. You just have to open your GCash account and tap Borrow > GGives. Inside the GGives interface, you will know if you’re eligible for a GGives loan and the specific loanable amount you can apply for.

Loanable amount: PHP 1,000 – PHP 125, 000

Interest: Depends on the loan amount and the term

Application Approval: Pre-determined according to credit record

Terms: 3, 6, 9, 12, 15, 18, and 24 months

Features: Simple application process, Automatic GCash fund disbursement, Thousands of partner merchants

4. UNO Digital Bank Personal Loan

This is one of the quick cash loan apps that will ask for a very minimal requirement. To apply for a loan, you just need to download the UNO app and then submit a scanned copy of your 1 valid ID (preferably bearing a photo). Yes! Only 1 VALID ID is needed to apply for a quick cash loan in UNO Digital Bank. Moreover, UNO doesn’t require borrowers to present any collateral in applying for an online loan.

Since UNO offers a personal loan, you can borrow money for whatever purposes you intend to. Some clients apply for UNO Personal Loans to finance home repairs, start a business, and even shoulder vacation expenses.

Loanable amount: PHP 10,000- PHP 200,000

Interest: 1.79% per month

Application Approval: Seven banking days (maximum)

Terms: 6, 12, 18, 24, and 36 months

Features: No collateral, Minimal requirements, Fast loan application process

5. Tala Cash Loan

When faced with urgent financial needs in the Philippines, many turn to the fastest cash loan Philippines providers. Why not? Time is crucial in emergency situations, right? You can rely on Tala to help you shoulder the badly needed cash when emergencies strike. The whole loan application process will be done online 24/7. And since Tala understands that time is crucial, expect your application to be approved within minutes. When it comes to quick loan application and fast cash disbursement, Tala is always on top of our list.

Loanable amount: PHP 1,000- PHP 25,000

Interest: 0.5% Flat daily fee

Application Approval: Minutes

Terms: Maximum of 61 days

Features: Apply for a loan anywhere 24/7, No collateral, Quick approval

6. Home Credit Cash Loan

A Home Credit Cash Loan will be a lifesaver during emergencies. What about if you want to buy a new phone, washing machine, air conditioner, sala set, or TV? It’s the same; the Home Credit Cash Loan will provide a helping hand in no time. New borrowers must first avail of any of Home Credit’s product loan offers to qualify for a cash loan. But for existing Home Credit customers, they just have to check the particular cash loan offers available for them using the My Home Credit app. Aside from emergencies and personal stuff, many Filipinos availed of Home Credit Cash Loan to fund their studies, renovate a home, and even buy a second-hand car. Home Credit offers a PHP 2,500 minimum loanable amount, while the maximum amount will depend on the unique cash loan offer sent to every qualified Home Credit member.

Loanable amount: PHP 2,500 (minimum); maximum amount varies according to the offer sent to a particular member

Interest: 1.83% monthly add-on rate

Application Approval: Minutes

Terms: 6- 60 months

Features: 1-minute cash disbursement, Easy loan application, Minimal requirement, No collateral

7. RFC Cash Loan

Sometimes, you will need a huge amount of money to cover emergencies and finance other important transactions or activities. Talking about a considerable amount of money, we know that not every Juan is prepared for this. More often than not, ordinary Filipinos will end up borrowing from loan sharks that provide quick cash loans in exchange for a very high interest rate. Of course, we don’t want you to be the next victim of this modus. We highly recommend applying for an RFC Cash Loan if you need quick money, up to 3 million pesos. RFC offers a larger loanable amount without asking for too many requirements from the borrowers.

Loanable amount: PHP 10,000- PHP 3 million

Interest: Depends on the borrowed amount and the repayment term chosen

Application Approval: 24 hours

Terms: 3- 36 months

Features: High loanable amount, Fast approval, Perfect for emergencies requiring a larger amount of money

8.UnionBank Quick Loan

This is one of the best quick cash loans intended only for UnionBank deposit account holders. Like the other quick cash loan offers, the entire UnionBank Quick Loan application process is done online. To start the application process, login to the UnionBank Quick Loan website. UnionBank will send a unique invitation code via SMS and email to be used as your credential in entering the UnionBank Quick Loan portal. Then, you will enter your latest 12-digit payroll account number; if not, the last five digits of your ATM will do. Of course, you also need to supply your active mobile number and email address to the platform. Alternatively, you can also apply for a UnionBank Quick Loan via the UnionBank Online app, which you can download from Google Play or Apple App Store.

Loanable amount: PHP 1,000 to PHP 1 million

Interest: PHP 1,000- PHP 49,999 = 10% of the loan amount, PHP 50,000 and up = 10% of the loan amount, cap of PHP 10,000

Application Approval: 60 seconds

Terms: Up to 12 months

Features: Offers a higher loanable amount, 100% Online Application

9. Finbro

Some financial institutions in the Philippines specialize in quick loan disbursements, providing answers to the question, “Where can I borrow money fast?” And one of them is Finbro. Finbro should be part of the list if we talk about the best quick cash loan providers in the Philippines. Finbro offers fast cash loans without asking for redundant requirements. Just submit a copy of one valid ID and a selfie, and you can get the money the same day you send your application. Finbro’s loan offer is perfect for emergencies and other unexpected scenarios requiring immediate funds.

Loanable amount: PHP 50,000 (maximum)

Interest: 3.5% per month

Application Approval: 1 day

Terms: 12 months (maximum)

Features: Fast loan application process and cash disbursement, no collateral, minimal documentary requirements

10. Cashalo Cash Loan

Are you looking for the best quick cash loans in the Philippines to cover minor financial needs? We highly recommend Cashalo!

Depending on your needs, you can apply for as low as PHP 1,000 up to PHP 7,000. Cashalo’s loanable amount is relatively low compared to other lending companies, but this is good news as it will be much easier to repay your loan.

Loanable amount: PHP 1,000- PHP 7,000

Interest: Starts with 3% (minimum) and around 25% (maximum)

Application Approval: Less than a day

Terms: 90 days (maximum)

Features: Loan proceeds will be sent directly to your bank account or preferred e-wallet, simple application process, quick loan approval, and disbursement of funds

11. ACOM Loan

It’s one of the best quick cash loans in the Philippines that doesn’t require borrowers to have a bank account. This means you can apply for a loan and get the proceeds personally or request it to be sent to your preferred payment gateway.

At ACOM, the loan application process has been made simple. And regarding the requirements, they will only ask you for three: 1 valid ID, TIN, and proof of employment.

Loanable amount: PHP 500,000 (maximum)

Interest: 4.988% (diminishing)

Application Approval: 1 day

Terms: 6- 10 months

Features: Simple loan application process, Quick cash disbursement, Loan offer may increase upon payment history evaluation

12. JuanHand Loan

The best reason for a cash advance is to cover unexpected medical expenses that require immediate payment. But unfortunately, not all companies implement cash advance schemes. That is why, in the end, the best option is to apply for a fast cash loan online. And we highly recommend you reach out to the most trusted JuanHand. JuanHand is one of the country’s popular quick cash loan providers today. Filipinos love JuanHand mainly because of its streamlined loan application process. Just prepare 1 valid ID and download the JuanHand app, and when your loan application gets approved, expect the money to be sent to you in two days maximum. Now, what if your application is denied? Well, not a problem! JuanHand encourages rejected clients to reapply for a loan as soon as a week after their last application.

Loanable amount: PHP 2,000 to PHP 15,000

Interest: 9%- 12%

Application Approval: 2 days (maximum)

Terms: 90 days (maximum)

Features: No collateral, Easy application process, Good customer service

13. Blend PH Personal Loan

This lending company offers a quick cash loan suited for eventualities that require large amounts of money. In fact, if you qualify, you can loan for up to PHP 2 million. Aside from the higher loanable amount, you will also like the flexible repayment terms. And we’re not kidding- you can apply for a loan without presenting collateral!

Loanable amount: PHP 50,000 to PHP 2 million

Interest: 1.5%, 2%, or 3% (depending on specific loan arrangements)

Application Approval: 2 days (maximum)

Terms: 12, 18, 24, 36 months

Features: No collateral, Higher loanable amount, Quick disbursement, Flexible terms

14. GLoan

Gcash, the popular e-wallet in the Philippines, also offers the best quick cash loans for Filipinos. As long as you’re an active GCash user with a high GScore, you are eligible for the GCash GLoan. You will know if you qualify for a GLoan and the potential amount you can apply through the Gcash dashboard. Just check the GScore tab to know the specific details. The more transactions you make using GCash, the faster your GScore will increase. If you qualify, the loan proceeds will be deposited into your GCash account.

Loanable amount: PHP 125,000 (maximum)

Interest: 1.59%- 6.57%

Application Approval: Pre-determined via the GScore

Terms: 5- 24 months

Features: Quick cash disbursement to your Gcash account, No documentary requirements, Easy repayment

15. UnaCash Loan

In times of urgent financial need, Filipinos often wonder, “Where can I loan money fast in the Philippines?” Well, we recommend UnaCash!

Una Cash provides the best quick cash loans in the Philippines, wherein the entire application process is done online. To start the process, download the UnaCash app, then submit details of your active mobile number and email address. Expect to know the status of your application within 24 hours.

What made UnaCash Loan standout from the rest is its very competitive interest rate. Believe it or not, in some cases, the company charges 0% interest!

Loanable amount: PHP 1,000 to PHP 50,000

Interest: 0% to 16% (depending on the credit score)

Application Approval: 24 hours

Terms: 2-6 months

Features: Minimal requirements, Competitive interest rate, Fast loan application and approval, Good payer will get a better reloan offer

16. M Lhuillier Quick Cash Loan

Do you have diamond or gold jewelry? What about high-end gadgets? If yes, then bring them to the nearest M Lhuillier branch, have them appraised, and get instant cash. The context of M Lhuillier Quick Cash Loan is plain and simple- bring a valuable item that will serve as collateral, then receive the money. You just have to present one valid ID to seal the deal.

Loanable amount: Depends on the item’s appraised value

Interest: 3%

Application Approval: 5 minutes or less

Terms: 1- 120 days

Features: Loan offer from an established company, many items to present as collateral, straightforward loan application process, dependable customer service

17. Asteria Loan

If you find yourself in a financial pinch, you might wonder, ‘Where can I loan 20k to cover unexpected expenses?’ Don’t worry; you can rely on Asteria Loan. It’s one of the best quick cash loans in the country that’s perfect for minimal financial emergencies. You can loan for as low as PHP 2,000 and as high as PHP 50,000, which you can pay for up to 120 days. If you’re interested, just visit Asteria’s official website. As for the requirement, you’ll need to present one valid ID, recent payslips (last two consecutive months), a personal bank account, proof of billing, and make sure you’re earning at least PHP 10,000 a month.

Loanable amount: PHP 50,000 (maximum)

Interest: 0.2% daily

Application Approval: 24 hours

Terms: 30-120 days

Features: 100% online application process, No collateral, Fast loan approval

18. Online Loans Pilipinas

No other quick cash loan offer comes close to the one from Online Loans Pilipinas. It provides up to PHP 20,000 quick cash loan without much documentary requirements. The entire application process is done online, and you can expect approval in just minutes. Another best feature of this quick online cash loan is that it will not impose hidden fees- it is transparent right from the get-go!

Loanable amount: PHP 7,000 (first-time borrowers), PHP 20,000 (repeat borrowers)

Interest: 0% if you repay on time on your first payment date

Application Approval: Minutes

Terms: 30 days (maximum)

Features: Quick loan approval and cash disbursement, allows 30 days payment extension for valid reasons, no collateral

19. Digido

It’s a highly advanced quick cash loan app that offers up to PHP 25,000 loanable amount with a 0% interest rate for first-time borrowers. The application process is fully automated, and the required document is minimal. And since it employs highly sophisticated online safety nets, you’re assured that none of your personal information will be shared on third-party platforms.

Loanable amount: PHP 1,000 to PHP 25,000

Interest: 0% (new customers), 1.5% daily (repeat borrowers)

Application Approval: Within 24 hours

Terms: 30 days (maximum)

Features: No collateral, Competitive loan interest rate, Safe and fully automated online loan platform

20. Cash Mart

Here’s a top-notch online cash loan provider with a mother company in Singapore. Cash Mart Philippines offers several loan options for various financial needs, including salary, personal, OFW, and car loans. Cash Mart could be one of the lending companies in the Philippines that provide very flexible loan terms adjusting to the paying capacity of the borrowers. Depending on your preference, you can choose from weekly, biweekly, and monthly loan repayment arrangements.

Loanable amount: PHP 3,000- PHP 50,000

Interest: 0.0571%- 0.8 daily or 20.8415%- 292% per annum

Application Approval: 24 hours

Terms: Weekly (due date every 7th day), Biweekly (due date every 14th day), Monthly (due date every 28th of the month)

Features: Fast loan application process, Salaried, commissioned-based employees, taxi/Grab drivers are eligible, Minimal requirement

21. Esquire Financing

When you need immediate funds, it’s essential to explore your options and find the best quick cash loan Philippines has to offer. If you plan to start a small business, then Esquire Financing is what you need. Esquire provides quick cash loans specifically to fund small and medium-scale enterprises. You can loan up to 10 million pesos to finance business site construction, develop a strategic advertising campaign, and even patch losses incurred early on running a particular business.

Loanable amount: Up to PHP 10 million

Interest: 3.5% a month

Application Approval: 7 days (maximum)

Terms: 3-6 months

Features: High loanable amount, Quick loan disbursement (2 days maximum), Competitive interest rate

22. Vidalia

Vidalia has been one of the most trusted providers of the best quick cash loans in the Philippines since 2008. It’s a peer-to-peer lending company; thus, you’ll transact directly with loan investors without any middleman. What is the advantage of this? Well, without a middleman, you’ll get a faster loan approval and, of course, a lower interest rate. After the credit evaluation over the phone, expect to receive the money within 2-5 days. Vidalia offers the following quick cash loans: Personal Loan, Salary Loan, Business Loan, Small Business Loan, and Lite Loan.

Loanable amount: PHP 5,000- PHP 500,000

Interest: 4%- 6% monthly

Application Approval: Within 24 hours

Terms: 2- 12 months

Features: Wide selection of loan offers, High loanable amounts, Established lending platform

23. SB Finance

When facing unexpected financial emergencies, many people turn to the fastest cash loan options available- one of the top picks is from SB Finance. In cooperation with the Security Bank and Krungsri, one of the largest banks in Thailand, SB Finance offers one of the best quick cash loans in the Philippines. Just download SB Finance’s online loan app, named Zuki, to start applying for a loan. SB Finance dished out several loan options for every Filipino, such as personal, motorcycle, and car loans.

Loanable amount: Personal loan- PHP 30,000 to PHP 2 million, MotorsikLOAN- PHP 2 million (maximum), Car4Cash- PHP 2 million (maximum)

Interest: 1.2%- 3.5%

Application Approval: Within 5 banking days

Terms: 2- 48 months

Features: Many loan options, Higher loanable amounts

24. Radiowealth Finance Company

Our list of the best quick cash loans in the Philippines will not be completed without Radiowealth Finance Company (RFC). RFC has been in the business since the 1990s. Its main loan products include cash and financing loans. If you need quick cash to fund buying a motorcycle, car, appliances, etc.- RFC is your go-to option! Since it’s a well-established lending company, you are assured of fair interest rates and legitimate loan services.

Loanable amount: PHP 10,000- PHP 3 million

Interest: 4% per month

Application Approval: Within 24 hours

Terms: 3- 36 months

Features: Established company, Simple application process, Wide range of loan options

25. First Circle

Many Filipinos consider applying for a quick cash loan in the Philippines to address their immediate financial needs, and businesspersons are not exempted! Good thing there’s First Circle. This company offers the best quick cash loans to businesspersons running B2B companies. B2B or Business-to-business is a business model where one company provides raw materials to another business to produce the final output. How much can you apply for a First Circle online cash loan? Well, a staggering PHP 20 MILLION!

Loanable amount: PHP 250,000- PHP 20 million

Interest: 0.99%- 2.49%

Application Approval: 2 business days (maximum)

Terms: 12 months (maximum)

Features: Utilizes a safe loan portal, Online loan application, Higher loanable amount

26. cash-express

If you’re looking for a fast, convenient, and 100% SAFE online cash loan, we highly recommend Cash-Express. This trusted lending company guarantees loan approval as fast as 15 minutes. Aside from the fast loan approval, its requirement is also very minimal. In fact, Cash-Express will only ask for one document for its borrowers.

To apply, visit the Cash-Express website, create a profile, and fill out the application form. Within minutes, you’ll receive a call confirming the status of your loan application. Once approved, the money will be immediately deposited into your bank account.

Loanable amount: Up to PHP 20, 000

Interest: 0% for the first 7-day

Application Approval: 15 minutes

Terms: 7- 14 day

Features: Easy online application process, Employs the most advanced data security feature to ensure information confidentiality, Fast cash disbursement

Takeaway

You will need the best quick cash loans in the Philippines to shoulder unforeseen emergency cash needs. Just go over our list and pick the best option that suits your needs and requirements. Remember that choosing the right lending company is the first major step in solving your emergency cash problem.