The Philippines is a country with a high demand for loans. However, many Filipinos struggle to find legit loan apps with low interest rates. This article will provide you with a guide to the best loan apps in the Philippines that offer low interest rates and flexible repayment terms.
Top 10 Best Loan Apps with Low Interest in the Philippines 2025
| App Name | Interest Rates | Loan Amounts | Repayment Periods | Key Features |
| GCredit | 2.5% – 5% per month | ₱1,000 – ₱25,000 | 30 – 180 days | – Quick approval process – Flexible repayment options – No collateral required |
| Cashalo | 3% – 6% per month | ₱1,000 – ₱30,000 | 15 – 365 days | – Personalized credit assessment – Buy-now-pay-later options – Loyalty rewards program |
| Lendr | 2.5% – 4.5% per month | ₱5,000 – ₱50,000 | 30 – 365 days | – Longer-term personal loans – Competitive interest rates – Transparent fees |
| Tala | 3% – 5% per month | ₱1,000 – ₱15,000 | 30 – 90 days | – Focuses on financial inclusion – Uses alternative data for credit assessment – No collateral required |
| PayMaya Loans | 2.5% – 4% per month | ₱1,000 – ₱20,000 | 30 – 180 days | – Integrated with PayMaya wallet – Convenient application process – Flexible repayment options |
| Cebuana Lhuillier Loan | 3% – 6% per month | ₱1,000 – ₱20,000 | 30 – 180 days | – Extensive branch network – Quick loan disbursement – Accepts various ID types |
| Home Credit | 3% – 5% per month | ₱5,000 – ₱50,000 | 3 – 12 months | – Flexible repayment plans – No collateral required – Loyalty rewards program |
| Robocash | 2.5% – 4% per month | ₱1,000 – ₱25,000 | 30 – 180 days | – Automated loan processing – Competitive interest rates – Simplified application process |
| RCBC MyWallet Loan | 3% – 5% per month | ₱1,000 – ₱20,000 | 30 – 180 days | – Integrated with RCBC digital wallet – Fast approval and disbursement – No collateral required |
| First Circle | 3% – 6% per month | ₱5,000 – ₱100,000 | 30 – 365 days | – Offers business loans and personal loans – Customized loan solutions – Dedicated customer support |
Make sure you don’t overlook it:
TOP LOAN APP WITH LONG TERM PAYMENT PHILIPPINES
Update 06/2025
(Online Loan Application)
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