Loan apps using TIN IDs are fintech platforms that offer personal loans to individuals based on their Tax Identification Numbers. TINs are unique 13-digit identifiers assigned by the Bureau of Internal Revenue (BIR) to taxpayers. By utilizing TINs, loan apps can verify your identity and assess your creditworthiness, enabling them to provide loans quickly and efficiently.
Benefits of Loan Apps Using TIN IDs
Utilizing loan apps with TIN IDs offers numerous benefits, including:
- Convenience: Apply for loans anytime, anywhere, without the need for physical documentation or lengthy processes.
- Fast Approvals: Get your loan approved within minutes, subject to eligibility criteria.
- Flexibility: Choose loan amounts and repayment terms that suit your financial needs.
- No Collateral Required: Access loans without having to pledge any assets or provide guarantors.
- Improved Credit Score: Repaying your loan on time can positively impact your credit score, enhancing your future financial prospects.
Top 10 best loan apps in the Philippines that accept TIN ID for loan applications 2025:
| Rank | Loan App | Loan Amount | Interest Rate | Approval Time |
| 1 | Cashalo | Up to PHP 10,000 | As low as 3.5% per month | Within 24 hours |
| 2 | Tala Philippines | PHP 1,000 to PHP 15,000 | 15% to 20% for 21-30 day loans | Within minutes |
| 3 | BillEase | Up to PHP 50,000 | 0% for installments, 3.49%/month | Within a few hours |
| 4 | Home Credit | PHP 3,000 to PHP 150,000 | Starts at 1.99% per month | 24 to 48 hours |
| 5 | MoneyCat | PHP 500 to PHP 20,000 | Starts at 11.9% per month | Within minutes |
| 6 | UnaCash | Up to PHP 50,000 | 5% to 10% per month | Within 24 hours |
| 7 | Asteria | PHP 2,000 to PHP 20,000 | 10% to 20% for 7-30 days | Within minutes |
| 8 | Cashwagon | PHP 2,000 to PHP 20,000 | 24% to 30% for 7-30 days | Within minutes |
| 9 | PondoPeso | PHP 1,000 to PHP 5,000 | Starts at 20% per month | Within 1 hour |
| 10 | RadiantCredit | PHP 5,000 to PHP 50,000 | 10% to 15% per month | Within 24 hours |
Make sure you don’t miss it.
TOP 10 RELIABLE ONLINE LOAN IN PHILIPPINES – ONLY NATIONAL ID REQUIRED
Update 03/2025
(Online Loan Application)
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