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Information regarding the lenders
Address: Unit 1405, East Tower, Philippine Stock Exchange Center, Exchange Road Ortigas, Pasig City
Phone number: 0962 409 2454
E-mail: info@finbro.ph
Max APR: 180%
Term: 62 days - 1 year
Cost example: Loan of 1000 ₱ for 12 months, monthly payment 95.83 ₱, total amount 1150 ₱, annual percentage rate APR 180%.
Address: Level 10-1 One Global Place 25th Street Cor. 5th Avenue, Fort Bonifacio, Taguig City
Phone number: 6327 902 7390
E-mail: info@cash-express.ph
Max APR: 72.635%
Term: 62 days - 3 months
Cost example: Loan of 1000 ₱ for 3 months, monthly payment 905.63 ₱, total amount 2716.9 ₱, annual percentage rate APR 72.635%.
Address: Tartu street 52/1-166, 10115, Tallinn, EE
Phone number: -
E-mail: compliance@crezu.net
Max APR: 36%
Term: 62 days - 4 months
Cost example: Loan of 10000 ₱ for 3 months, monthly payment 3000 ₱, total amount 15000 ₱, annual percentage rate APR 36%.
Address: Philippines
Phone number: -
E-mail: info@credify.ph
Max APR: 180%
Term: 3 months - 1 year
Loan of 1000 ₱ for 12 months, monthly payment 95.83 ₱, total amount 1150 ₱, annual percentage rate APR 180%.
Address: Philippines
Phone number: -
E-mail: info@soscredit.ph
Max APR: 180%
Term: 62 days - 1 year
Cost example: Loan of 2400 ₱ for 3 months, monthly payment 870 ₱, total amount 2610 ₱, annual percentage rate APR 145%.
Address: Units P107003R, P107007R, P107008R, Level 7 Cyberpark Tower1, 60 Gen. Aguinaldo Ave., Cubao, Quezon City, Philippines 1109
Phone number: 0288 76 8484
E-mail: dpo@digido.ph
Max APR: 59.9%
Term: 62 days - 6 months
Cost example: Loan of 11000 ₱ for 3 months, monthly payment 6350.67 ₱, total amount 19052 ₱, annual percentage rate APR 59.9%
Address: Unit 1708 Tektite East Tower, Exchange Road, Ortigas Center, Pasig City 1605
Phone number: 0917 152 7089, 0917 152 6738
E-mail: support@moneycat.ph
Max APR: 145%
Term: 3 months - 6 months
Cost example: Loan of 2400 ₱ for 3 months, monthly payment 870 ₱, total amount 2610 ₱, annual percentage rate APR 145%.
Fast and Convenient Financial Solutions
Quick loans are designed to provide immediate financial assistance for unexpected expenses or urgent needs. In the Philippines, these loans are popular for their speed, accessibility, and ease of application.
Quick loans are short-term, small-amount loans that can be processed and approved in as little as 24 hours. They are ideal for covering emergencies such as medical bills, utility payments, or urgent purchases.
Why Choose Quick Loans?
- Fast Processing: Get the funds you need within hours or the same day.
- Minimal Requirements: No need for extensive paperwork or collateral.
- Flexible Options: Loan amounts and repayment terms are tailored to your needs.
Loan Terms and Conditions
When selecting the right loan, it's crucial to consider the following key factors:
- Loan Amount: Borrow an amount that meets your financial needs and aligns with your repayment capability.
- Annual Percentage Rate (APR): Understand the total cost of the loan, including interest and fees. The maximum APR for loans in the Philippines is 180%.
- Repayment Tenure: Choose a repayment term between 62 days and 1 year, depending on what best suits your financial situation.
- Example Loan Cost: For a loan of ₱10,000 over 3 months, the monthly payment would be ₱3,000, with a total repayment amount of ₱15,000. In this example, the Annual Percentage Rate (APR) is 36%.
Additional Associated Fees
Many or all of the products we offer are from our partners, from whom we may receive commission. This may affect the placement of offers and whether a product is included in the comparison. However, this does not affect our ratings.
In addition to obvious costs like interest and repayments, there may be hidden fees that ultimately make a loan more expensive than it initially appears. These hidden costs are not always obvious and can take many forms.
One of the most common hidden costs is a processing fee. Some lenders charge a fee for reviewing a loan application, which is added to the loan amount and interest. While this practice is criticized and sometimes restricted by law in many countries, it is important to consider this when taking out a loan.
Insurance premiums, especially for residual liability insurance, are another issue often overlooked. These insurances are designed to protect both the borrower and the lender if the borrower is unable to service the loan for reasons such as illness or unemployment. However, the cost of such insurance can be high and may significantly increase the overall loan expenses.
If a borrower wishes to repay a loan early, prepayment penalties may apply. These fees are intended to compensate lenders for lost interest income.
Additionally, a special repayment fee may be charged. While some loan agreements offer the option of special repayments without any additional fees, other lenders may impose a charge.
The overall cost of a loan may also be affected by an adjustment to the interest rate on variable-rate loans. If the base interest rate increases, the cost of the loan will also rise.
Therefore, it is crucial for borrowers to carefully review all aspects of a loan agreement, considering not only the nominal interest rate but also any additional fees and charges, to get a true understanding of the total cost of the loan.
At Creditmix.app, we empower borrowers with valuable insights into Philippine lenders and finance options, helping you make informed financial decisions. Please note that Creditmix.app is not a finance institution or bank and does not provide loans directly. Instead, we serve as a trusted platform to help you compare and choose the best loan options tailored to your needs.
