Need help? We’ve got you covered.

You can apply for an online loan by filling out a simple application form with your personal information and the desired loan amount. 

Always compare loan offers to get the best terms. 

Once you find the best loan offer, submit the required documents to the lender, wait for approval, and receive the funds directly in your bank account or e-wallet.  

On Moneezy’s website you can compare loan offers from trusted lenders in the Philippines. 

Requirements vary among lenders, but most loan providers in the Philippines typically ask for: 

• Minimum age (usually 18 or 21 years old and above) 

• Philipino citizen or a foreigner, currently residing in the Philippines with a valid billing address 

• Valid government-issued ID  

• Proof of income  

• Active mobile number and email address 

• Bank account or e-wallet for receiving funds  

Some lenders may ask for additional documents depending on the loan amount or your credit history. Read more about who can apply for a loan online on Moneezy’s website. 

Approval and release times vary by lender. Some online lenders in the Philippines can approve loans within 15 to 30 minutes, especially if your documents are complete and you have a good credit score. 

The cash release once your loan is approved and signed might take a few minutes or up to one banking day, depending on your bank or e-wallet’s processing times.

You can be approved for a fast loan in the Philippines within 15 minutes through various online lenders. These lenders offer quick application processes with minimal requirements, making their loans ideal for urgent financial needs.  

The speed of the approval depends on the loan amount you want to borrow, your income, and your credit history.  

The payout time of the loan may vary depending on the lender, your documents, and your bank or e-wallet’s processing times. 

Remember to always compare fast loan offers on Moneezy’s website before signing a loan agreement.  

For an online personal loan, you do not need collateral.  

Many online loans in the Philippines are unsecured, meaning you don’t need to pledge any property or assets as collateral. The amounts you can borrow without collateral are smaller compared to loans with collateral. 

Unsecured loans are riskier for lenders. Thus, they have higher interest rates and shorter repayment periods.  

Always compare your online personal loan options before signing a loan agreement. 

Yes, some lenders in the Philippines offer loans to people with bad credit or no credit history, though the interest rates might be higher, and loan amounts smaller. 

Always check the terms carefully and borrow only what you can afford to repay.  

A good repayment record can also help improve your credit over time! 

Yes, some lenders in the Philippines allow foreigners to apply for online loans. 

Foreign borrowers usually need to show a valid billing address, proof of income, and sometimes proof of long-term residency.  

Not all lenders offer loans to foreigners, so it’s best to check with each lender’s specific policies before applying. 

The interest rate is the cost of borrowing the money itself, shown as a percentage of your loan amount.  

The APR (Annual Percentage Rate) includes the interest rate plus any fees or charges (like processing fees or service fees), averaged over one year. This makes APR a more accurate way to see the total cost of your loan. 

You can read more about interest rate, APR and the cost of a loan on Moneezy’s website. 

If you can’t pay your loan on time, you may face late payment fees.  

It can also affect your credit score, making it harder to get loans in the future.  

If you’re struggling, contact your lender right away. Some lenders offer payment extensions or restructuring options to help you manage your loan. 

Yes, quick loans in the Philippines can be safe and legitimate but only if you borrow from licensed, SEC-registered lenders. 

There are many reputable online lenders and apps that follow government regulations and protect your data. However, scams and illegal lenders also exist, often charging hidden fees or using harassment tactics. Never pay upfront fees to unknown lenders. 

Always check if a lender is listed on the SEC website and read reviews before applying.  

Moneezy only works with SEC-registered lenders in the Philippines. 

All legitimate lending companies in the Philippines are registered with the Securities and Exchange Commission (SEC). These companies comply with the Lending Company Regulation Act of 2007, ensuring that they operate within the legal framework set by the government. 

Look for the lenders' SEC Registration Number on their website or loan documents. 

Moneezy only works with SEC-registered lenders in the Philippines. 

An SSS loan in the Philippines is a loan program offered by the Social Security System (SSS) to its eligible members. The most common type is the SSS Salary Loan, which allows employed, self-employed, and voluntary members to borrow money based on their monthly salary and number of contributions. 

If you are not an active SSS member, you are not eligible for an SSS loan. In this case, you can consider a quick cash loan. While the interest rate on cash loans is higher, the requirements are less strict.