HoneyLoan

Honey Loan - Fast Online Loans in the Philippines

With an easy online loan process, that you can complete from anywhere at any time, Honey Loan offers the extra cash you need for bills, emergencies, or personal needs.

With Honey Loan, getting a loan is simple, fast, and hassle-free. The application process is simple and easy. The repayment terms are flexible, and you can adjust them to your budget and lifestyle. 

Once approved, the money goes straight to your bank account so you can focus on what really matters. Honey Loan is designed to give Filipinos a safe and reliable way to access funds when life’s surprises come up.

Why choose Honey Loan PH?

• Apply 100% online – quick and convenient
• Fast approval and cash sent directly to you
• Flexible loan amounts that fit your needs
• Safe, secure, and transparent process

How much can you borrow?

With Honey Loan, getting quick cash online has never been easier. Whether you’re a first-time borrower or a returning client, HoneyLoan offers flexible loan amounts and transparent terms designed to fit your needs.

• New clients: ₱1,000 – ₱10,000
• Repeat clients: ₱1,000 – ₱30,000
• Loan term: Flexible repayment of up to 6 months.

Special offer: First-time borrowers enjoy loans starting from 0% interest.

Who can apply for a loan with Honey Loan?

Applying for a loan with Honey Loan is quick and simple. No guarantor or a pay slip needed. 

Here are the requirements you need to meet when you apply for an online loan from Honey Loan PH.

Basic requirements:

• Must be a Filipino citizen aged 21 to 70 years old
• Have a valid Government-issued ID
• Active mobile phone number
• A stable source of income (employed, self-employed, or freelancer)

Accepted valid IDs:

• UMID
• PhilSys ID (National ID)
• Passport
• SSS ID
• TIN ID

Make sure your ID is valid and updated before applying. Once ready, you can complete the loan application 100% online and get the financial help you need in just a few easy steps.

How to get a loan with Honey Loan?

Applying for an online loan with Honey Loan is simple, and convenient. Follow these easy steps to get cash when you need it most:

Step 1: Create an account or sign in

• New customer? Create an account on the website.
• Returning customer? Simply sign in to your existing account.
• Fill out the short loan application form by entering your personal details. Upload a valid ID and a quick selfie for verification.
• The application form takes no more than 7 minutes to complete.

Step 2: Wait for confirmation

• Honey Loan’s system validates your application within 2–3 minutes.
• You’ll receive an SMS notification about the loan decision.
• If needed, their team may contact you for additional details.

Step 3: Get your money

• Once approved, you’ll receive your loan instantly.
• Choose the most convenient disbursement method:
  • Direct transfer to your bank account (account must be in your name)
  • Cash sent to your e-wallet

How much does a Honey Loan loan cost?

The daily interest rate is 0.5%, which is equivalent to 182% APR.

Your exact interest and repayment amount will depend on the loan amount and the chosen repayment term (up to 6 months). All borrowers are encouraged to review the loan terms carefully before applying or accepting a loan offer to make sure the repayment schedule fits their budget.

Can I apply for a repeat loan?

Yes! Once you’ve successfully repaid your first loan, you can immediately apply for a repeat loan on the same day.

Benefits of a repeat loan:

• Higher loan limit of up to ₱30,000
• Faster processing - approval can take just a few seconds
• Convenient online application, no extra paperwork

By building a good repayment history, you unlock access to larger loan amounts and even quicker approvals, making Honey Loan a reliable partner for your financial needs.

How do I repay my loan with Honey Loan?

Repaying your loan is quick and convenient. You can choose the payment method that works best for you:

• DragonPay
• GCash
• Bank transfer through your preferred online banking app

With multiple options available, you can settle your loan anytime, anywhere, without hassle.

What happens if I miss a loan payment?

If you miss a scheduled repayment, a late payment fee will be applied, and it may also negatively affect your credit score. To avoid extra charges or credit issues, we strongly recommend paying on time.

If you think you might have trouble meeting a due date, contact HoneyLoan’s customer service team in advance to help you find possible solutions.

Does Honey Loan have an app in the Philippines?

No, Honey Loan does not currently have a mobile app. However, you can easily apply for a loan directly from the official Honey Loan website using your phone, tablet, or computer. The entire process is 100% online, quick, and secure.

Is Honey Loan SEC-Registered in the Philippines?

Yes, Honey Loan is a legitimate online lending platform operated by Warm Cash Lending Corp. The company is SEC-registered and holds the necessary licenses to legally operate in the Philippines, ensuring all transactions are safe, secure, and regulated.

Company Details:

• SEC Registration No.: 2021030009095-02
• Certificate of Authority No.: 3472

By borrowing from Honey Loan, you can have peace of mind knowing you’re dealing with a licensed lending company that complies with Philippine laws and financial regulations.

Is Honey Loan legit?

Yes, Honey Loan is a legit and secure online lending platform. Your personal information is protected at every step of the process.

• 100% secure data handling
• Fully compliant with the Data Privacy Act of 2012 (Republic Act No. 10173)

With Honey Loan PH, you can confidently apply for online loans knowing that your information and transactions are handled with the highest level of security and in line with Philippine regulations.

Honey Loan - What users & online reviews say

Honey Loan is a legitimate, SEC-registered online lender. Many borrowers appreciate its fast approval, easy online application, and convenient loan disbursement options. It has become a popular choice for Filipinos who need quick cash for emergencies, bills, or personal needs.

However, like any lending platform, it’s important to borrow responsibly. Some users have raised concerns about high interest rates and late payment penalties.

Tips for borrowers:

• Carefully review the loan terms before applying
• Be aware of the 0.5% daily interest rate (182% APR)
• Always make repayments on time to avoid late fees
• Contact Honey Loan’s customer support in advance if you anticipate repayment issues

Overall, Honey Loan offers a quick and convenient lending solution, but borrowers should remain cautious, fully understand the repayment terms, and only borrow what they can afford to repay.