InstantLoans helps you compare personalized loan offers from multiple lenders. Simply choose the loan amount and term — and we’ll match you with the best available rates tailored to your needs.
Applying online gives you real-time updates on your loan status, access to multiple lenders, and the ability to compare offers — all in one place. It’s fast, secure, and convenient.
The only way to know for sure is to apply. Approval depends on the lender’s individual criteria and your eligibility.
Loan amounts typically range from ₱1,000 to ₱20,000, depending on the lender and your credit profile. If your application is rejected, try applying for a smaller amount.
Filling out an application takes less than 3 minutes, and most lenders respond almost instantly.
Yes, you can apply to several lenders simultaneously. However, be mindful of your ability to manage debt and note that lenders may limit loan amounts based on your current financial obligations.
Loan approval is determined by the lender or bank. Even with a decent salary, other factors like credit score, existing debt, or application errors can affect the decision.
Common reasons for loan rejection include:
Not meeting the lender’s eligibility criteria
Too many active loans or credit accounts
Inaccurate or incomplete information
Poor credit history
No stable income source
Most unsecured loans do not require collateral. However, secured loans may ask for a guarantee, depending on the lender.
Let’s say you apply for a loan with the following terms:
Loan Amount: ₱7,500
Loan Term: 120 days
Processing Fees: ₱1,000
Total Repayment (Loan + Fees): ₱8,500
APR (Annual Percentage Rate): 62.42%
This means that over the course of 120 days, you will repay a total of ₱8,500, which includes the original loan amount and applicable fees. The APR reflects the cost of the loan on an annualized basis.
The website is NOT a representation of a financial institution, and it does not provide loans. Personal user data is not collected or stored. All financial institutions recommended on the website have the appropriate licenses. Terms related to non-payment can be clarified on the financial institution’s website.