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I am borrowing (PHP)


For perios (days)


I return
1001PHP
Loan body
1000PHP
Num of days
62
Fees
0,01%

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Fast Loan Top — Instant Digital Loans for Credit Cards

MINIMUM period for repayment: 91 days
MAXIMUM period for repayment: 365 days
MAXIMUM Annual Percentage Rate (APR): 20%
Loan amount: P2000 - P12000

Example:
Loan amount is P4000
Loan term:365 days
APR: 20%
Total interest:P4000 * 20% = P800
The total amount payable will be: P4000 + (P4000 * 20%) = P4000 + P800 = P4800
Monthly payment: P400.

Fast Online Loans To Bank Card

MINIMUM period for repayment: 91 days
MAXIMUM period for repayment: 365 days
MAXIMUM Annual Percentage Rate (APR): 20%
Loan amount: P2000 - P12000

Example:
Loan amount is P4000
Loan term:365 days
APR: 20%
Total interest:P4000 * 20% = P800
The total amount payable will be: P4000 + (P4000 * 20%) = P4000 + P800 = P4800
Monthly payment: P400.

What is a Digital Loan?

A digital loan refers to a modernized form of borrowing from a private lender that operates exclusively online. While online lenders do not maintain physical office locations, they typically process loan applications through their dedicated app or website.

As per a February 2021 report by the Foundation for Media Alternatives, nearly 80% or 52 million adult Filipinos face challenges when applying for traditional bank loans. This situation has contributed to the rapid growth of the financial technology industry, particularly online lending companies, in Southeast Asia.

Traditional banks and financial institutions typically conduct thorough credit checks to assess a borrower's repayment capability. Conversely, online lenders usually have simpler requirements, such as a valid ID or proof of income, and may not perform extensive credit checks.

Applying for a loan through legitimate online loan apps in the Philippines offers greater convenience. The loan approval process is streamlined, with funds often disbursed within 24 hours, and repayments can be made through the online lender's partner banks and remittance centers.

However, it's important to note that the specific loan application procedures and requirements may vary among different lenders.