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Last updated 31-10-2024

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Why to apply for a loan through Cardloans?

Cardloans helps you to find customized and personalized services, so you can choose the right loan for your needs. You only need to choose how much you’d like to borrow, for how long and we’ll show you the best loan rate.

What are the personal advantages of applying online for a personal loan?

When you apply through our online service, it is possible to have real time tracking of the loan status, as well you are able to compare between lenders and choose the right one for you.

Will I be accepted for a loan?

The only way to find out if you'll be accepted for a loan is to apply.

What is the minimum loan limit offered?

Loans are offered from ₱ 1000 to ₱ 30,000 depending on your eligibility. If your loan is being rejected, you may want to try with a smaller sum.

What is the response time for a loan?

Normally the application takes less than 3 minutes and you get almost immediate response from the lenders.

Can I apply to different lenders at the same time?

Yes! You can always apply to different lenders at the same time, but always consider if you are ready to manage that extra debt. Also consider that some lenders may limit the amount of money if you have a huge existing debt. Keeping that in mind, consider applying to another loan after a few weeks.

My loan got rejected even though I have a decent salary?

The final decision to grant a loan depends on the credit department of the financial institution you’re applying for or the bank. Some of the reasons why a loan can be rejected are in the following question.

Why has my loan been denied?

There are multiple reasons that may cause your loan to be rejected. When you apply for a personal loan, for paying debts, buying a new car, or anything else – the lender in some cases will check your credit history. Below are some possible reasons that could explain why your loan application was declined.

You don’t meet the lender's eligibility criteria.
Too many existing loans or credit agreements.
Incorrect information on your loan application.
A poor credit history.
Not having a steady source of income.

Do I need to produce any collateral or security?

Depending on the lenders, usually secured loans ask you for a security and guarantee for it. If you’re applying for an unsecured loan, then you don’t need to produce any collateral or security.

Is my information safe with Cardloans?

Yes, none of our user’s information is shared with any third party apart from the financial institutions or banks that you have applied for a loan.

What should I do if my loan applications are rejected?

If your loan application was declined, do not worry, you can change a few things to increase the odds in the future to prevent your loan application from being rejected. There are some actions you can take that generally have an immediate positive effect and increase your chances for being approved for the loan.

Pay your debts: if you have several debts try to settle them or, at least, make a large down payment.
Increase your income: Earning more is not as easy as it sounds, but when you’re trying to increase your odds of getting a loan worth it.
Build credit: Borrowing will be easier in the future if you start to build a strong credit history. That means you’ll need to pay your debts and repay loans on time, this is how your credit will gradually improve.
Keep in mind that lenders may change their policies to make them more accessible, making it easier for you to get your loan approved.

How can I get a loan without being rejected?

Some lenders may offer you a loan without any chances of being rejected, in this case you may use a collateral, such as a car, home, jewelry. That collateral can make the lender more comfortable since it protects them in case you fail to repay the loan in full. This kind of loan may be available in a few countries. If you saw this option on the list of lenders that means that loan with collateral may be available in your country.

Information about lenders

Fininity Ltd

Example: Loan amount 5000 PHP, for 91 days, fees 449 PHP, All payments and fees 5449 PHP, APR 36%

Address: Tartu Street 84a, Tallinn, 10112, EE
Email: info@cashspace.ph
Term: From 91 to 180 days
Age: 20 - 65
APR: 36%

Registration Number 14523902

olp.ph - Online Loans Pilipinas Financing inc.

Example: Loan amount 5000 PHP, for 91 days, fees 449 PHP, All payments and fees 5449 PHP, APR 36%

Address: 601 Summit One Office Tower, 530 Shaw Boulevard, Barangay Highway Hills, Mandaluyong City
Phone: (02) 322-1000
Email: help@olp.ph
Term: From 91 to 180 days
Age: 22 - 60
APR: 145%

№ CS201726430, CA №1181

Individual entrepreneur Anton Olefir

Example: Loan amount 5000 PHP, for 91 days, fees 1808 PHP, All payments and fees 6808 PHP, APR 145%

Email: info@finapps.com
Term: From 91 to 180 days
Age: From 20 years old
APR: 145%

Mazilla.ph

Address: Letonia, Riga, Krisjana Valdemara calle, 33 – 7, LV-1010
Phone: +44 (131) 608-05-01
Email: support@mazilla.ph
Term: From 91 to 180 days
Age: From 18 years old
APR: 365%

SCHAEFER LLC

Example: Loan of 2400 PHP for 3 months, monthly payment 870 PHP, total amount 2610 PHP, annual percentage rate APR 143%.

Address: Latvia, Saldus, Liela iela 9, LV-3801
Email: info@credify.ph
Term: From 91 to 180 days
Age: From 18 years old
APR: 143%

Finloo.ph

Email: info@finloo.business
Term: From 91 to 180 days
Age: From 18 years old
APR: 143%

Cash-Express Philippines Financing Inc.

Example: Loan amount 5000 PHP, for 91 days, fees 910 PHP, All payments and fees 5910 PHP, APR 73%

Address: Level 10-1 One Global Place 25th Street Cor. 5th Avenue, Fort Bonifacio, Taguig City
Phone: +63 939 919-5727
Email: hr@cash-express.ph; payments@cash-express.ph
Term: From 91 to 180 days
Age: 18 - 65 years old
APR: 73%

Company Registration No. CS201951088 and Certificate of Authority No. 2918 granted by the SECURITIES AND EXCHANGE COMMISSION on 20th June 2019.

SOScredit

Example: Loan of 2400 PHP for 3 months, monthly payment 870 PHP, total amount 2610 PHP, annual percentage rate APR 143%.

Email: info@soscredit.ph
Term: From 91 to 180 days
Age: From 20 years old
APR: 143%

Lonaonline.ph

Email: Lonaonline@perloan.ph
Term: From 91 to 180 days
Age: From 20 years old
APR: 427%

Kviku Lending Co. INC.

Example: Loan amount 5000 PHP, for 91 days, fees 1783 PHP, All payments and fees 6783 PHP, APR 143%

Address: 18A Trafalgar Plaza, 105 H.V. Dela Costa Street, Salcedo Village Makati City, the Philippines
Email: support@kviku.ph
Term: From 91 to 180 days
Age: 18 – 65 years old
APR: 143%

SEC Registration No. CS201918702. Certificate of Authority No. 3169 NPC Registration No. PIC-001-791-2021

MoneyCat Financing Inc.

Example: Loan amount 5000 PHP, for 91 days, fees 1808 PHP, All payments and fees 6808 PHP, APR 145%

Address: Unit 1701 Tycoon bldg Pearl Drive st. Brgy San Antonio Ortigas Center Pasig City, ph 1800.
Phone: 09171001747
Email: support@moneycat.ph
Term: From 91 to 180 days
Age: 25 - 70 years old
APR: 145%

Certificate of Authority To Operate Number: 1254 granted by the Securities & Exchange Commission.

Example: Loan of 2400 PHP for 3 months, monthly payment 870 PHP, total amount 2610 PHP, annual percentage rate APR 143%.

Address: Registered in the Republic of Estonia with business number 16372962
Term: From 91 to 180 days
Age: From 20 years old
APR: 427%

Fininity Ltd

Example: Loan amount 5000 PHP, for 91 days, fees 449 PHP, All payments and fees 5449 PHP, APR 36%

Address: Tartu Street 84a, Tallinn, 10112, EE
Email: complaints@crezu.net
Term: From 91 to 180 days
Age: 18 - 70 years old
APR: 36%

Company registration number: 14523902

DIGIDO FINANCE CORP.

Example: Loan amount 5000 PHP, for 91 days, fees 1783 PHP, All payments and fees 6783 PHP, APR 143%

Address: Units P107003R, P107007R, P107008R, Level 7 Cyberpark Tower1, 60 Gen. Aguinaldo Ave., Cubao, Quezon City, Philippines 1109
Phone: (02) 8876-84-84
Email: dpo@digido.ph
Term: From 91 to 180 days
Age: 21-70
APR: 143%

SEC Registration No. 202003056. Certificate of Authority No. 1272

Sofi Lending Inc.

Example: Loan amount 7500 PHP, for 91 days, fees 1279 PHP, All payments and fees 8779 PHP, APR 68.4%

Address: Unit 1405 Philippine Stock Exchange Tektite San Antonio, Pasig
Phone: 969 047 1419
Email: info@finbro.ph
Term: From 91 to 180 days
Age: 20 - 65 years old
APR: 68.4%

SEC Registration No. CS201908275 SEC Certificate of Authority No. 2990

PesoRedee

Address: Unit 204 Pacific Center Condominium, 33 San Miguel Ave, Brgy. San Antonio, Pasig
Email: support@pesoredee.ph
Term: 91-180 days
Age: 21 to 70
APR: 365%

№ CS201804564, CA №1165

Kviku Lending Co. INC

Address: 18A Trafalgar Plaza, 105 H.V. Dela Costa Street, Salcedo Village Makati City, the Philippines
Email: support@kviku.ph
Term: 91-180 days
Age: 21 to 70
APR: 360%

NPC Registration No. PIC-001-791-2021

Sofi Lending Inc

Address: Unit 1405 Philippine Stock Exchange Tektite San Antonio, Pasig
Email: info@finbro.ph
Term: 91-180 days
Age: 21 to 70
APR: 365%

SEC Certificate of Authority No. 2990

Vamo Lending Inc.

Address: Unit 1606-1607 11th Drive Cor. 9th Avenue, Bonifacio Global City, Taguig City
Phone: 063-917-706-9834
Email: support@vamo.ph
Term: 91-365 days
Age: 20-65
APR: 365%

Company registration number CS20200000915 and certificate of authority No. 3261 granted by the Securities and Exchange Commission

CASHXPRESS SOUTH EAST ASIA LENDING INC.

Cost example: Loan of 2400 ₱ for 3 months, monthly payment 870 ₱, total amount 2610 ₱, annual percentage rate APR 145%.

Address: Avida CityFlex, 7th Ave. corner Lane T, Bonifacio Global City Taguig City, Philippines
Phone: (632) 7902 73 90
Email: customersupport@cash-express.ph
Term: 91-365 days
Age: 21 up to 70
APR: 145%

SIA JEFF (Loanonline.ph)

Address: registered in the Republic of Latvia with business number 4360308540
Email: support@loanonline.ph
Term: 91-365 days
Age: 20 up to 55
APR: 180%

FININITY LTD (Crezu)

Cost example: Loan of 10000 ₱ for 3 months, monthly payment 3000 ₱, total amount 15000 ₱, annual percentage rate APR 36%.

Address: Tartu Street 84a, Tallinn, 10112, EE
Email: compliance@crezu.net
Term: 91-365 days
Age: 18 up to 70
APR: 36%

MONEYCAT FINANCING INC.

Cost example: Loan of 2400 ₱ for 3 months, monthly payment 870 ₱, total amount 2610 ₱, annual percentage rate APR 145%.

Address: Unit 1701 Tycoon bldg Pearl Drive st. Brgy San Antonio Ortigas Center Pasig City, ph 1800
Phone: 09172092204
Email: support@moneycat.ph
Term: 91-365 days
Age: 22 up to 75
APR: 145%

DIGIDO FINANCE CORP.

approval rate for online loans is as high as 90%.

Address: UNIT 2/C, Murphy Center, 187 Bonny Serrano Road, Socorro, QUEZON CITY SECOND DISTRICT, NCR, Philippines 1109
Phone: (02) 8876-84-84
Email: support@kviku.ph
Term: 91-180 days
Age: 21-70
APR: 145%

SEC Registration No.: 202003056, and Certificate of Authority No. 1272

Mazilla

Cost example: Loan of 2400 ₱ for 3 months, monthly payment 870 ₱, total amount 2610 ₱, annual percentage rate APR 145%.

Address: Philippines
Phone: +44 (131) 608-05-01
Email: support@mazilla.ph
Term: 91-365 days
Age: 20 up to 70
APR: 143%

SCHAEFER LLC (Credify)

Loan of 5000 ₱ for 3 months, monthly payment 4936.67 ₱, total amount 14810 ₱, annual interest rate APR 795%.

Address: Saldus, Liela iela 9, LV-3801.
Phone: 09662558152
Email: info@credify.ph
Term: 91-365 days
Age: 20 up to 70
APR: 145%

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