Fast Cash Loan

Last update 27.02.2024
PH - Digido


Loan Amount 10 000 - 25 000 php
Loan period 1 - 6 mo.
Minimum age 21 year
Interest rate 143 %
  • Get your first loan with 0% interest

  • Payout to your account within 4 minutes

  • Don't require guarantors or guarantee deposits

PH - Loanonline


Loan Amount 500 - 25.000 php
Loan period 3 - 12 mo.
Minimum age 20 year
  • Quick response time

  • Borrow money anytime anywhere

  • Competitive interest rates

PH - Finbro


Loan Amount 1.000 - 20.000 php
Loan period 12 - 12 mo.
Minimum age 20 year
  • 0% interest on first loan

  • Fast response on SMS

  • No guarantor nor a payslip

Fast Cash Loan Philippines – What are they?

Filipinos are known to dream big when it comes to their future. Whether it’s buying a house or a new car, applying for loans has made it possible to achieve these goals. However, the process for loan application will take some time. This means that in situations when you are in dire need of extra cash, it would be hard when you try to apply for a regular loan. This is where fast cash loans come in handy.

Fast or quick cash loans Philippines get approved as quickly as 10 minutes to a few days at most. This type of loan can either be a personal or a salary loan. A variety of lenders in the Philippines offer this type of loan. You can avail of this loan through cooperatives, large commercial banks, or even fastcash loan apps.

Fast cash loans are a convenient way to access funds in case you need them immediately. This is an ideal loan for emergency cases since the processing time is quick and easy. Fast cash loans come either with collateral or without. Pawn shops are one example where you can loan quick cash by collateral.

Some items that can be used as collateral are the following:

  • Bicycle
  • Cameras
  • Car
  • Cellular Phones
  • Cookware
  • Gold and Diamond Jewelry
  • Guitars
  • Home Appliances
  • Kitchenware
  • Laptops/Macbooks
  • Medical Equipment
  • Motorcycle
  • Nintendo
  • Power Tools
  • Ray-Ban Sunglasses
  • Sewing Machine
  • Silverware
  • Tablets/Ipads
  • Watches

How to Avail?

Availing of a fast cash loan is easier compared to the other types of loans. Although fast cash lending companies may require different documents, the application process is similar. Most fastcash finance company inc. usually require you to fill out a registration form first. The next thing to do would be to submit the loan requirements and the registration form. If you are applying online, you must take a photo of the requirements and upload them.

Once your application is approved, you will receive the cash on the spot. However, this depends on the lending company that you applied for. Some might take one to three business days before you receive your cash.

For other lending offices like pawn shops, all you need is a valid ID and your item that will be used as collateral. Then, you must complete a form and submit it to them with your valid ID and the item. The processing time is quick and easy. Once your item is approved, you can get your cash on the spot.

Qualifications for Fast Cash Lending

Each lending companies have its requirements when it comes to fast cash loans. However, here are the basic requirements that any lending company will require for you to avail of their fast cash loans.

  • Filipino Citizen
  • At least 21 years old and not more than 60 years old at the maturity of the loan
  • Have a stable source of income
  • Must be able to present the following:
    • Certificate of Employment (If employed)
    • Proof of income (payslip, ITR, among others)
    • Valid government-issued ID(s) with picture
    • For business owners, Business Registration Documents (DTI and SEC Certificate)

For Quick Cash Loan Philippines, where Vehicles are used as Collateral

Lending companies that require collateral for quick cash loans may also accept vehicles. Here are the requirements for each specific type of vehicle,

Quick Car Loan

  • Acceptable Units: Second-hand units except for the following brands (Honda, Toyota, Mitsubishi, Isuzu, Ford, Suzuki, and Nissan)
  • Year Model: 2012 and up, provided not to exceed ten years upon maturity of the loan
  • Collateral: Original OR/CR

Quick Motorcycle Loan

  • Customer’s vehicle with standard plate number
  • Vehicle keys
  • Original OR/CR – this should not expire during the loan duration. CR should not be marked ENCUMBERED
  • Two Valid IDs
  • Odometer reading should not go beyond 80,000 km
  • The vehicle should be registered in the name of the customer

Where to Avail?

Reading through different fast cash loan reviews can help you identify which trusted lending companies where you can avail of fast cash loans. Here are some of the lending companies that you can check out:

M Lhuillier Quick Cash Loans

This lending company offers fast cash loans with minimal requirements as long as you have collateral. They accept items like jewelry, gadgets, motor vehicles, and more. Applying for a quick cash loan is easy since they only have minimal requirements. As long as you have a valid ID and your item is accepted as collateral, you may apply for a quick cash loan with them.

EasyRFC Multi-Purpose Loan

Radiowealth Finance Corporation offers EasyRFC Multipurpose Loan, where you can quickly loan cash where a considerable amount isn’t required. The loanable amount that they offer ranges from Php 10,000.00 to Php 150,000.00. The approval time is as fast as 24 hours, and the payment terms are up to 12 months. This is ideal for car repairs, tuition fee needs, travel funding, and gadget acquisition.

Citibank Personal Loan

Citibank offers a high loanable amount of up to Php 2 million. You can apply for this fast cash loan online. The interest rate is 1.26% per month. No collateral is needed when applying for a Citibank Personal Loan. This is ideal for funding vacations, emergencies, hospitalizations, or opening a new business.

Fast Cash Loan App Philippines

Applying for loans has been more convenient lately since they can be done online. An even more convenient way to apply for fast cash loans is through fast loan apps.

CIMB Personal Loan

CIMB is a digital bank where it also offers personal loans. Applying for a loan through this fast cash app takes about 10 minutes as long as you have your requirements ready. They also have flexible loan terms and low-interest rates. You can loan from a range of Php 30,000.00 to Php 1 million. The approval time is also only up to two banking days. This is ideal for emergencies like hospitalizations, major car repairs, or even funding a new business.

Tala Cash Loan

Another loan cash app that offers convenient quick cash loans is Tala. You would only need your smartphone to apply for a quick loan with them, where you can loan a minimum of Php 1,000.00 up to Php 15,000.00. Moreover, you can apply for a loan through their fastcash app anywhere, anytime. This is ideal for needs such as tuition fees or groceries. The approval time also only takes up to five minutes, so if you need a quick cash loan with a short approval time, this app answers your needs.

Finbro PH

Finbro PH is another fastcash app that you can check out. They offer a loanable amount of Php 1,000.00 up to Php 20,000.00. They also have a 0% interest on your first loan, and payslips aren’t required when applying for a loan through them.


Another app that offers instant cash loans is Digido. This lending app offers a loanable amount of Php 10,000.00 up to Php 25,000.00. Moreover, when applying for a loan with them for the first time, you get 0% interest. Payouts also take within 4 minutes, which is ideal if you need cash instantly. Another good thing about this lending app is that guarantors or guarantee deposits aren’t required.

Things to consider before applying for a Fast Cash Loan

  1. Choose your lending company according to your needs
    It’s essential to choose lending companies that can cater to your needs. Whether it’s applying online, through a mobile bank, or to a physical place, the lending company you choose to apply for should also be trusted. Also, the requirements that you have prepared should match the requirements that the lending company asked for.
  2. Borrow only what you can pay
    This is the essential thing you must consider before applying for any loan. It would be best always to borrow only what you can pay for. You don’t need to apply for another loan to pay for your current loan because you borrowed more than what you can only pay for.
  3. Check credit score
    Most lending companies usually do a background check before your loan application gets approved. In addition, they usually check whether you have a good credit score with other banks. This is to ensure that you can pay back your dues on time. Therefore, make sure you have a good credit score if you want your application to get approved quickly.
  4. Compare Interest Rates
    Comparing interest rates from different lending companies gives you a general idea of how much you will pay for your monthly dues. Go for lending companies with zero to low-interest rates to ensure you can repay your cash loan on the given due date.
  5. Length of Loan
    The loan length will also play a part in determining your total approved loan cost. This also depends on the type of loan that you need. Fast cash loans usually take up to 36 months. However, there are lending companies that offer more extended periods of payment terms. Therefore, do thorough research on lending companies that offer flexible payment terms that meet your needs.


Who is eligible for fast cash loans?

Filipino citizens who are 21 to 60 years old at the maturity of the loan are eligible to apply for fast cash loans in the Philippines,

How much money can be borrowed?

The amount of money that can be borrowed depends on the lending company that you applied for. The minimum loanable amount is usually Php 1,000.00, and you can loan up to Php 2 million as long as the lending company offers this amount for their fast cash loan.

Are personal guarantors required?

There are lending companies or lending apps that don’t require personal guarantors when you apply for a fast cash loan. However, note that the maximum loanable amount may be up to Php 25,000.00. Otherwise, you may apply for a loan of more than Php 25,000.00 but need to pay a higher interest rate.

How to pay a fast cash loan?

Paying for your cash loan will depend on the lending company you applied for. Usually, this can be done online, where you will need to pay your monthly dues. This includes the interest on the loan that you applied for. However, some lending companies would need you to pay through their remittance counter. So, when applying for a cash loan, please also consider the payment mode and whether you find it convenient.

How to get a fast cash loan?

Fast cash loans can be applied through any lending company offering this service. This can be done online or through a physical office. Once you have applied for a fast cash loan, they will need to screen your application first. Then, if your application gets approved, you will immediately receive your cash loan.

What is a fast cash loan?

Fast cash loans are a convenient way to access funds in case you need them immediately. This is an ideal loan for emergency cases since the processing time is quick and easy. Fast cash loans come either with collateral or without. Pawn shops are one example where you can loan quick cash by collateral.