10+ Best Online Loan Without Credit Check Philippines instant approval

Loan without credit check Philippines is an online personal cash loan, supported 24/7 without having to check your credit score when approving the loan. This is a product of financial partners with the ability to support up to 60,000 pesos, receive money in 15 minutes.

To refer to the advantages and disadvantages of loans and the top 5 best online loan no credit check instant approval, let’s learn about retailasiaonline.com‘s article below.

Loan without credit check Philippines Overview

✅Top 10 Best loan without credit check Philippines	⭐ 1. Uploan, 2. Funpera, 3. Kviku, 4. Cashbus, 5. Lendpinoy
✅ Guide to	⭐ Apply for without credit check
✅ Loan amount	⭐ 500 – 80,000 pesos
✅ Interest rate	⭐ 1% – 3%
✅ Age	⭐ 18 – 65 years old
✅ Places in	⭐ Philippines
✅ Term	⭐ 1 – 12 months
✅ Requirement	⭐ National ID
✅ Pros	⭐ onlne loan guaranteed approval
✅ Cons	⭐ High-interest rates
✅ Evaluate the effectiveness	⭐ Good
✅ Bad credit	⭐ No credit check

What is loan without credit check Philippines?

Loan without credit check Philippines are online cash loans available in the Philippines. The lender will approve the loan based on the borrower’s personal information, without requiring a credit history check. Customers with a history of bad debt can still be approved for a loan depending on their overdue loan status and current financial ability.

Can you get a personal loan without credit check Philippines?

Yes. You can get a personal loan without credit check Philippines from online money lending partners.

Accordingly, you only need to fill in your personal information in the registration form on your phone or computer with an internet connection, no need to meet in person, automatic approval without checking your credit history, quick disbursement within the same day.

Some advantages of online loan without credit check Philippines

Urgent loans no credit check has many notable advantages, chosen by many people such as:

• The loan process is simple, convenient and flexible, only requiring at least 1 valid ID issued by the Government.
• Just register online right at home via phone or computer with internet connection, no need to meet in person.
• No need to consider credit history, no need to prove income, no need to have valuable assets to mortgage, no need for a guarantor.
• The approval rate is quite high, usually over 90% of customers who apply for a loan will be approved.
• Automatic approval, super fast disbursement, receive money via bank transfer.
• Flexible payment methods.
• Secure data, do not disclose information to third parties.
• Accepting loan for bad credit Philippines.

Risk of loans in 15 minutes no credit check Philippines

In addition to the above outstanding advantages, no credit check loans guaranteed approval direct lender has some disadvantages:

• The limit is not too high, not suitable for those who need to borrow money to buy a house, car, business, etc.
• Repay debt in a short time.
• Interest rates will usually be higher than those of traditional banks.

What are the interest rates for online loan no credit check instant approval?

Online loan without credit check Philippines usually has annual interest rates from 143% to a maximum of 180%/year (about 11.9% to 15%/month).

Some lenders will offer 0% interest rates for customers applying for a loan for the first time. In addition, the loan will have additional service fees, processing fees, transfer fees, etc.

The amount of urgent loans no credit check

The limit for loans in 15 minutes no credit check Philippines is quite low, usually only from 500 to 25,000 pesos. Some lending partners can approve up to 60,000 pesos, depending on the financial ability and reputation of the borrower.

Requirements for no credit check Philippines

Conditions for registering for a personal loan without credit check in the Philippines are very simple:

• Have Philippine nationality, 18 years of age or older.
• Have a job with a stable income.
• Have a valid, current ID.
• Have an official bank account.

Top 5 best loans without credit check Philippines (2025)

#1. Uploan – Loan without credit check Philippines

Uploan is a personal loan without credit check Philippines, an online unsecured loan product developed by New Cross Credit Gate Ph Inc since 2017. The loan is SEC registered, operating legally. Customers will receive quick loans from 10,000 to 500,000 pesos, installments from 1 to 12 months with interest rates from 0.95% to 1.5%/day.

Address: H.V. Dela Costa Street, Salcedo Village, Makati, Metro Manila 1227, Philippines.

Pros:

• Legal operations, simple procedures, 24/7 online loans.
• The limit is quite high, approval and disbursement within 24 hours.
• Transparent terms and conditions.

Cons:

• Requires additional documents to prove income such as salary statements or payroll.
• Interest rates are quite high.

#2. Funpera – Urgent loans no credit check

Funpera has urgent no credit check loans owned by DF Credit Lending Corporation. The company has started online cash lending operations since 2020 and has been certified to operate legally. You will be able to borrow from 1,000 to 20,000 pesos, repayable in 3 to 6 months with an interest rate of about 24%/year.

Address: 602 Primeland Market St. Madrigal Business Park, Muntinlupa City, Philippines.

Pros:

• SEC registered, reputable operation.
• No need to mortgage assets, no credit score checks, quick loans anytime, anywhere.
• Fast approval and disbursement.
• Flexible payment, information security.

Cons:

• Low limit, short term.
• High interest, high service fees.

#3. Kviku – Online loan without credit check Philippines

Kviku is an online loan without credit check in the Philippines, considered the top reputable loan in the Philippine financial market. SEC registered loan, operating since 2017.

You will be able to borrow from 1,000 to 30,000 pesos, short term 7 to 30 days, interest rate 1%/day. The first loan will be a maximum of 7,000 pesos at 0% interest.

Address: 601 Summit One Office Tower, 530 Shaw Boulevard, Barangay Highway Hills, Mandaluyong City, Philippines.

Pros:

• Legally certified, has supported loans for more than 1.5 million Filipinos.
• Loan procedures are easy, no financial proof required, and support for bad debt.
• Approval in 5 minutes, same-day disbursement, 24/7 online support.
• Payment time can be extended.
• Flexible payment methods and payment methods.

Cons:

• The loan period is very short, the limit is not too high.
• Interest calculated by day.

#4. Cashbus – Loans in 15 minutes no credit check Philippines

Cashbus is a loan in 15 minutes no credit check Philippines, operating since 2019 and trusted by many customers. You will get a quick loan from 1,000 to 10,000 pesos, payment from 7 to 91 days with an average interest rate of 1%/day.

Address: Unit 701A Salcedo builders Center Building, Legaspi Village, Makati City, Philippines.

Pros:

• Online loans available, 24/7 support, no credit history check, no appraisal required,
• No hidden fees, no service fees.
• Payment time can be extended.
• Personal data will be kept confidential,
• Receive disbursement in minutes.

Cons:

• The limit is quite low, the term is short.
• High interest rate.

#5. Lendpinoy – No credit check loans guaranteed approval direct lender

Lendpinoy is a no credit check loans guaranteed approval direct lender, operating since 2018 under the supervision of AND Financing Corporation.

The loan has a limit from 3,000 to a maximum of 60,000 pesos, you can choose to make a one-time payment after 30 days or a term payment over a period of 3 to 6 months, with an average interest rate of about 6%/month.

Address: JP Rizal Street, Barangay Olympia, Makati City, Metro Manila, 1200, Philippines.

Pros:

• Legal operation, 100% online registration without face-to-face meeting.
• Simple procedure, just need a valid ID, no need to check credit history, no financial proof required.
• No hidden fees, no service fees.
• Automatic approval in minutes, quick disbursement within 24 hours.
• Absolute confidentiality of personal information.

Cons:

• The loan term is quite short.
• Required documents proving income.

Compare to no credit check loans guaranteed approval direct lender

Comparative criteria	Funpera	Online Loans Pilipinas	Lendpinoy
Limits	1.000 – 20.000 pesos	1.000 – 30.000 pesos	3.000 – 60.000 pesos
Tenor	91 – 180 days	7 – 30 days	30 – 180 days
Interest	24%/year	1%/day	6%/month
Age	Over 21 years old	From 22 to 70 years old	Over 21 years old
Browsing time	10 minutes	5 minutes	10 minutes

Sources: Refer to Sate Bank reporting and research.

Read more:

• How to get approved for car loan with bad credit Philippines?

Frequently ask question

Which bank gives loans without credit check Philippines?

Normally, traditional banks in the Philippines that provide unsecured personal loans will require checking the borrower’s credit history. Banks will lend higher limits than financial institutions, but will not support borrowers with bad debt.

Where can I get a loan without credit check Philippines?

You can register for urgent loans no credit check quickly, simply and easily at the homepage or application of online lending partners. You should choose partners that are SEC registered, certified to operate legally, have simple loan procedures and high approval rates such as Uploan, Loanpinoy, Funpera.

How to get an education loan without credit check Philippines?

Students over 18 years old, living and working in the Philippines can register online for a loan without credit check Philippines to support educational purposes such as paying tuition and buying school supplies with a low limit. In addition, you can contact the school or the Government to apply for scholarship support if you have good academic results.

Finally

Above is detailed information about loan without credit check Philippines that you can refer to when you need cash urgently.

Lendpinoy is considered a reputable loan, has been legally certified and can support bad debt with a fairly high approval rate. You can receive up to 60,000 pesos, paid in 1 time or in installments over a period of time.

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