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⏰ Fast Loan in 15 Minutes in the Philippines

Last updated: April 11, 2024
Written by: Alyssa Divina | Reviewed by: Digido Financial Writers Team

Key takeaways:

  • Fast loans are very popular in the Philippines because of the quick approval and easy requirements.
  • You can apply for a Digido quick loan in 15 minutes and get it the same day.
  • Fast loans in 15 minutes are available online, you only need a smartphone with internet
  • In less than 15 minutes you can receive up to ₱ 25,000.00 in your bank account
How much money do you need?
10 000
min ₱ 1 000
max ₱ 10 000
You will have to return*: 10 000
All your data is under secure protection!
*Interest payments are approximate. The final loan amount and interest rate must be confirmed in your loan agreement after loan approval
Who can get a Digido loan?
You are 21-70 years old
You are a Filipino citizen
You have a valid government ID

Fast Loan in 15 Minutes

Fast Loan in 15 Minutes: What is?

Loan in 15 minutes is a short-term form of borrowing that provides a fast decision and a quick payout. When your available cash is low, and your source of cash will take several days to come, applying for loans in 15 minutes will help you quickly resolve your financial situation without having to wait.

Get Money in as Fast as a Few Minutes!
  • with 0% interest today
  • Only 1 Valid ID to Apply
  • Up to PHP 25,000 in only 5 minutes

This form of borrowing is one of the most popular ways of solving an unexpected bill or emergency expense a person is faced in the Philippines. The lender literally grants loans in just 15 minutes. The reason why it is so fast is that lenders do not ask for explanations and don’t include paperwork or any other bureaucratic procedure.

Benefits of Fast Loans in 15 minutes

Here are the main benefits of fast loans in 15 minutes.

  • Easy and Transparent Process

The process is fast and simple. Lenders tell upfront their requirements and charges. Before you apply, you already know how much to pay and how. Also, there are no hidden charges for fast loans in 15 minutes.

  • 24/7 Availability

An urgent need for money can happen at any time. Because loans in 15 minutes are available online, you 

only need a device such as a smartphone with an internet connection so you can apply anytime and anywhere at your own convenience. There is no waiting time. Just apply for fast cash loans on any official lending website.

  • Minimal and Paperless Documentation

Minimal documents are required, which usually include proof of identity and proof of income. While each lender has its own requirements, many of them look for similar documentation. Physical documentation is not required with an online loan procedure. All documents presented are verified through the intelligent mechanism of the loan app.

  • Fast Approval

When you need the money ASAP, these fast loans really get approved fast. It saves you from worry and 

stress as you don’t have to wait for days to get the amount in your account.

Read all about How to get
Fast Emergency Loans

  • Flexible Payment Option

Your loan return period can be adjusted to make things more manageable for you.

Best Lenders Providing Loans in 15 Minutes

It is important to compare loans in order to find the right loan offer that is compatible with your needs. You can search online for lending apps and go to comparison sites. Compare the lending apps, specifically about the available loan amounts, interest rates, repayment terms, and other applicable charges. Here is a list of best Phillipino lenders for your perusal and comparison.

Most Popular Lenders with First Loan Free of Charge

First Loan for New Clients (php) Loan Term (days) Max Amount for Repeat Clients (php) Interest for New Clients (%) Interest Rate for Long Term (%)
DIGIDO 1,000 – 10,000 900 – 180 25,000 0% 11.9% – per month
UNACASH 1,000 – 50,000 60 – 180 50,000 0% 16% – per month
MONEYCAT 500 – 20,000 90 – 180 20,000 0% 11.9% – per month
FLINBRO.ph 1,000 – 50,000 365 50,000 0% on request
ONLINE LOANS PHILIPINAS 1,000 – 7,000 90 – 720 30,000 0% on request
ONLINELOAN.ph 5,00 – 7,000 30 – 365 25,000 0% 11.9% – per month

Fast loans in 15 minutes is a particular type of loan offered by a variety of lenders in the Philippines. To make sure that it is a legitimate loan company, check for its information contact, and you can reach out to the Securities and Exchange Commission if it is duly registered and licensed to operate.

Digido Fast Approval Loans

Need a quick, sulit and legit loan? Apply for a loan from 1K up to 25K using 1 valid ID only. Calculate your pre-approved loan amount with Digido calculator:

I want to borrow ₱ 10000
Min: ₱ 1000
Max: ₱ 20000
Payment Terms 10 days
7 days
21 days
My Monthly Gross Income ₱ 20000
You return*: 10 000
All your data is under secure protection!
We recommend taking a loan!

* Interest payments are approximate. The final loan amount and interest rate must be confirmed in your loan agreement after loan approval.

How To Get a Fast Loan In 15 Minutes?

Although lenders have different approaches to extending credit, getting a fast loan in 15 minutes requires similar steps to follow.

  1. The first step for an online loan is to create a user account on the portal. You must complete the form with your personal data. Typically, you only need your ID and proof of income. You upload these necessary documents to prove your creditworthiness. For repeat borrowers with no pending loans, the documentation is often omitted for the second loan.
  2. The second part will be for the system to evaluate the application and will give you a decision within a few minutes.
  3. Thirdly, once the loan agreement is approved, you confirm your consent to obtain the loan online. You will receive the confirmation code via a message or call, and you will receive the money in the specified account you have indicated within a few hours. 

Who Are Eligible to Apply for a Quick Loans?

Here are the usual requirements for a fast loan in 15 minutes:

  • Filipino citizen
  • Borrower must be at least 21 years of age and not more than 60 or 70 years old at the maturity of the loan.
  • Have a stable source of income
  • Must be able to present valid government-issued IDs with a picture, proof of income such as payslips, ITR, among others, Certificate of Employment for employees, and Business Registration Documents such as DTI and SEC Certificates for business owners.

How Does A Fast Loan In 15 Minutes Work?

Most Filipinos who want to take a loan prefer an online loan as it is fast and has a high approval rate compared to bank loans. Because of the speed of processing, it became very much in demand in times of urgent need. Lenders have fully automated online systems which are operated 24/7. Through these online apps, you can get loan amounts in an hour or less. Making Filipinos turn to instant cash loans.

Instant loans can easily be downloaded on Android and iOS smartphones. The system is designed in a way so that borrowers’ data can be verified in minutes, and the calculator is always correct. Upon approval of the loan, the robot transfers the money to any payment details, may it be a bank card or personal account. This allows the client to receive the money and can cash out anytime and anywhere in the country. The financial system capabilities are wide-range. The website works 24 hours a day, every day. It verifies documents in minutes, so the system approves a large percentage of loan applications. It can issue a loan at the client’s convenience.

Learn about
Multi-Purpose Loans in the Philippines

Digido Valid ID's

How To Improve Your Chances Of Getting A fast Loan?

Here are some tips that will boost your chances of getting a loan in 15 minutes.

  • Check the lender’s eligibility requirements. Go over all the requirements of the lender to avoid being rejected for reasons like your age or income.
  • Avoid applying for multiple loans at the same time or when you have existing loans. When greatly in need, there might be a tendency to apply for many loans at the same time with the hope of increasing your chances of getting approved. Take note that loan applications may lead to hard inquiries, which may result in your loan being disapproved. Also, lenders are less likely to grant you another loan if you have an existing one. Pay off your existing loans first before applying for another one.
  • Choose your lender wisely. Avoid settling for the first lender that comes across you, do a thorough check to ensure that you do not miss out on other available offers. It is very important to choose the right lender to ensure a smooth sailing and successful loan experience.
  • Should the lender requires a co-maker or reference, notify that person in advance that you like them to be listed as such. You can add your spouse or parents as a co-applicant, especially if their income is higher than yours, as this will add to your repayment capabilities.
  • Mention all of your income sources. Make sure that you give information about additional income aside from providing your basic income details. This will not only increase your chances of loan approval, but you will also be qualified for a higher loan amount. Present proof that you have the ability to repay your loan. Show proof of income, such as income tax returns, payslips, and others.
  • Show your loan repaying history. Show that you are paying your obligation on time, as seen by no charges or penalties incurred.

Learn How to Take
a Quick Medical Loan

Advantages of Fast Loans in Digido

As shown from the comparison made with other online lenders, Digido distinguishes itself from its competitors by providing a fully automated online portal as well as highly innovative, customer-friendly financial solutions. Its automated loan lending system makes independent decisions on each application and transfers funds in a matter of hours. They offer a variety of loans, ranging from 0% interest promotional loans to non-collateral loans of up to PHP 25,000.

Apply now

As a licensed lender, Digido strictly complies with lending rules and regulations. They do not raise interest rates to compensate for the risks of a borrower with a poor credit history. The interest rates are fixed. Similarly, they do not engage in unethical practices such as charging hidden fees or demanding upfront commissions to take advantage of the applicant’s vulnerable position. Digido understands that not everyone can apply for a loan using its online platform or mobile app. With their customer-friendly approach and domain expertise, their banking professionals assist such people in obtaining the appropriate loans with minimal confusion or inconvenience. And you have the option of coming to their office or making a loan through the website.

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Gadget Loan Requirements

best loan app philippinesv

When Should You Ask For An Fast Online Loan

Not all financial institutions offer emergency loans. A fast loan in 15 minutes should only be availed of in cases of emergency. Emergencies come up when you least expect them and an emergency loan might only be the available option to fend off an even greater problem. Here are some instances of why you need a fast Digido loan.

  • Pay hospital and medical bills
  • School tuition fees
  • Calamity funds needed in times of floods, fire, earthquakes, and similar events
  • House repairs and other home improvement projects
  • Funeral costs
  • Moving costs
  • Other expenses such as consolidation of debt, large purchase, cover a major life milestone and pay for a vacation

Can I really get a loan in 15 minutes?

Many Philippine finance companies promise that you will get cash loans in 15 mins. Is this true? We looked at several loan conditions from different companies and came to the following conclusion. It only takes 15 minutes to check your application. It is undoubtedly a very fast cash loan Philippines with sure approval, but it is incorrect to call it 15 min cash loan.

But the whole loan process will take longer. Add to this the time for filling in the online application form, entering personal data and signing the loan agreement, sometimes a conversation with the company’s operator, and you will realize that 1 hour cash loan in the Philippines is not quite true. In fact, it takes about an hour, which is also very fast. So remember that 1 hour emergency loan actually looks like fastest loan approval in the Philippines and calculate your time correctly!

If you want to take out a payday loan in 15 minutes with a bad credit rating, expect a small amount, then you have a better chance of being approved. If you pay back the loan on time, the company will approve a larger amount next time. And if you come here regularly for loan cash in minutes in the Philippines and pay them back, your credit score will improve in a few days.

Fast Loan in 15 minutes Philippines


A proper financial plan can make you financially independent. However, there are unexpected events that require money, without which will destroy your stable financial standing. To see you through these unforeseen situations, you may borrow from relatives or friends, but they are not always in good financial health like you. Traditionally, banks are the best options. Unfortunately, they require a broad range of requirements, a good credit score, and a long approval time. As an alternative, getting an online loan becomes the best option to solve your immediate money requirements.

Digido is considered to be one of the best online lending companies in the Philippines. All their operations are performed online, their service is fully automated, and doesn’t require guarantors, representation, documentation, or guarantee deposits. It has served countless clients who continue to be repeat borrowers. 

Best Quick Cash Loan at Digido
First loan with 0% interest!

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Motorcycle bank loan in the Philippines


  • 🟣 How to borrow in 15 minutes without a salary and with a bad history of credit?
    You can find a company that gives out fast loans with no employment verification but you will get loans up to Php 5,000 only. You can also get a loan with bad credit history for a small amount, and once you pay it back, you are allowed to get a larger amount.
  • 🟣 How to get a loan in 15 minutes without a credit card?
    Many lending companies, especially those that have branches, can give you a loan without a credit card. Just go to their branches and get the money in cash by showing one ID. As a matter of fact, most loans in 15 minutes don’t require a credit card as they practice minimal documentation.
  • 🟣 Which lenders provide fast loan approval with no credit check?
    There are several lenders in the Philippines who provide fast loan approval without credit checks, such as Digido, Unacash, and Flinbro. Digido is one such lender that gives loans even to people with no credit checks. Digido does not segregate borrowers based on their credit history, as their loan conditions are the same for all. You can apply for fast loan approval with no credit check up to Php 10,000.
  • 🟣 Why was I not approved for an instant cash loan?
    The most common reasons why your cash loan application was not approved include: You did not meet the requirements, you provided incorrect or insufficient information, you have existing loans, no solid proof of income, and no credit history.
  • 🟣 Can I get an online cash loan 24/7 without a bank account?
    Yes, you can go to one of the lender’s branches, and get money in cash by showing one valid ID.
Disclaimer and Editor’s note


Alyssa Divina
Author pages:
Alyssa Divina pens blog articles about a wide range of topics, such as money matters and government transactions in the Philippines. Prior to joining Digido Finance Corp., she served as a journalist for Charlton Media Group, a business news magazine, for two years. She holds a degree in Journalism from the University of the Philippines Diliman.
Digido Financial Writers Team is a team of experts in the field of finance and credit, specializing in writing articles for Digido blogs.

Digido Reviews

  • Noel
    Fast approval and cash disbursement. They have considerations. They are very professional and without any harrassment in reminding payment unlike other loaning app. Recommendable site!👍
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    Amazing! So easy to loan and approval is very fast only a minute. That's why I rate this with 5 stars.
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    I give 5 star in this app. Nice app, very fast approval and they are very professional and the agent is very good. I recommend this app to my friend and family.
  • Bayani
    You can actually get a loan in 15 minutes here and the application process took even less time. I really liked the mobile App, it's simple and easy to use! Rated Digido - 5 stars!
  • Janine
    I think this is one of best apps in money lending. The term is longer and they have options. Loan amount is also acceptable. Very helpful for people in need. Keep it up!
  • Isidro
    Convenient! I downloaded the app and got a fast loan in 15 minutes or even faster! Only one document was required for loan approval. By the way, for repeat borrowers they also offer cash disbursement, which can be done through partner like Palawan Pay. It was convenient because there wasn't an ATM nearby! The service is excellent!
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