How to Get Cash Loans in 1 Hour in the Philippines?

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

Key takeaways:

  • An online loan differs from a bank loan in that it is fast, has a high approval rate and is suitable for almost all Filipino citizens
  • Such loans are very much in demand in the Philippines because of speed
  • Digido is a fully automated online loan system that lends money 24/7
  • The interest rate at Digido is fixed, with no fees or hidden charges
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

Online loan is a small loan issued by a financial institution via the Internet. This type of crediting differs from banking in that it is issued quickly, with a greater likelihood of approval and to different segments of the population. Online system Digido gives instant cash loans in an hour in the Philippines without requiring proof of solvency.

instant loan in the philippines

What is Instant Loan in the Philippines?

Instant loans provide Filipinos with quick cash relief in times of emergency and other urgencies. These loans typically require no collateral, with low or high interest rates, flexible or strict loan terms, and can be paid online. You can even get an instant cash loan in the Philippines for as low as Php 1,000 – perfect if you only have a short-term urgency which needs quick funds!

Filipinos can apply for instant personal loans from banks, government agencies and private lenders, with varying requirements and processing times. Banks and government agencies generally have longer processing times, would require more documents, and have higher loan amounts and stricter terms.

Hence, Filipinos are getting more and more reliant on online lending apps for instant cash loans. These apps are convenient and easy to use, can grant high loan amounts in an hour or less, and can be repaid through online channels. Some online lending apps even grant instant cash loans in 1 hour without documents.

Get an Easy Cash Loan in 60 Minutes
  • First loan with 0% interest rate
  • Only a one valid government ID required
  • Get up to PHP 25,000 in just 4 minutes

Through these online lending apps, you can also get cash loans in an hour even without a bank account. Instead, the loan amount will be disbursed through the app itself or through payment partners and physical kiosks, if applicable.

There are lots of instant loan apps in the Philippines that can be easily downloaded on Android and iOs smartphones.

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a Big Bike Loan in the Philippines

How to increase the Chances of Getting a Cash Loan in 1 hour?

Are you in urgent need of cash? Curious about how to get an instant loan in 1 hour?

First, you can search online about lending apps in the Philippines. Go to comparison sites and compare the lending apps; in particular, focus on available loan amounts, interest rates, repayment terms, and other applicable charges.
This way, you can decide on a loan amount depending on applicable loan terms that will help you repay the loan easily.

It will also help you increase your chance of getting a cash loan if you can present some proof that you can eventually repay your loan. For example, get your proof of income ready (payslip, income tax returns, etc.) and present it while applying for the loan.
It will also help your case if you have a demonstrated history of repaying your loan in time without incurring any charge or penalty.
Some lending apps require a co-maker or person of reference so notify any person in advance that you’d like to list them as such.

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Buy Now Pay Later in the Philippines

How to Get a Fast Instant Cash Loan Online in 1 Hour in the Philippines

Digido – is a fully automated credit system that accrues money into debt. The system is designed in such a way that clients’ data is verified within minutes and the loan calculation is correct.
People often ask whether it is possible to get cash loan in 1 hour in the Philippines, if the money is issued online? The robot transfers money to any payment details: bank card or personal account. Thus, clients are not limited in ways of receiving money and can cash out a loan anywhere in the country. If you do not have a bank account or a card, it will not be an obstacle to getting a quick cash loan online in the Philippines.

Financial System Capabilities 

The robot on an expedited basis verifies the applicants’ forms with passport data. You only need a passport, registration on the web-site and mobile phone to get an instant cash loan in 1 hour  in Digido, so the system approves such a large percentage of loan applications, over 90%. The web-site works 24 hours a day! You can issue a loan from anywhere in the country. Your car broke down in the middle of the night? Do you need fast cash in the Philippines? Do not hesitate – leave a request on the web-site and get money within 60 minutes!

best loan app philippinesv

Easy Fast Cash Loan in 60 Minutes 🚀

To apply and qualify for an instant cash loan here in the Philippines, 

  • To be an adult citizen of the Philippines;
  • To have a working mobile number and personal account on the company’s web-site.

Even those who are denied banks can count on immediate financial assistance from Digido The system does not refuse those who have a bad credit history. The student, the unemployed, the pensioner and other categories of citizens with whom banks and financial organizations often do not want to cooperate can also receive money.

🚀 Money in as Fast as a Few Minutes! Best Quick Cash Loan at Digido with just 1 valid ID. Calculate your pre-approved loan amount and enjoy 0% interest on your first loan:

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.

Why you need to Get a Loan in 1 Hour in Digido

Are you interested in where you can get fast cash loan from direct lenders in the Philippines? If you want to get one hour cash loan Philippines quickly and without lengthy paperwork, contacting Digido is the best solution. Benefits of the system for clients:

  1. Full financial freedom: Firstly, the borrower can borrow any amount on consumer spending. There is no need to prove your solvency, to bring extracts from the work and to convince the system that you will be able to repay the debt. The loan, issued by us, is the property of the borrower, which he can dispose of at his own discretion. No transaction control, convenient loan terms, no checks and no reporting;
  2. Fast application process: Within 60 minutes the money is credited to the specified details – it can be cashed out at any minute. Thus, a person who is in a difficult situation can be sure that the financial assistance will be given on time;
  3. Absolute loyalty: Considering that the borrower interacts not with the person, but with the machine, miscalculations, personal antipathy and other factors affecting the loan issuance are completely excluded. All the robot needs is a phone number and passport data to enter it into the client base. Even if you are an unemployed student, it will not be an obstacle to getting a fast loan in 15 minutes in Philippines. The main thing is to pay off the debt in time.

The interest rates in Digido are fixed. There are no commissions or hidden fees. The formula of the loan basis ratio with interest rate is simple, it can be easily re-checked on a calculator. Digido also offers one of the fastest cash loan apps in the Philippines.

Learn More
How to Get Loans Online without Bank Account in the Philippines

Digido App

How to Get an Instant Cash Loan in 1 Hour without Documents?

People who have had an emergency often want to know if it is possible to get emergency cash loans in one hour? Yes, of course it is possible. Many financial companies give out emergency loans and can even give you fast loan in 15 minutes in Philippines

However, when you ask where you can get an instant cash loan with no documents, we have an answer that will not make you happy. Any legitimate loan company that operates under the law will ask you for at least 1 valid government ID. After all, you are borrowing money from them and the company must know who they are lending 1 hour loan approval to.

You can find a company that gives out 1 hour loans with no employment verification, but in this case you will get a loans online in 1 hour for up to 5000 pesos. There are also loan companies that give loans in 1 hour no credit check, also for a small amount, and once you pay it back you can get a larger amount. This way the credit companies insure you that you cannot pay them back.

It’s also a popular question as to whether it’s possible to take out online cash loans 24/7 without a bank account, and it’s possible in very many companies, especially those that have branch offices. You can get Digido loan via Bank account, E-wallet and GCash. Repeat borrowers can receive cash at remittance centers. Only 1 Valid ID needed to Apply!

Apply now

However, if you are offered cash loans in an hour in the Philippines and are not asked for documentation, it is likely to be a scam. We advise you to find another company and get a 1 hour payday loan there with as few requirements as possible. The Philippines has a huge range of excellent loan companies that will give you emergency cash loans in one hour and you can spend the money for any purpose.

Learn How to Get Easy
Fast Loan in 15 Minutes

How the System Issues Fast Cash Loan Online in the Philippines

It’s easier to cooperate with the robot than with a living person. Step-by-step instruction:

  1. Determine the desired amount and debt repayment period.
  2. Click on the “Issue” and fill in the short form with passport data.
  3. Send an application for consideration.
  4. Wait for the response. It comes by email.
  5. After a quick approval of the system, please read the points of the electronic contract and confirm it.
  6. Receive an SMS notification with a code. Enter the code in the appropriate field on the screen.
  7. Get the money.


If you have a bad credit rating, it will not affect the size of the online cash loan in an hour in the Philippines. We took into account that the credit rating may be reduced due to an error in the banking system of crediting. You can count on Digido!

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Payday 24/7 Loans in Philippines

Why was I not Approved for an Instant Cash Loan?

While instant loan apps in the Philippines are commonly known for quickly granting loans left and right, there are some times when they have to decline an applicant. If and when this happens, a rejected applicant may wonder where they went wrong and how they can re-apply and eventually get their desired loan amount.

Here are some reasons why your cash loan application was not approved.

  1. You don’t meet the requirements
    Every lender or lending app has their own set of requirements before granting a loan. For example, some lenders may not grant a loan to someone with no credit history, or to someone who does not have a stable job or income. They can also reject a loan application from someone who submitted incomplete requirements (ex: no proof of income, proof of address, no co-maker/reference, etc.) or does not meet a certain age requirement.
  2. You have no credit history
    While lending apps generally do not require a proof of credit history, some established lenders will look into your credit history and gauge whether you deserve the loan or not. If you have no credit history – or worse, have a bad credit history – chances are your loan application is going to be rejected.
    You can increase your chances of getting a loan through building your credit history. Paying your bills on time, diligently paying your loans on time, and not taking on too much debt can improve your credit history.
  3. You have no solid proof of income (or no stable source of income)
    First and foremost, lenders are concerned about your ability to pay your loan, that’s why even online lending apps will require you to show some proof that you have a source of income. Having no income will make a lender doubt your ability to pay, hence rejecting your application or giving you a loan with limitations (e.g. lower loan amount, higher interest rate, collateral, etc.)
  4. You provided incorrect or insufficient information
    Lenders and lending apps may automatically reject your application if you provided incorrect information about yourself, or you submitted an incomplete application form. Make sure that your information is accurate and complete before submitting the form.
  5. You have existing loans
    Lenders are also less likely to grant you another loan if you already have existing loans that you have yet to pay back in full. Prioritize paying off these existing loans first before you apply for a new one.
🚀 Get a Quick Loan at Digido
in less than 1 hour

Why Peope Choose Digido Instant Loans in the Philippines

All operations are performed online - you don't have to leave your house
In only 4 minutes you can receive up to 10,000 pesos in your bank account, and up to 25,000 pesos for repeat borrowers.
We don't require guarantors representation, documentation, or guarantee deposits.
We only require 1 government valid ID

Learn information about
Dragonpay Bills Payment

What is the Reason for Requiring a Fast Loan from Digido?

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Online Blacklisted Loans instant Approval



  • Are Online Loans Legit?
    Yes, many companies in the Philippines issue loans legally and have a registration number in the government registry. For example, Digido has SEC Registration No. CS202003056
  • How Do Online Cash Loans In The Philippines Work?
    More often than not, you can apply for a quick loan online at the company's website. You will need 1 valid ID. The amount will go to your account or you can get it at the company's offices.
  • What is the easiest loan to get approved for?
    The easiest way to get a loan for a small amount of up to 10,000 pesos and a short term of up to 15 days, such as in Digido. Also, additional documents and a high credit rating will increase your chances of getting one.
Disclaimer and Editor’s note


Digido Financial Writers Team is a team of experts in the field of finance and credit, specializing in writing articles for Digido blogs.
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 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!👍
  • Charie
    Amazing! So easy to loan and approval is very fast only a minute. That's why I rate this with 5 stars.
  • Angel
    I have applied several times to Digido for a loan. They provide a personal loan within 1 hour. The process is always incredibly convenient and I can apply online using my smartphone, get approved and funds quickly! They don't require a lot of documents or collateral. It's convenient.
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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.
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    The service is very fast once you renew your loan as long as you are a good payor and on time always to pay your loan.Small interest for shorter days to pay your loan. Recommended to everyone.
  • Francisco
    When I really need money, I can always rely on Digido to provide me with a personal loan within 1 hour. This platform has a high approval rate - money is disbursed in less than 30 minutes. With Digido, I don't have to worry about a long application process or wait for days for approval. They really understand the urgency!
  • 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!
  • Miguel
    I needed financial help urgently and they provided me an instant cash loan in 1 hour straight to my bank card. The process was very fast. With just one document, I got the funds I needed to solve my urgent problems. I recommend Digido!
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