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Everything You Need to Know on Getting Laptop Loan Philippines

Last updated: April 11, 2024
Written by: Alyssa Divina | Reviewed by: Anna Kireeva

Key takeaways:

  • Laptop loans can provide an affordable way to purchase a new computer in the Philippines
  • You can secure a loan for freelancers and self-employed at Digido with 0% for first loan
  • Take a quick loan from Digido and use it to buy a laptop – the whole process takes no more than 15 minutes
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

Laptop Loan in the Philippines

Are you in need of a new laptop but struggling to come up with the cash to purchase one? Fortunately, there are several options for obtaining a laptop loan in the Philippines.
Whether you’re a student, freelancer, or small business owner, getting a loan for a laptop can be a wise investment in your productivity and success.

So, let’s dive in and explore how you can get the laptop you need to achieve your goals!

Get a Personal loan for a Laptop at Digido!
  • First loan with 0% interest rate
  • Loans without any collateral and guarantors


Why Are Personal Laptop Loans Becoming Increasingly Popular in the Philippines?

Personal laptop loans are a type of loan that allows individuals to borrow money specifically to purchase a laptop. These loans can be obtained from banks, lending institutions, or online lending platforms and can typically be repaid over several months to a few years.

Personal laptop loans are becoming increasingly popular in the Philippines for several reasons. For instance, the COVID-19 pandemic has forced many individuals to work or study from home, making a laptop a necessity rather than a luxury. That has created a significant demand for laptops, but many people may not have the financial means to purchase one outright. On top of that, the rising cost of laptops has made it difficult for many Filipinos to afford them without some form of financing.

Personal loan for laptop provide an affordable way for individuals to obtain a laptop without paying for it all at once.

The ease and convenience of obtaining personal loans have also contributed to their popularity. Many lenders now offer online application processes, making it easy for individuals to apply for and receive a loan from the comfort of their own homes.

Read all about
Gadget Loan Requirements Philippines

Perks of Using Loan for Laptop

Several benefits are associated with getting a computer loan instead of buying one outright. Here are some of the key advantages:

✔️Cost Savings
One of the most significant benefits of a laptop loan is its cost savings. Rather than paying for the entire laptop upfront, borrowers can spread the cost over several months or years, making the payments more manageable and affordable.

✔️Full Financing
Laptop loans typically offer 100% financing, meaning borrowers can borrow the laptop’s total cost without providing a down payment or collateral.

Laptop loans often come with lower interest rates than credit cards or personal loans, making them a more affordable financing option. Borrowers can also choose a repayment plan that fits within their budget, which can further reduce the financial burden.

✔️Uncomplicated Requirements
Loans for gadgets typically have uncomplicated eligibility requirements, which makes them accessible to a wide range of borrowers.

✔️Quick Disbursement
Loans for gadgets can often be disbursed quickly, allowing borrowers to immediately obtain and use their laptops. This can be especially helpful for students or remote workers who need a laptop for their studies or work.

Types of Loans for Computer in the Philippines

Laptops have become an essential device for many individuals in the Philippines, whether for personal or professional use. However, not everyone has the means to purchase a laptop upfront. Thankfully, there are various types of loans available in the Philippines that can help individuals acquire a laptop.

Here are some of the common types of loans for laptops:

Loan Type Description
Personal Loans Borrow a lump sum from a bank or financial institution to purchase a laptop. Repay the loan in installments over a specific period.
Buy Now Pay Later Individuals can purchase a laptop and pay for it over a certain period. This loan type allows individuals to spread out their payments, making it more manageable for them.
Manufacturing Financing Laptop manufacturers offer financing options for individuals to purchase their products. Buy a laptop and pay for it in installments directly to the manufacturer.
Credit Card Installment Pay for your laptop in monthly installments using a credit card installment plan. This option is available to those with a credit card and sufficient credit limit.
In-House Financing Purchase a laptop from a store and pay for it in installments directly to the store through their in-house financing option.
Salary Loans Employers in the Philippines offer salary loans for purchasing a laptop. The loan amount is deducted from your salary over a specific period.

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Get the Latest Appliances with an Appliances Loan in the Philippines

Where to Get Computer Loan

computer loan

In the Philippines, there are various organizations that provide loans for laptops.

Some of these organizations:

📌Digido  – Digido is a digital lending platform that offers personal loans, including loans for any purposes such as buying laptops. The loan application process is quick and easy, and individuals can apply through their website or mobile app.

📌BDO Unibank – BDO Unibank is one of the largest banks in the Philippines, and they offer personal loans, including loans for laptops. The bank offers flexible payment terms and competitive interest rates.

📌Abenson – Abenson is an appliance store that offers financing options, including loans for laptops. The loan application process is simple, and individuals can apply through their website or visit any of their physical stores.

📌Landbank I-STUDY – Laptop loan for students Philippines – LANDBANK has introduced an improved version of the I-STUDY Lending Program that allows students to apply for a loan of up to PHP 50,000. This loan can be used to purchase learning gadgets like laptops, desktops, or tablets. The amount can be included in the maximum loanable amount of PHP 150,000 per student or PHP 300,000 per parent-borrower, which covers the payment for tuition or enrollment-related fees.

How to get ⏰
Fast Loan in 15 Minutes in the Philippines

Why people choose Digido for Quick Loans

Digido App

Do you need a new laptop but don’t have enough money to buy the model you want? Look no further than t he robot service Digido Fast Loans. With Digido you can secure your laptop purchase and get the financing you need to upgrade your tech or for other purposes.

Digido is a financial technology company that provides an online lending platform in the Philippines. They offer a range of loan products, including personal loans. Digido uses advanced algorithms and big data analysis to evaluate loan applications and provide fast loan approvals.

The platform offers a range of benefits, such as:

  • The whole process is online. You can register and fill out the form without leaving your computer.
  • New customers who have not borrowed from Digido before are eligible for a 0% interest rate on their loan
  • Digido provides loans with a minimum loan amount of PHP 1,000 and a maximum loan of PHP 25,000
  • Getting approved is easy and fast, with a 5-minute approval process that doesn’t require any paperwork.
  • Repeat borrowers can take advantage of our installment loan.

Upgrade your tech and secure your laptop purchase with Digido Personal Loans today. Click “Apply Now” to get started and experience the ease and convenience of Digido for yourself!

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.

Requirements for Digido loans

How to Get Loan

In terms of requirements for laptop loans in the Philippines, lenders will typically require proof of income, government-issued identification, and a good credit score. Some lenders may also require collateral or a co-signer to secure the loan.

In contrast, Digido loans have uncomplicated eligibility requirements, making them accessible to a wide range of borrowers.
Unlike traditional loans that require a high credit score or lengthy application process, Digido loans can be obtained with minimal paperwork and eligibility requirements.

How can I get a Digido loan?

You can get a loan if:

  • A Filipino citizen, 21-70 years old
  • Has a valid government-issued ID
  • A working mobile phone number

Discover How to Easily Receive your Money in just 3 Steps

Tips: How to Choose a Reputable Lender

  1. Choosing a reputable lender is essential when taking out a laptop loan or any other type. Here are some tips to help you select a reputable lender:
  2. Check the lender’s reputation: Look for reviews and ratings online from other customers who have taken out loans from the lender.
  3. Research interest rates and fees: Look for lenders who offer competitive interest rates and reasonable prices. Ensure you understand the loan terms and conditions, including late payments or prepayment penalties.
  4. Consider the loan term: A longer loan may result in lower monthly payments, but you will pay more interest over time. A shorter loan term may result in higher monthly payments, but you will pay less interest over time.
  5. Look for transparency: Choose a transparent lender about their lending practices. Avoid lenders who are vague or misleading about their lending practices.
  6. Check for customer support: Finally, look for a lender with good customer support. Check if they have a customer service team that can answer any questions or concerns you may have about the loan.
Grab your dream laptop with a Digido loan!

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Motorcycle Loan in the Philippines


Overall, getting a laptop loan can be a great way to finance the purchase of a new computer in the Philippines.
Whether you’re a student, a professional, or anyone, a laptop loan can help you get the technology you need to succeed. And if you need assistance, Digido is always ready and happy to help you.

Read Where to Get
Loan No Requirements in Philippines with Minimum Documents


  • What is an installment laptop loan?
    A laptop loan is a type of loan that allows you to purchase a laptop or other computing device and pay for it over time with interest.
  • What are the requirements for personal loans in the Philippines?
    Generally, you must provide proof of income, a valid ID, and proof of billing. Some lenders may also require additional documentation or a co-borrower.
  • How much can I borrow for a laptop in the Philippines?
    The amount you can borrow will depend on the lender and your creditworthiness. Generally, lenders may offer loan amounts ranging from Php 5,000 to Php 100,000.
  • What is the interest rate for laptop loans in the Philippines?
    Interest rates range from 1.2% to 3.5% per month.
  • How long does it take to get approved?
    It can take anywhere from a few houres to a few days. Some lenders such as Digido may offer instant approval, while others may require more time to review your application.
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.
Anna Kireeva
Author pages:
Anna is a marketing communications professional who specializes in digital marketing strategies and long-form content.

Digido Reviews

  • Sofia
    Although I couldn't find a specific computer loan here, the terms and conditions offered by Digido were suitable for my needs. I decided to give Digido a try, and I'm glad I did. The loan process was smooth, and I received the funds in no time.
  • Emma
    I needed a laptop loan, and I stumbled upon Digido. Their services were fantastic, and I was able to get the financial support I needed to purchase a new laptop
  • Miguel80
    Digido Loans exceeded my expectations when it came to getting a loan for a laptop. The interest rates were reasonable, and the repayment options were flexible. I'm grateful for their support and would definitely recommend them to anyone looking for a laptop loan.
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