Quick Cash Loan in Manila, Philippines

Last updated: April 11, 2024

Key takeaways:

  • Quick loans are very popular in Manila, but online loans are especially in demand today
  • Digido is a registered lending company in Manila with low interest rates
  • You can get your first loan with no interest at all
  • With Digido you can get up to 25,000 pesos without office visit
  • Digido is the go-to platform for those looking to borrow in Manila
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

A loan is a common part of life. We do not really know when we will face emergencies, and it is a good thing that there are financial institutions in Manila and the rest of the Philippines that can lend a helping hand in times of need. Today, we will take a look at the loan situation in Manila and the rest of the country. By the end of this loan tutorial, you should have a clear perspective about loans and be ready with your documents.

Get a Quick Personal Loan in Manila
  • First loan with 0% interest rate
  • Loans without any collateral and guarantors

Quick Cash Loans in Manila

A quick cash loan in Manila is a kind of loan where you do not have to go through a long process. These loans typically do not require a collateral, and you can get approved or denied in as short as 10 minutes. While many Philippine banks offer personal loans, we still cannot categorize them as quick cash loans. Many banks offer personal loans, but these loans take at least a week to get approved. Besides, the application may require detailed information, and the way you answer these questions will affect how they decide about your loan application.

So, what is the alternative? The alternatives are the following:

  • Lending corporations. It’s a good solution for people who need urgent money. But the interest here can be higher than at the bank.
  • Peer to peer lending companies online. The disadvantage of this type of credit is that there are many illegal companies that are not regulated by the government. You can get the money successfully, or you can get problems.
  • Pawnshops. It’s a good way out for people who have bail things out. But if you don’t return the loan, you’re going to lose those things.

We will take a look at some of these alternatives, and we hope that you get enlightened which one of them is the best.

cash loan manila

👉 Find out How to Get
Lowest Interest Personal Loan in the Philippines

Digido Lending in Manila: Quick Loans

Digido is a easy loan lending in Manila, known for its fully automated lending system. This unique approach ensures that loans are granted at any time of the day, eliminating the human factor and guaranteeing objective decision-making. The funds are transferred instantly upon approval. Digido is a Philippine company that is duly registered in the Philippines, being a state-licensed and legitimate lender, Digido adheres strictly to all lending rules and regulations.

But why use it?

Benefits of Digido loans in Manila

Digido offers financing loan options in metro Manila tailored to meet individual needs. With minimal documentation requirements, a high loan approval rate, and immediate fund availability, even for those with less-than-perfect credit histories, Digido has made online loans a preferred choice for many Filipinos. In the bustling streets of Manila, Digido stands out as an “easy loan lending in Manila” solution, providing financial relief when it’s most needed.

Here are some of the advantages of Digido easy loan lending in Manila:

  • Receive up to PHP 25,000 within 5 minutes
  • Fast loans with a 0% interest rate for first-time borrowers
  • Apply and receive loans online at any time and from any location via website or mobile app
  • Only 1 ID required, with additional documents to enhance approval chances
  • A solution for those rejected by conventional banks
  • Loans available even without bank accounts; receive the loan directly to your Cebuana Cash Pick-up or a G-cash account or in cash
  • No collateral or guarantors needed
  • Over 95% of applications get approved

manila easy loan lending

Digido Personal loan in Manila: Terms and Requirements

Now, let us take a look at the terms of the loan if you apply at Digido. We will also try to compare these loans against other financial institutions.

  1. Loan terms:
    If you are the first borrower, you can take a short loan up to PHP 10,000 with 0% interest rate. You will get approved in as short as 5 minutes. Digido need to verify your identity — the company will do a background check. If you are a repeat borrower, you can choose any loan term up to 180 days with loan amount up to PHP 25,000.
  2. Loan amount:
    If you are a first-time borrower, you can take a loan from ₱1,000 to ₱10,000 with 0% inetrest. Digido currently offers an interest-free loan to its first borrowers. If you are a second time borrower, you can loan a maximum of ₱25,000. Depending on your performance, the company may consider you for a higher loan amount.
  3. Borrower requirements:
    You must be a Filipino citizen between the ages of 21 and 70, and have a steady income. If you plan to loan, you need to prepare the following documents:
  4. We accept government ID’s:
    This can be your SSS ID, driver’s license, or passport. This must be an ID issued by the government that bears your photo. See the complete updated list of acceptable Valid ID’s for Digido Loan Application.

Supporting documents. We require only one valid government-issued ID. However, providing supporting documents such as payslips, COE, ITR, company ID, or DTI (for those self-employed or with a business) can be beneficial. If you have already paid back your first loan and you want to loan the second time around, you no longer need to present these documents. Just go on the website and apply for a new loan. Repeat borrowers may receive automatic approval.

What are the Features of Digido financing loan in metro Manila?

👉 Fully automated

Digido is a company that takes advantage of online technology. There is no need to appear in person. All you have to do is to register for an account online from the website, and then apply for a loan. Since it is fully automated, you just need to submit photocopies of your documents, and they will process the loan for you.

👉 High approval rate

Digido has a high-approval rate. This is because before you get approved for a loan, you need to submit proof of your identity and proof of your income. They are willing to take the risk to give you a loan even if you do not have a collateral.

👉 Online application

As mentioned earlier, the whole process of the loan application is online. Whether you are using a desktop or a phone, you can access the company’s website and go from there. Banks in the Philippines do not let you do this — you need to go to the bank, queue with other customers, and then sign some documents.

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.

Why do people get personal loans online?

Types of lending companies in Manila

lending in manila

Now, let us take a look at the different types of lending companies in Manila where you can get a loan.

✅ Banks – there are so many banks in Manila. The two biggest ones are BDO and BPI. Banks offer many kinds of loans, such as personal loan, housing loan, car loan, and so much more. The problem with banks is that they do not process loans as quickly as Digido. Also, they have a low approval rate.

✅ Pawnshops – they give you a loan, but you pawn gold, equipment or other valuable thing. However, this ensures that if you default on your loan, the pawnshop can seize your asset and then sell it to recoup the money you did not pay. This is a tad dangerous, especially if you are filing a loan for emergency purposes. You see, you are looking for a loan because you do not have money. If you offer your property as a collateral, you may lose that property. It is always best to get a loan where you can pay the interests and yet the lending company in Metro Manila is not going to seize your property.

✅ Private lenders – these are not exactly companies but people. These people could be your friends, relatives, or rich individuals who offer loans but not registered in the government as a loan company. These are sometimes called loan sharks. Such loans are not regulated by the government, which means they can break agreements and cheat you.

✅ Fast Lending Companies – fast lending companies are like Digido. Their main business is to offer quick loans to people who need money. When lending in Manila or other places in the Philippines, they no longer ask for collateral.

So far, the best place to get a loan is fast lending companies like Digido. They do not ask for so many questions, and they are quick to respond. When they lend money online in Manila, they provide quick results. They take 5 minutes to approve someone who applied for a loan.

The other reasons why people apply for loans are car loans and home loans. These loans, however, are not offered by fast lending companies. You can only avail of these loans from banks. Some car dealers offer in-house financing — you no longer need a bank for a loan. If you are buying a house from a developer, you can also get a loan from them instead of the bank. However, you will be paying a higher interest rate.

borrow manila

How to Get approval for online loan in Manila?

How do you get approved if you file for a loan in Manila? Let us share you some good tips to get you started.

  1. Carefully select a lender. Before applying for a loan, you need to choose a money lender online. The way you choose should be based on the loan term and the interest rate. Naturally, you have to pick a lender that allows you to pay for a longer period of time with lesser interest. You also should to pick a lender that processes your loan quickly.
  2. Do not have debts to other banks. Although credit score is not a big thing in the Philippines like it is in the US, it still exists. You will find it difficult to get approved for a loan in the Philippines if you owe money to other institutions, especially banks. Banks here have a group, and they share information with each other. If you have an existing loan from one bank, the other banks may not approve you.
  3. Keep your documents in order. Your documents prove who you are. You need to have at least two government issued IDs. If you do not have one yet, you better go to SSS and get one. You should also get a passport and a driver’s license. You must also prepare documents that prove your billing and income. Here are some examples:
  • Billing statement from utility companies or credit card companies
  • Income tax return
  • Payslip
  • Certificate of employment from your company

All loan companies will ask you for these things. You better prepare them now, not at the time you will apply for a loan.

Take as much as you can give away. You cannot loan millions of pesos of you are not earning the same. If you want to be approved for a loan, you have to borrow money that you can afford to pay. Although there is no golden rule about the percentage, the safe amount is no more than 30% of your net income. Loan approval is tough for banks, especially if you are applying for a big amount of money. The key to getting approved is ensuring that you have a good credit standing. If you have a credit card, you must pay it on time all the time.

You should also avoid applying for a loan if you still owe a bank money. Many loan companies, even those that are not banks, have an association where they can access your credit history. This is one of the things they will look at before approving you for a loan.

Get a quick loan in Manila!
Just one government ID needed!

Still haven’t found the right lending in Manila, take a look at Digido’s benefits:

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


  • Where can I get a loan of PHP 5000 in Manila?
    You can choose any of the official lending companies, the most important thing is to make sure that it is under the control of the state. We recommend Digido Lending Company.
  • Which type of loan in Manila is cheapest?
    Generally, secured loans are more advantageous than unsecured loans. However, quick loans without collateral and guarantors are much more affordable for Filipinos.
  • Can I get a loan in Manila with a low credit rating?
    Yes, you have that chance. Some lending companies may approve your loan for a small amount.
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.

Digido Reviews

  • Frederico
    One of the best Loan App, reliable, quick cash disbursement and they also give you alternative plan option to settle your debt, so far I'm satisfied with it 😊👍
  • Shariffa
    Very nice and friendly Customer Service. I borrowed 2x already and i never had a hard time. Just always remember to pay on time.
  • Mike
    When it comes to lending in Manila, Digido stands out with lightning fast approval speed and minimal application documents. I highly recommend and will continue to use Digido's services. Two thumbs up!
  • Janet
    For easy loan lending in Manila, Digido is the way to go. Especially useful if you don't have a bank account or your credit card is blocked. My application was processed in minutes, aand the funds were disbursed in 10 min! 👍
  • Asher
    The best online loan app. Low interest, friendly customer service and fast approval. It was my second time. Hope they will higher my limit amount loan. I'l keep my good record for this platform.
  • Arwel
    Very nice online application deserved a 5 star rate. Easy to fill up and very fast disbursement once your application is approved. Very helpful during this pandemic with low interest. The agent is friendly and professional to approach. I highly recommend this legit online app.
  • Ernest
    The app is efficient and user-friendly. It generates results in just a few minutes. Not only the system is laudable, the staff and its workers are polite ,respectful and courteous. They really know how to treat their clients well and find ways how to ease the situation that this pandemic brings. Congratulations to this company! You deserve a five star commendation!
  • Francis
    If you're looking for loans in Manila, look no further. Needed funds for a my small business idea and they delivered in record time. Quick, efficient, and super friendly!
Submit review
Submite review
Thank you for review!
Rating (4.99/5) 890 voted. Rate us

Download our app

  • Borrowing 24/7
  • Approval rate over 90%
  • 1 Valid ID