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Online Loans for Blacklisted

Last updated: April 11, 2024
Written by: Digido Financial Writers Team | Reviewed by: Anna Kireeva

Key takeaways:

  • If you don’t pay your loans, you get a bad credit history.
  • Most banks will refuse customers who have large debts.
  • If you have a small credit history error, you can apply for a loan from Digido.
  • Take a small amount and pay it back on time.
  • This will help you improve your credit history and get a bigger loan in the future.
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

What to do if there is an unexpected and unplanned event that requires you to have the funds? Bank loan can help you. But what if you are on the blacklist? State banks do not issue loans to persons whose data are contained in this database. However, financial companies can help you under certain conditions.

Online service Digido provides loans for those blacklisted in Philippine banks and with bad credit record. They offer affordable monthly payments, a large range of loan amounts and not too high interest rates. You can read positive Digido reviews on social media.

Quick Loans for Blacklisted
  • First loan with 0% interest rate
  • Get from PHP 1,000 up to 25,000
  • You can improve your credit history

How to get blacklisted and what the bad payment reputation means?

As soon as you do not make regular payments on existing loans, you get a negative record and a bad credit history. The creditor imposes certain sanctions on you. When you get blacklisted, you will be denied additional loans from any banks, even in those where a high approval rate is advertised (e.g. Home Credit bank). The reason is easily explained: the issuance of funds becomes too risky for them. If you are wondering how to check if you are blacklisted for credit in Philippines, contact the accredited credit bureaus and find out your credit rating.

Even if you repay the debt completely, it will take from three months to ten years to correct your credit history. The time required depends on several factors: the actions you are taking and the increase in the number of debts and their amount.

However, there are more loyal lending companies that offer urgent loans for blacklisted. As we have already mentioned, quick short term loans for blacklisted are available in the online loan service Digido. Digido is a fully legal lending company with SEC Registration No.: 202003056, and Certificate of Authority No. 1272. This Lending Provider is regulated by Philippine government law and has a list of advantages:

  1. Open 24 hours a day 7 days a week
  2. Quick! You can receive the money within 30 minutes
  3. Only one government-issued ID is required to obtain a loan
  4. More than 90% of applications are approved
  5. Age from 21 to 70 years
  6. Minimum loan amount is PHP 1 000, maximum – 25 000
  7. With 0% interest rate for first time
  8. It’s easy to fill out an application – just click Apply Now!
  9. All operations from the comfort of your own home
  10. Receive the Money via Bank account, E-wallet or GCash


easy loans for blacklisted

Unsecured Personal loan for Blacklisted up to PHP 25.000

Unsecured personal loan is a good option, depending on how much money you want to get. Personal loans in practice are often more profitable than other types of financing. You do not need to have collateral for an unsecured personal loan. But do not forget about the following circumstance. Interest rates, amount and term of payment will be different, depending on the credit rating.

Apply now

Note: Unsecured loans for blacklisted will be small and short-term. Digido offers to receive up to PHP 10,000 to new clients with 0% interest rate and up to PHP25,000 to repeated clients.

urgent loan for blacklisted

What motivates people to apply for a quick loan from Digido?

Learn about
Multi-Purpose Loans in the Philippines

How to Check My Credit Score in the Philippines

A credit score is an important factor when you apply for a loan. Banks use this record to determine how trustworthy you are as a borrower. But how do you check it? Today, we will show you how to know credit score in the Philippines. We will also provide some tips on how to improve it.

Why do you need a good credit score?

A credit score is the basis of your financial health. Without it, you will not be able to borrow. Even insurance systems use this information to make decisions.

An excellent credit score makes you financially trustworthy. For financial institutions to trust you, you need to prove that you are responsible and have a good payment history.

Your credit score is an indication that you pay what you owe and that you pay it on time. The credit score is proof that you do this.

How to check my credit history in the Philippines

The Philippines has a law called the Credit Information System Act. Also called Republic Act 9510, or RA 9510, it has a centralized registry of credit data in the Philippines. It is the Credit Information Corporation, or the CIC.

The CIC has the authority to collect information about an individual or a business and then consolidate the information. However, institutions cannot use it to expose borrowers’ information because that is against online lending harassment in the Philippines 2023.

From here, the organization can share the report with financial institutions. Banks get credit references in the Philippines from CIC.

Banks and other companies like those in the telecommunications industry have access to these reports. People can also check data from the CIC website in the Philippines in their personal accounts.

Accredited Bureaus of the CIC

The CIC cannot manage the reporting on their own. So, what they did was work with companies that could help them and get the job done.

These organizations are:

  • CIBI Information, Inc.
  • Compuscan Philippines
  • CRIF Philippines
  • TransUnion Philippines

You must go to their respective websites for all these organizations to get your credit history. For example, if you want your Transunion Philippines credit score, you have to go to their website and request a report.

There is a fee to pay and suffice it to say that you must prepare at least ₱200 for the processing. You also need to fill out the application form.

There is no free credit report in the Philippines even if you go to a government-accredited organization like CMAP. The CMAP meaning in the Philippines is the Credit Management Association of the Philippines; you have to pay a fee. The fee is between ₱200 and ₱850.

How to check if you are blacklisted for credit in the Philippines

The process to do this is the same as getting your credit score. You will see if you are in the NFIS blacklist in that report. NFIS stands for a negative file information system. It is a system that tells financial institutions if a person cannot be trusted with money.

NFIS in the Philippines is a big thing if you plan for a loan. If your name is there, you will not get approved for loans.

Some people ask, I need a loan urgently but I am blacklisted. If this is the case, you need to do two things. The first one is to apply for a loan somewhere else. The second one is to fix your credit score.

Learn More Information about
Online Loans With Bad Credit, and where to Get it

How to check my name in CMAP

While there is no credit investigation bureau Philippines, there is CMAP that can help you. You can go to the website and apply for membership. The goal of CMAP is the promotion of credit information exchange. This exchange is voluntary.

This means you can do NFIS checking in the system and get credit card blacklisted names. Head on to the website and apply for membership.

Also learn more – How to Get
Same Day Cash loans for Unemployed

How to improve credit score in the Philippines

Now, if you find out that your name is in blacklisted online loans, you must start fixing your credit score, and below are some ways to do it.

  • Do Not Miss Payments

The first thing you need to do is to pay what you owe on a monthly basis. The credit score is really nothing more than a measurement of how trustworthy you are. To be a trustworthy individual, you must honor your word.

  • Keep Debts Low

The second thing you must do is to keep your debts low. For example, if your credit card limit is ₱100,000, it will do you well if you keep your debts to a limit of ₱30,000. This approach sends a signal that you are not borrowing more than you can afford to pay.

Of course, it only applies if you are already in debt. If you are not in debt, you can borrow as much as you want. What matters is that you pay what you owe on time.

One approach to building a satisfactory score is to pay things on credit and then make sure that you pay that on time. Do this for things where you already have money to make the purchase.

For example, you have a budget of ₱1,000 for groceries. Instead of paying with cash, pay it with your credit card. Then, pay the ₱1,000 as soon as your credit card bill arrives.

Do this with your electric bill, water bill, and online purchases. However, make sure that you already have the money to pay for it.

In this system, you are merely sending signals to financial institutions that if you borrow, you pay on time. As such, you will get a good credit score and be approved for a loan later on.

If you’re having issues with loan approvals, it could be that you do not have an excellent credit score. If that is your suspicion, you have to get your credit report from the four organizations we mentioned here.

If your credit score is low, you must do something to fix it. Simultaneously, you can also file for a loan from other institutions.

Learn More about
How to get Loan without a bank Account online

how to check if you are blacklisted for credit philippines

How to apply for the necessary money?  

Applying for a personal loan is a simple process. We process applications within 15 minutes and we will reply to you whether you are eligible to receive funds. If fast loan for blacklisted is approved for you, our service will immediately notify you. Once the loan is completely approved, you will receive funds within a few minutes. Our system is fully automated and excludes any delays; any increase in terms of issuance depends only on you and your bank.

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.

What are the terms of payment for obligations?

The online loan service Digido offers quick short term loans for blacklisted for a period from 7 to 30 days. When you pay the received amount with interest prematurely, no fines are imposed. Interest is calculated only on the days in which you used the money.

Easy Loans for Blacklisted
You can get the money within 30 minutes!


Secured loan with blacklist – is it worth it?

You can find offers of guaranteed loans for blacklisted, in which it is expected to receive money on bail. However, this may not be the best idea, because in case of breach of the agreement with credit organizations, your mortgaged property may be confiscated. In this case, the risk for the borrower is much greater, because there is a chance of losing things, the real value of which is higher than the loan amount. You do not have such serious risks with the Digido service, because Digido doesn’t require any collateral.

Also learn more about
Payday loans online, what are the features of PDL in the Philippines

How to clear bad credit history in the Philippines?  

Excluding your data from the blacklist does not mean that you are automatically eligible to receive any loan. Most large banks will refuse clients who have recently had large debts or are not working permanently.

If you can get small loans without any problems, getting a large amount of money can be difficult for you. In order to draw up a mortgage or a car loan in the future, you need to improve your credit history. It is best to start with a small loan in Digido – take a small amount and repay it in time. If you have a Digido unpaid loan, you can extend it or contact the company on support@digido.ph or by calling the hotline number. And they will offer you a solution depending on your situation.

Getting money in Digido is easy and convenient! You only need to choose the necessary amount and the period of time you want to borrow it. The calculator on our website will immediately show how much you should return – this will help you in financial planning. Working with Digido you will not meet any unpleasant surprises in the form of hidden interest or additional payments – correct your credit history easily and quickly!

How to find out whether it is possible to get the money if your financial reputation is not very good?

The easiest way to know if you can count on a loan or not is to fill in our form. Having registered online loans for blacklisted no paperwork, wait for a response. Submitting of this form is completely free. You can submit it several times. If the attempt was unsuccessful, try to submit the application again within a month. It is possible that the service will assess your conditions as changed for the better or that the first time you made mistakes.

Find out useful information about

🔎 In-Demand Jobs in the Philippines

🔎 Cash loans in an hour online


  • Where can I borrow money without a credit check?
    You can get a loan without a credit check from some companies, but the interest rate will be very high and you may need a guarantor.
  • 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.
  • Are Online Loans Legit?
    Yes, many companies in the Philippines issue loans legally and have a registration number in the government registry.
  • Is Digido legit?
    Yes, Digido is legit firm. It is registered under the Security and Exchange Commission. Digido has been accredited by SEC in the Philippines, and its details are available on SEC’s official website in the list of financing companies.Its registration number is CS201730459.
  • If I don't pay my debt on time, can there be Digido harassment?
    The debt will only be recovered by legal means. A Digido employee will call you to discuss recovering the debt. The company then has the right to recover it in court based on the loan agreement.
  • Does Digido work with MBA Consulting Ph?
    Yes, Digido can cooperate with MBA Consulting Ph to recover past due debt.
  • How to check if you are blacklisted for credit in Philippines?
    If you are wondering how to check if you are blacklisted for credit in Philippines, contact the accredited credit bureaus such as CIBI Information (CIBI), TransUnion Philippines, Compuscan Philippines and find out your credit rating.
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.
Anna Kireeva
Author pages:
Anna is a marketing communications professional who specializes in digital marketing strategies and long-form content.

Digido Reviews

  • Marie
    It's my first time. It took just about 5 minutes and I was approved in an instant. Very helpful.
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    I'm so grateful to have come across a platform that specializes in loans for blacklisted and bad credit individuals. With their understanding and non-judgmental approach, I was able to secure the funds I needed!
  • Christine
    With Digido, everything turned out well, even if you submit an blacklisted loan application, you have a good chance of approval! I got the money in just 25 minutes – give it a try, they'll most likely approve you too!
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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.
  • Maria
    After facing numerous rejections from various lenders, I began wondering how to check if you are blacklisted for credit in the Philippines. That's when I stumbled upon this platform. Not only did they provide the loan I desperately needed, but they also offered guidance on improving my credit standing! Kudos to Digido!
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