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24/7 Payday Loans Online in the Philippines

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

Key takeaways:

  • A payday loan is a small loan issued by a financial institution over the Internet.
  • The need for a payday loan in the Philippines usually comes due to low wages or in case of an emergency.
  • We recommend a quick short-term loan from Digido for between 7 and 30 days.
  • Always keep repayment deadlines in mind to pay back your debt on time.
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

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What is Payday Loan?

An online payday loan is issued by a private lender through the Internet. These are typically unsecured, are short-term, and can be granted quickly. These do not require collateral, but interest rates can be low or high depending on the lender. Payday loans are supposed to be repaid upon the next payday.

Therefore, in most cases, you must have a stable source of income. People turn to these sources of credit when their salaries are not enough to cover expenses or if their salaries are delayed. These loans are designed for those who need quick funds for any urgencies. Some situations in which quick 24/7 payday loans online can apply include: 

  • Medical expenses and hospitalizations;
  • Home repairs;
  • School expenses;
  • Rent and utilities;
  • Appliance purchase;
  • Quick travels;
  • Debt refinancin;
  • Food and others.

Hence, these  loans are available 24/7 online through apps or websites. However, it cannot be used to cover mortgages, nor be used as capital for starting a business.

When a payday loan is taken out, the expectation from the lender is that it will be paid on the next date when the borrower’s salary is available. The borrower will pay the principal amount plus whatever interest rate was added to the principal amount.

Get a Payday Loan Online
  • In only 4 minutes you can receive up to PHP 25,000
  • First loan with 0% interest rate

Payday Loans Online in Digido, Philippines

Digido is an online money lender, established, licensed, and operating legally. Many financial organizations offer unemployment loans, but not every one offers such loyal conditions as Digido. Digido is an automated credit system that issues loans quickly and hassle-free with minimal interests and favorable terms. 

If you need cash immediately for the purchase of equipment, vacation, celebration, surgery or payment of utilities – do not waste time on banks, sign up for a Digido account now!

Advantages of Digido 24 hour Payday Loans Online

1. Fully Automated

Since Digido Philipppines issues 24/7 cash loans online, the borrower can expect the money to be there like an instant payday. Borrowers don’t have to fall in line for hours too, the transaction is also more accurate, being that all the financial transactions are calculated on computers which are really overpowered.

2. High Approval Rate

These loans can be disbursed within minutes, which is helpful if you need money urgently. With Digido, potential borrowers can be assured that they will receive their payday credit with ease and with little hassle.

3. Online Application

You just need to prepare 1 valid ID and proof of employment. No proof of income is required. But if you have proof of billing, payslips, etc. it will give you a chance to get approved faster.

Borrowers don’t have to go to the bank! Application can be done and completed from the comfort of your own home using your preferred gadget.

How to Get Loan

4. Open for Everybody

Anyone who has reached the age of majority and is a citizen of the Philippines can apply for a fast and easy online loan 24/7. Your marital status nor your salary will not affect your probability of getting accepted.

5. Possibility of Cashing in an Offline Point

Also an undoubted advantage is the ability to cash out funds in the offline point. The borrower receives the 24/7 loan approval of the application on the web-site, and then cashes out a loan in one of our offices. Such points are located throughout the Philippines.

6. Easy steps to Getting Money

You can process the loan in 24 hours and less and it is quite simple. Here are the simple steps:

  1. Choose the loan amount;
  2. Enter your phone number for  fast registration;
  3. Then fill in a short form with your ID data.


The application is sent for consideration. Within a few minutes, the borrower receives a reply from the company to which the electronic contract is attached. It is necessary to read the points of the contract and confirm the financial deal with a single click of the mouse. Money will be available within half an hour

Just click “Apply Now” button to get started and the money will be in your account in half an hour.

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.

24 hours online loan

Digido Payday Online Loan with 0% Interest Rate

👉 Payday Loan Amount

First-time borrowers can take up to PHP 10,000 with 0% interest rate for the first time. Then the first loan has been paid, the borrower can borrow a higher amount. Succeeding amounts can go as high as PHP 25,000.00 which should be enough for most simple emergency situations.

👉 Loan Terms

The terms set by Digido are pretty straight forward: those who are going to borrow for the first time are allowed 15 days to pay back whatever amount is owed. This is just about the same length of time between paychecks. 

For those who will be borrowing for their second time or more, they can take out a loan with a term anywhere between 5 and 30 days.

👉 Borrower Requirements

The requirements necessary for borrowing a payday 24/7 loan from Digido is minimal.  All customers are expected to have 1 government valid ID and a working mobile phone.

  • Additionally, the following documents can be provided to improve your chances of getting a loan: a copy of their payslips or employee ID or a Certificate of Employment (COE).
  • For the self-employed like those who are running a business, can present their Department of Trade and Industry (1) or Bureau of Internal Revenue (2) certificates.

24/7 cash loans online

Digido is a financial system that does not require the provision of supporting documentation, except the passport. You will not have to experience:

❌ waste time on standing in queues at banks;

❌ waste time on waiting for an approving result;

❌ need to collect a package of documents;

❌ extra overpayments, commissions and other cash deductions.

Why Choose Digido for Payday loans?

Payday Loans Requirements in the Philippines

Payday loan companies in the Philippines have different requirements than ordinary lenders or other avenues of credit, but the most common are

  • government-issued IDs;
  • proof of billing;
  • and proof of income such as payslips.

Lenders also reserve the right to request for additional requirements on a case to case basis. For example, a lending app may ask for a borrower or co-maker while another may ask for a collateral like a bank account. There are also instances where a lender will ask for access to a borrower’s contact list and social media accounts.

Digido App

Note: The latter is especially risky considering the privacy concerns associated with this practice. If a borrower fails to repay a loan, unscrupulous lenders will contact the borrower and their associates in order to force a repayment.These lenders will not hesitate to use harassing and threatening messages in order to get their money back. Some have gone as far as posting on the borrower’s social media account without consent, adding to the shame and desperation that the borrower is already facing.

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Are Payday loans legit in the Philippines?

24-hour payday loans in the Philippines are legitimate and can be availed from legitimate lenders. Answering the need of Filipinos for quick and hassle-free credit, online lending apps offer personal loans that can be disbursed under five minutes with minimal interest rates and flexible payment terms.

In order to avail of legitimate 24/7 payday loans online in the Philippines, you can do a quick Google search on online lending apps that offer this service. There are also lots of credit companies in the Philippines that have their own mobile apps, so be sure to check them out as well.

The Cons of Payday Loans

This service may be easy to acquire and is available almost anywhere 24/7, but just like any other loans, they also have their downsides.

Borrowers have the responsibility to pay their loans on time. This can be a challenge especially for those who are not earning enough, are already neck-deep in debt, or are facing high interest rates and hefty charges.

In addition, it can also be predatory. It is no longer unheard of for predatory lenders in the Philippines to use payday loans to lure in borrowers who are in dire need of cash but have either an unpleasant credit history or have no means to repay in the first place. 

Predatory lending practices include hefty interest rates and other charges, short repayment periods, no contracts, and loan sharks harassment. Due to these predatory lenders, borrowers often fall into a debt trap, taking on loans over and over again to cover existing debts.

Before borrowing, you must make sure that the company is legal and check its presence in the lists on the www.sec.gov.ph

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Benefits of 24 hour Payday Loans: Fast and Easy 🚀

  • Fast. An employee who wants to borrow money will only have to provide the necessary information and scans or pictures of the documents. When all the necessary documents are provided, the loan should be available in minutes. The only catch here is that delays can happen when the bank will transfer money to your account.
  • Easy. Gone are the days of queuing at the bank and submitting too much documents. Thankfully, many lenders offer a robust and easy way to obtain a personal loan online for those days you need them most. In times of crisis, it is always good to know that there is a handy one-stop-shop place on the Internet where credit can be obtained. In a situation when bank details have been entered incorrectly, the loan will not push through but you can always reapply for another. 
  • For Any Purpose. Whatever the reason may be, personal loans are very useful for days when salary is delayed or when it is simply not enough to cover an unexpected situation or emergency. But it can go beyond just covering for an emergency. It can also be used for something more festive like a wedding or when trying to buy a new piece of electronic equipment. Since we don’t typically perform major repairs to our houses every month, this is the kind of emergency that a 24 hour payday loan can be used for.
  • Minimum of Documents and Requiremens. The number of required documents for getting a payday loan is, fortunately, minimal. A typical borrower would have some of these documents already such as a government ID. So there is not really that much needed unless the lender will still require some more documents for further verification.

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24/7 online loan for paying bills in the  philippines

Useful Tips on How to Choose the Right Payday loan

✔️ Determine how much you need and for how long

Before getting a loan in 24 hours, it is important to determine how much is really necessary and for how long. It is crucial to remember that the longer the term, the more you have to pay in the long run because of the interest.

However, this type of credit tends to have a higher interest rate than the usual credit that you can get from a bank. Some online lenders have built-in calculators on their websites that will allow potential borrowers to do the math so before borrowing make sure to use them.

✔️ Compare several online lenders

Payday loans online with no credit check from different providers come in different flavors. Some can offer a low amount and others can be more generous at the cost of a higher interest rate. Read reviews about the online lender. Compare and contrast amounts, interest rates, terms, requirements, fees and other charges, and others.

✔️ Check the license of the selected company

Look for a certificate. By certificate we mean something akin to a business license issued by the government or a Department of Trade and Industry (DTI) number. For example, the SEC number CS201730459 is listed at the bottom of the Digido web pages. (3) By having this number, you can be assured that the company is at least legally allowed to operate. If you are still not satisfied you can call the DTI branch at your area to get further verification.

✔️ Read and understand the repayment terms

Read the repayment terms and make sure you understand them correctly. One piece of advice when reading agreements is to read everything, even those words printed in very small letters. If there are certain financial terms you don’t understand, ask a colleague down at accounting or call up the company to get further clarification. One of the things to look out for are hidden fees: make sure to study everything when it comes to those repayment terms..

✔️ Get the money

Once you have read the reviews and the repayment terms, it’s time to get that loan. Gather all the necessary documents, scan them, or take pictures of them so they are ready to upload upon filing. Stick to the amount and term you have decided upon and never allow yourself to be tempted to go beyond the amount and term you decided on earlier.

payday loans online

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For what Purposes you can take a 24 hour loans Fast and Easy

24 hour loans online no credit check at Digido are issued for various consumer purposes:

  1. Medical Emergencies. Health problems always come at the wrong time, and it’s impossible to prepare for them. If you don’t have savings, you can cover medical expenses with a loan for medical treatment. For example, buy expensive medications or pay for a nurse’s care.
  2. Paying Bills. If you’re having temporary difficulties paying your bills, a personal loan can help. You can pay utility bills, Internet bills, and more. The main thing is not to do this every month!
  3. Wedding Expenses. A wedding is one of the most important events in a person’s life! But it is also one of the most expensive. You can borrow for your wedding to pay for the banquet, food, wedding clothes, and honeymoon.
  4. Vacation Expenses. Go on the vacation of your dreams! Choose a beautiful place and relax in a luxury hotel. Some type of credit will allow you to rest properly and start work with fresh energy.
  5. Payment for Education. Not all families can provide their children with a decent education, because it takes a lot of money. There is a way out – an education loan. Your children will thank you!
  6. Home improvements and renovation Finance your quality of life! Make improvements, and renovate your home, because you can use a loan to do so.
  7. Debt consolidation. You can use a personal 24 hour online loan to consolidate your debt. Debt consolidation is one of the most popular credit purposes among Filipinos.
  8. Appliance purchases. Allow yourself the appliances you’ve always dreamed of! You can get a personal loan forthe best refrigerator, air conditioner, or tablet.
Get a 24/7 Payday Loans Online


Of course, this is only a sample list of the most popular purposes, but in fact it does not matter how you want to spend the money. The platform issues an online loan 24 hours a day to different categories of citizens: students, retired, employed and unemployed. The main thing in cooperation with the online system is to pay off the debt in time.

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  • 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.
  • Why is a payday loan bad?
    It can be dangerous if the money is not paid back in time. In this case, you will get penalties and a lower credit rating.
  • Who is the best payday loans online?
    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

Articles sources


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

  • Erik
    Digido is very efficient. The approval is quick as long as you accomplish the requirement. I am totally satisfied, thank you Digido for the prompt assistance.
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    Very nice and friendly Customer Service. I borrowed 2x already and i never had a hard time. Just always remember to pay on time.
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  • Reynaldo
    It's my second time getting a loan from Digido! Everything was very easy and I got my loan in 24 hours. They even threw in 0% interest for my first loan. I highly recommend this to all my kababayans! Just make sure you pay on time! Will definitely borrow from them again.
  • Yanyan
    When it comes to getting a loan in 24 hours, Digido is really the way to go! I was able to get a loan even faster, in just 30 minutes, and their interest rate is very low. The customer support is also very friendly!
  • Janine S.
    Dito sa Digido, nakakuha ako ng 10k na utang sa loob ng 24 oras. Sobrang dali lang ng application nila at ngayon may pera na ako. Salamat, Digido!
  • Maria
    I've used Digido's payday loans a couple of times now, and every time they're swift and reliable. Fast and easy, that's how I'd describe it.
  • Christine
    At first, I was skeptical about online loans. But when I tried Digido's payday loans Philippines, it was a game changer. All the process was very convenient. It's a lifesaver during those unexpected expenses
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