Quick loans at Robocash for just 1 ID!

In this article, you will find out if it is possible to get a quick loan for the unemployed in the Philippines. It is not easy to get a loan for the unemployed. Robocash does not offer loans for the unemployed, but you can borrow up to 25,000 pesos if you have an unofficial stable income. 15 minutes and you have the money!

Key takeaways:

  • A personal loan for unemployed is hard to obtain, but you can still get one.
  • This usually requires a collateral or guarantor.
  • Digido does not offer loans for the unemployed, but you can take a loan if you have a stable source of income, even unofficial.


Quick Loan For Unemployed 

Unemployment and underemployment are the most important problems of the Philippine economy. About 5 million Filipinos are unemployed. (1) Borrowing money if you are unemployed is a tough ordeal. It is rare to find a lender who would trust that you are able to pay if you have no source of income. If you ever find one, they can give you a loan, but the terms will be rather unfavourable to you. An example of this is when they hike up the interest. On some occasions, the lender will ask for collateral, such as a car or a house and lot. If you default on your loan, the lender is going to seize the asset and make it his own. It will serve as your payment for the loan that you failed to pay.

So, how do you get a loans for unemployed with no bank account Philippines? We will discuss everything you need to know about this type of loan today.

Can I Get a Loan for the Unemployed at Digido?

No, Digido currently does not offer a loan for the unemployed. What Digido can do is to give instant loan but only if you can prove that you have a steady source of income.

One great example is if you are a freelancer. As a freelancer, you are not technically employed, but you have a source of income that is steady.

But how much will Digido give you? It truly depends on the amount of your real income. It is going to be a small amount because of the risks associated with your financial status. Your loan amount will also depend on how much you are regularly earning.

You will need to specify the amount of your income in the loan application, even if it is unofficial.

 Here are the requirements to get started with:

  • You should be 21 to 70 years old;
  • You should be a Filipino citizen;
  • You should provide your proof of identity.

With Digido, you have to submit these documents before they start assessing your application. A proof of identity is an ID issued by the government, and it must bear your name and photo.

Apply now

All operations are performed online - you don't have to leave your house
In only 4 minutes you can receive up to 5000 pesos in your bank account
We don't require guarantors representation, documentation, or guarantee deposits.
The service is fully automated

Do You Really Need a Loan for the Unemployed Philippines?

Yes, you do need this from time to time. If you are unemployed, you still need to pay your bills and other utilities to maintain your lifestyle.

Here are some reasons why loans for the unemployed in the Philippines are necessary for you:

  1. Bills – you need to pay your utilities and rent;
  2. School – if you are an adult and you are in college, you may need extra money for a project; it is also possible that you have children and you need money to pay for tuition;
  3. Emergencies – if your car or motorcycle breaks down, you may need a quick cash loans for unemployed Philippines.

A loan is also necessary while you are looking for a job. In some cases, you may have already found a job, but your new employer requires that you submit some documents before you can get started. Examples of these are NBI clearance (2) and a medical clearance. The medical clearance costs money, and you may need a urgent cash loan for unemployed to pay for it.

Alternative Loan Options for the Unemployed

So, if you are unemployed, where can you get a loan? However, there are no government loans for the unemployed Philippines. While banks may not approve you, there are other institutions that issue loans for the unemployed with no bank account in the Philippines.

Here are some examples.

Private lenders

These are private institutions built for the sole purpose of lending money. Many of these offer support for the unemployed, but they also ask for a high interest.

In many cases, private lenders may also ask you for a property as a collateral. In the Philippines, it can be your tricycle, jeepney, or any asset that has financial value. Most of the time, the amount of money you can loan is equal to or less than the assessed value of the property. Still, there are companies that do not require collateral, you just need to look for them carefully and compare the conditions to avoid getting on high interest rates.


  • You can be approved even if you are unemployed;
  • Varying loan amounts;
  • Several loan terms.


  • You may need collateral;
  • You need a co-borrower who will pay for your loan if you default on it;
  • There may be a high interest rate.


A pawnshop (3) is one of the best places to get a loan with interest if you have valuable property to bail out. For as long as you have a collaterizable item, you can get money and get approved with no questions asked.


  • It’s easy to get a instant loans for unemployed with no bank account Philippines;
  • You can pay interest only month after month;
  • You can get an extension for your payment terms.


  • You cannot loan if you have no collateral;
  • In the Philippines, only jewelries are mostly accepted; it is rare that a company would accept expensive items like guitars or antiques;
  • Interest rates are quite high.
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.

 Borrowing from Friends and Family

One great source of urgent cash loans for unemployed is family members and friends. There is a culture of helping one another in times of need in the Philippines.


  • Easily available;
  • No documentation needed;
  • No interest rate to pay;
  • Pay only when able.


  • Can destroy relationships;
  • You cannot borrow a big amount.

The great thing about this is that families and friends will not ask for interest. They will also be around whenever you need them, and loan you money without asking for any requirements. But if they find themselves in a difficult situation, they will not wait patiently. You will need to repay the debt urgently, otherwise the relationship with your friends will be destroyed and your reputation will suffer.


  • Is there any loan for unemployed?
    Yes, in some Philippine companies you can get a loan even if you are unemployed. However, the terms and conditions of such loans are different from those of working citizens. Such loans are less favorable and more difficult to obtain.
  • How do I get a loan if unemployed?
    Apply for a loan with collateral or a guarantor who has a job. This will increase your chances.
  • Can I get loan without income proof?
    Yes, some companies do not require proof of income with documents, such as Digido. But you have to have a stable income, even if it is unofficial.

How Can I Maximize My Chances of Approving a Loan?

For easy loans for the unemployed in the Philippines, there are some things you need to prepare to improve your approval rate.

  1. Collateral – a piece of item you exchange with cash; if you default on your loan, the lender will take possessions of this item.
  2. Employment history – a list of documents proving you had been employed before and have the capacity to work if you have to.
  3. Co-borrower – a person who is willing to pay your loan in case you default.

If you have these three, you have better chances of getting approved for cash loan for unemployed Philippines. If not, your best shot is to have a collateral, and this property must be under your name.

Apply now

Articles Sources

  1. Employment Situation in July 2020 https://psa.gov.ph/content/…
  2. NBI https://www.nbi.gov.ph/
  3. Pawnbroker https://en.wikipedia.org/wiki/…

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Written by: Sean Martin D. Plantado

Author pages:
Sean Martin Plantado is the head of Customer Care Dept. and Online Sales Dept. of Digido Finance Corp. creating articles, blogs, and other learning mediums that helps Filipinos struggling on their financial literacy. Sean also loves Cycling, Photography, Cinematography, Online gaming, Fine Arts, and dreams of becoming a Doctor of Veterinary Medicine.

Reviewed by: Rafael Hular

Author pages:
Rafael “Raffy” L. Hular is, the Finance and Accounting Manager. of Digido Finance Corp., monitoring and controlling the flow of cash that comes in and out of the company to meet the company’s business needs, preparing the financial reports and analysis of income and expenses, and monitoring tax compliance.  Raffy loves reading Japanese comics called manga and watching Japanese animated cartoon series. He dreams of establishing his own Accounting and Auditing Firm and teaching in a University.