Buy Now Pay Later

The #1 payment method for Philippine e-commerce

ShopeePay is the official e-wallet of the Shopee e-commerce platform in the Philippines, operated by ShopeePay Philippines, Inc., a BSP-licensed Electronic Money Issuer and part of Sea Limited's fintech arm (Monee, formerly SeaMoney). Launched in 2019, it lets users pay for Shopee orders, scan-to-pay at merchants, pay bills, and send or transfer money. It is paired with SPayLater, a buy-now-pay-later and cash-loan service run by SEC-licensed SeaMoney (Credit) Finance Philippines, Inc.

2019 · Mandaluyong City, Philippines · Public

Make every payment rewarding

GrabPay is the financial-services brand built into the Grab super-app in the Philippines. The GrabPay wallet, operated by BSP-regulated GPay Network PH Inc., lets users pay for Grab rides, food and delivery, scan merchant QR codes, check out online, pay bills, buy load, transfer funds and earn GrabRewards, plus PayLater BNPL. Through SEC-licensed Grab Financial Services Philippines, Inc., Grab also offers GrabFinance Quick Cash working-capital loans for merchant-partners and Grab Cash Loan for consumers and drivers. A wholly owned part of NASDAQ-listed Grab Holdings (NASDAQ: GRAB).

2018 · Metro Manila, Philippines · Public

Blissful Shopping. Easy Billing.

BillEase is a Philippine buy-now-pay-later (BNPL) and consumer-credit app operated by First Digital Finance Corporation. Founded in 2017 by former McKinsey colleagues, it lets shoppers pay in installments at thousands of online and in-store merchants and also offers personal cash loans, e-wallet top-ups, mobile load, bills payment and gaming credits. Using proprietary credit scoring and alternative data, it serves underbanked Filipinos with instant approvals. It is registered with the SEC as a financing company and with the BSP as an operator of a payment system.

2017 · Ermita, Manila, Philippines · Series C

Making education affordable for Filipino youths

Bukas is a Philippine education-financing platform, operated by Bukas Finance Corp. (an SEC-registered financing company) under regional parent ErudiFi. It partners with colleges and universities to let students and families pay tuition in affordable monthly installments instead of large upfront lump sums. Plans can cover up to 100% of tuition, payable over 3, 6, 9, or 12 months, with funds disbursed directly to the partner school. Applications are fully online. ErudiFi also operates Danacita in Indonesia.

2019 · Makati City, Philippines · Series A

Fast, affordable, and legit digital credit for Filipinos

Cashalo is a Philippine fintech lending platform operated by Paloo Financing, Inc. that offers fast, collateral-free digital credit to unbanked and underserved Filipinos. Launched in 2018 as a joint venture between Hong Kong-based Oriente and JG Summit's Express Holdings, it provides cash loans and buy-now-pay-later installment financing through its mobile app, using alternative data and AI-based credit scoring for approvals in as little as minutes. Cashalo was acquired by US fintech Empower Finance (rebranded "Tilt" in 2025) in April 2024 and continues to operate under the Cashalo brand.

2018 · Metro Manila, Philippines · Private

Kredivo is a Buy Now, Pay Later and digital credit platform that lets Filipinos shop online and in-store and split purchases into flexible payments. Through the Kredivo app, approved users get a reusable credit limit (up to ₱50,000) accepted at 600,000+ merchants and QRPh checkout points, with 0% interest on 30-day payments and installment plans of 3 to 24 months. Operated by SEC-registered Kredivo Philippines Financing Corp., it is part of the Kredivo Group (formerly FinAccel), one of Southeast Asia's largest BNPL and consumer-credit providers, also operating in Indonesia and Vietnam.

2019 · Metro Manila, Philippines · Growth

Shop with Skyro, Split your Payments

Skyro is a Philippine consumer-financing fintech offering point-of-sale installment (buy-now-pay-later) plans, product loans up to ₱100,000, cash loans up to ₱250,000 and credit lines, targeting underbanked Filipinos. Founded in 2022 and headquartered in BGC, Taguig, it operates through SEC-licensed entities Advanced Finance Solutions, Inc. and Skyro Lending, Inc., and is part of a Singapore-headquartered fintech group with leadership drawn from international fintech operators. Skyro disbursed ₱15.8 billion in loans in 2025 across a network of nearly 9,000 partner stores.

2022 · Bonifacio Global City, Taguig · Private

SplitMo is a Philippine credit-card installment platform operated by 4Gives Lending Services Corp. It lets shoppers split purchases into installments using their existing Visa, Mastercard, JCB or American Express cards at checkout, with no separate bank installment approval, while merchants receive the full amount upfront within 1–2 banking days. 4Gives positions itself as an embedded-finance and BNPL platform serving consumers, merchants and employers. It is a BSP-registered Operator of Payment System and an SEC-registered lending company.

2020 · Makati City, Metro Manila · Private

Buy now, pay later at 0% interest

Atome is a buy-now-pay-later (BNPL) and consumer-finance app that launched in the Philippines in 2021, operated locally by SEC-registered Neuroncredit Financing Company Inc. and part of Singapore's Advance Intelligence Group. It lets shoppers split purchases interest-free across hundreds of partner merchants and via the Atome Card (Mastercard), and also offers Atome Cash personal loans and Atome Savings. The Philippines is Atome's second-largest market, with 1.6M cards issued by late 2025 and partnerships with Maya Bank and Jollibee.

2021 · Metro Manila, Philippines · Growth

Akulaku is a Southeast Asian digital-finance platform offering app-based consumer credit to Filipinos. In the Philippines it is operated by SEC-licensed Streetcorner Lending Corp. and provides Akulaku PayLater — a buy-now-pay-later line for online and in-store shopping — alongside the Akulaku Cash Loan app, which lets approved users borrow and receive funds in as fast as 24 hours, disbursed to bank accounts or e-wallets like GCash and Maya. Part of a regional group serving over 10 million users across Indonesia, the Philippines and Malaysia, backed by investors including Ant Group, Siam Commercial Bank and MUFG.

2016 · Pasig City, Metro Manila · Growth

Financing reimagined with smart loans, credit and savings

Salmon is a consumer-finance fintech founded in 2022 by Pavel Fedorov, George Chesakov and Raffy Montemayor, serving underbanked Filipinos. It offers a revolving credit line, installment product loans, motorcycle financing and bank time deposits through the Salmon app. The group operates BSP-licensed Salmon Bank (Rural Bank) Inc. and SEC-licensed Salmon Finance Inc. Its recorded financing history includes a US$30M Series A-2 in October 2024, US$88M in equity and bonds in June 2025, and US$100M in equity and bonds in April 2026. Recorded events total US$234M; this partial history excludes unused bond-program capacity.

2022 · Metro Manila, Philippines · Growth

Saripay is the digital financial-services platform of G2M Fintech Corporation, part of the GrowSari group, built for Philippine micro and small retailers — sari-sari stores, botikas and carinderias. Through its business wallet, QR Ph acceptance and the ELista buy-now-pay-later inventory-financing program, Saripay lets storeowners accept cashless payments, pay suppliers, buy load and settle bills. It serves GrowSari's nationwide network of 250,000+ MSMEs. G2M Fintech Corporation is a BSP-registered Operator of Payment System.

2023 · Bonifacio Global City, Taguig · Private

GoodKredit is a Cebu-based mobile fintech platform from GoodApps Inc. built to bring credit and everyday spending tools to unbanked and underserved Filipinos. Through its voucher-based 4 Gives model, users receive e-vouchers redeemable at partner sponsors and merchants and settle purchases over four installments. GoodApps also runs Payday Today, an earned-wage-access app — free for employers and zero-interest for employees — that lets workers draw already-earned salary before payday. GoodApps is a BSP-registered Operator of Payment Systems, backed by a DoST-PCIEERD startup grant.

2016 · Cebu City, Philippines · Seed

Home Credit Philippines (HC Consumer Finance Philippines, Inc.) is the country's largest consumer-finance company, operating since 2013. It pioneered in-store point-of-sale installment loans — 0% and low-interest financing for phones, gadgets, appliances and motorcycles at partner retailers — and has grown into cash loans, the Home Credit credit card, and Qwarta, an in-app BNPL wallet for QR payments, bills and online shopping. A financing company (not a bank), it has served 13M+ customers and disbursed over ₱320B in loans since 2013 (as of 2024). It is now owned by Thailand's Krungsri (75%) and Security Bank (25%); ultimate parent MUFG.

2013 · Taguig City (BGC) · Private

Pay Later Anywhere

Mocasa is a Philippine virtual credit wallet and buy-now-pay-later app operated by SEC-licensed Philippine Cashtrout Lending Corp. It gives underbanked Filipinos an instant virtual Mastercard credit line for online and in-store QR purchases, plus Quick Loan cash advances of up to ₱50,000 disbursed to GCash, Maya, bank or e-wallet accounts. Users can also pay bills and buy mobile load in-app, with a 50-day interest-free repayment window on credit purchases. With more than 1 million app downloads and hundreds of thousands of active users, Mocasa is one of the country's first app-based virtual credit lines.

2022 · Pasig City, Metro Manila · Private

Flexi Finance is a Cebu-based consumer finance company offering in-store installment financing and cash loans to Filipino shoppers. Customers can buy consumer goods such as electronics, appliances, gadgets, and furniture from partner retailers and pay in monthly installments of up to 36 months, choosing an initial payment of 10%-60%, alongside a cash-loan product. Established in 2016, the company partnered in 2017 with the PROFIREAL Group, an international consumer-finance group, bringing its point-of-sale sales-finance model to the Philippine market. Applications are processed online with paperless, cashless verification.

2016 · Cebu City, Philippines · Private

Getting credit has never been simpler

Plentina is a Filipino-American fintech building alternative credit access in emerging markets. Through its Philippine lending arm, Plentina Lending, Inc. (SEC-registered), it offers a buy-now-pay-later app letting consumers split payments and build credit history at 60+ partner merchants including SM, Robinsons, Shopee, Lazada, Grab and foodpanda, with repayment via e-wallets or over-the-counter at 7-Eleven. Founded in 2019 by Stanford classmates Kevin Gabayan (ex-Google/NASA) and Earl Valencia, it has raised over US$5M from Techstars, 500 Startups, TMV and Global Founders Capital.

2019 · Parañaque, Metro Manila · Seed

Consumer credit and employee financial wellness by Tonik

Tendo (formerly TendoPay, now "Tendo by Tonik") is a Philippine consumer-credit and employee financial-wellness platform. Founded in 2018 and operated by Templetech Finance Corp., it offers 0% installment "buy now, pay later" purchases across 200+ partner merchants, plus emergency cash loans, salary advances, bill payments, automated savings, prepaid health insurance, and rewards. Acquired by Tonik Digital Bank in 2022, Tendo now partners with the BSP-licensed neobank — which funds its loans — to extend accessible digital credit and payroll-linked financial services to Filipino consumers and employers.

2018 · Pasig City, Philippines · Private