Source: https://fintech.ph/category/lending Category · 75 companies # Lending Online lending platforms, P2P lending, microfinance, and credit solutions Search within Lending Related: [Financial Inclusion](https://fintech.ph/category/financial-inclusion) [Buy Now Pay Later](https://fintech.ph/category/bnpl) [SME Financing](https://fintech.ph/category/sme-financing) [Digital Banking](https://fintech.ph/category/digital-banking) [All categories](https://fintech.ph/directory) Well-known in Lending [C Cashalo](https://fintech.ph/listing/cashalo) [F First Circle](https://fintech.ph/listing/first-circle) [J JuanHand](https://fintech.ph/listing/juanhand) [T Tala Philippines](https://fintech.ph/listing/tala-philippines) Alphabetical. Placement is never paid. Showing 75 companies - [GCash](https://fintech.ph/listing/gcash): Featured · #1 Finance Super App · GCash is a Philippine finance super app offering payments, transfers, savings, loans, investments and insurance. Its mobile wallet is operated by G-Xchange, Inc., a subsidiary of Mynt, Inc. Mynt listed on the Philippine Stock Exchange on October 20, 2026 under ticker GCASH after an IPO priced at PHP6.60 per share. The PSE reported PHP60.9 billion in gross proceeds from primary and secondary share sales and PHP441.51 billion in market capitalization at listing. Gross proceeds include payments to selling shareholders and are not all new company capital. · Payments · Digital Wallet · Lending · Founded 2015 · Taguig City, Philippines · Public · US$300M raised · US$5.0B valuation - [Maya](https://fintech.ph/listing/maya): Featured · It's everything and a bank · Maya is the Philippines' leading consumer money app — an all-in-one wallet, payments and digital-banking super-app operated by Maya Innovations Holdings (legally Voyager Innovations, Inc.). In one app it offers the Maya wallet, QR payments, a cashback credit card, crypto and investments, plus full banking through Maya Bank — one of six BSP-licensed digital banks — including high-yield savings, Personal Goals, time deposits, and personal and MSME loans, with PDIC-insured deposits. Maya Bank reached profitability in 2025. Backed by PLDT, KKR, Tencent, GIC and IFC, the group has raised ~US$0.7B and reached unicorn status. · Digital Banking · Digital Wallet · Payments · Founded 2013 · Mandaluyong City, Philippines · Growth · US$592M raised · US$1.4B valuation - [BDO Unibank](https://fintech.ph/listing/bdo): We Find Ways · BDO Unibank, Inc. (PSE: BDO) is the Philippines' largest bank by assets, loans, and deposits, with total assets of about ₱5.4 trillion at end-2025. Part of the SM Group controlled by the Sy family, BDO is a full-service universal bank offering consumer and corporate banking, lending, payments, remittances, investments, insurance, and wealth/private banking through one of the country's most extensive branch and ATM networks. It traces its roots to Acme Savings Bank (1968), was acquired by the SM Group in 1976, and merged with Equitable PCI Bank in 2007. · Digital Banking · Business Banking · Lending · Founded 1968 · Makati City, Philippines · Public - [BPI](https://fintech.ph/listing/bpi): Featured · Do More with BPI · Bank of the Philippine Islands (BPI) is the oldest bank in the Philippines and Southeast Asia, founded in 1851. A universal bank controlled by Ayala Corporation and listed on the Philippine Stock Exchange (ticker: BPI), it offers consumer and corporate banking, lending, payments, investments, wealth management, and insurance. BPI absorbed Robinsons Bank in a merger effective 1 January 2024. In FY2025 it posted record net income of about ₱66.6 billion with total assets of roughly ₱3.7 trillion. · Digital Banking · Business Banking · Lending · Founded 1851 · Makati City, Philippines · Public - [Metrobank](https://fintech.ph/listing/metrobank): You're in Good Hands · Metropolitan Bank & Trust Company (Metrobank; PSE: MBT) is one of the Philippines' largest universal banks, founded in 1962 by Dr. George S.K. Ty. Affiliated with GT Capital Holdings, it offers consumer and corporate banking, lending, credit cards, wealth management, and trust services through a nationwide branch and ATM network plus overseas offices. It posted record FY2025 net income of ₱49.7 billion with total assets of about ₱3.88 trillion, and is the parent of thrift bank PSBank. · Digital Banking · Business Banking · Wealth Management · Founded 1962 · Bonifacio Global City, Taguig, Philippines · Public - [RCBC](https://fintech.ph/listing/rcbc): We Believe in You · Rizal Commercial Banking Corporation (RCBC) is one of the largest universal banks in the Philippines, founded in 1960 by Alfonso Yuchengco and headquartered at RCBC Plaza in Makati. Listed on the PSE (ticker: RCB) and part of the Yuchengco Group, it offers retail and corporate banking, lending, credit cards (RCBC Bankard), remittances, and digital services. It operates the financial-inclusion super app DiskarTech. Japan's SMBC is a major strategic shareholder (about 24.5% as of December 2025). · Digital Banking · Business Banking · Lending · Founded 1960 · Makati City, Philippines · Public - [Security Bank](https://fintech.ph/listing/security-bank): BetterBanking · Security Bank Corporation (PSE: SECB) is a Philippine universal bank founded in 1951 as the country's first private, Filipino-controlled bank after WWII. Headquartered in Makati, it is controlled by the Dy family, with Japan's MUFG Bank holding a 20% strategic stake since 2016. It offers retail, business, corporate and investment banking, credit cards, and wealth management through its branch network, ATMs, and the Security Bank App. In 2025 it posted record net income of ₱11.6 billion on total assets of about ₱1.2 trillion. · Digital Banking · Business Banking · Lending · Founded 1951 · Makati City, Philippines · Public - [Tonik Bank](https://fintech.ph/listing/tonik-bank): Featured · Philippines’ First Digital Bank · Tonik is a standalone digital bank in the Philippines, operating under a BSP digital-bank license secured in 2021. Founded in 2018 as a Singapore group and launched in the Philippines in March 2021, it offers savings, time deposits, Stashes and consumer loans, with PDIC-insured deposits. Its recorded financing rounds total US$187M, including the US$131M Series B led by Mizuho Bank in 2022 and a US$12M Pre-Series C raised by controlling shareholder Tonik Financial in November 2025, led by Diligent Capital Partners. Tonik reported reaching profitability in Q1 2026. · Digital Banking · Lending · Savings · Founded 2018 · Pasig City, Philippines · Growth · US$187M raised - [Land Bank of the Philippines](https://fintech.ph/listing/landbank): Serving the Nation · Land Bank of the Philippines (LANDBANK) is a 100% government-owned universal bank created in 1963 under RA 3844 to finance agrarian reform and rural development. It is the country's largest government bank and among the largest banks overall by assets (about ₱3.5 trillion in 2025), serving farmers, fisherfolk, agrarian-reform beneficiaries, MSMEs, LGUs and government agencies. It combines a developmental mandate in agriculture with full commercial and digital banking, prioritizing lending to the agriculture, fisheries and rural development sectors. · Lending · Digital Banking · Business Banking · Founded 1963 · Manila, Philippines · Government - [UNObank](https://fintech.ph/listing/unobank): A full-spectrum digital bank · UNObank (UNO Digital Bank) is a Philippine digital-only bank operated by Singapore fintech DigibankASIA / UNOAsia. Founded by Manish Bhai and granted a BSP digital banking licence in 2021, it launched to the public in 2022 as one of the country's six licensed digital banks — and the first new entrant under the framework. The app offers high-interest savings, time deposits, and collateral-free loans, targeting financial inclusion for underbanked Filipinos. Deposits are PDIC-insured up to ₱1 million. · Digital Banking · Savings · Lending · Founded 2021 · Bonifacio Global City, Taguig, Philippines · Series B · ₱2.4B raised - [CIMB Bank Philippines](https://fintech.ph/listing/cimb-bank-ph): The new era of digital banking · CIMB Bank Philippines, Inc. is a digital-only, mobile-first bank operating under a BSP commercial banking license and a wholly-owned subsidiary of Malaysia's Bursa Malaysia-listed CIMB Group. Launched in 2018–2019 as CIMB Group's first all-digital bank in ASEAN, it lets customers open an account in minutes with no maintaining balance. It has grown to over 10 million customers and ranked #41 on The Asian Banker's World's Top 100 Digital Banks 2025. Products span high-yield savings (incl. the GSave partnership with GCash), time deposits, virtual cards, and consumer loans, often via partner apps like GCash and Lazada. · Digital Banking · Savings · Lending · Founded 2018 · Bonifacio Global City, Taguig, Philippines · Private - [GrabPay Philippines](https://fintech.ph/listing/grabpay-ph): 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). · Digital Wallet · Payments · Buy Now Pay Later · Founded 2018 · Metro Manila, Philippines · Public - [Cebuana Lhuillier](https://fintech.ph/listing/cebuana-lhuillier): Philippine pawnshop, remittance and microfinancial services · Cebuana Lhuillier is one of the Philippines' largest microfinancial services providers, operated by PJ Lhuillier, Inc. Under the trade name adopted in 1987 (with roots in the Lhuillier family's Agencia Cebuana pawnshops), it offers pawnbroking, domestic and international money remittance (Pera Padala), microinsurance, micro-loans, micro-savings, bills payment, money changing and e-loading. It serves over 30 million clients through a nationwide network of 2,500+ branches and is part of the PJ Lhuillier Group of Companies. · Remittances · Lending · Financial Inclusion · Founded 1987 · Makati City, Philippines · Private - [Billease](https://fintech.ph/listing/billease): 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. · Buy Now Pay Later · Lending · Financial Inclusion · Founded 2017 · Ermita, Manila, Philippines · Series C · ₱616M raised - [Bukas](https://fintech.ph/listing/bukas): 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. · Lending · Financial Inclusion · Buy Now Pay Later · Founded 2019 · Makati City, Philippines · Series A · ₱280M raised - [Tala Philippines](https://fintech.ph/listing/tala-philippines): Instant loans for the underbanked, powered by your phone · Tala is a digital lending app operated in the Philippines by Tala Financing Philippines, Inc., a US-founded (Santa Monica) global fintech serving the underbanked. Through its mobile app, Tala provides instant, collateral-free personal loans of up to ₱25,000, underwriting customers with little or no formal credit history using alternative data from their smartphones. Since entering the Philippines in 2017, Tala has disbursed billions of pesos to millions of Filipino borrowers and surpassed 4 million customers in the country. · Lending · Financial Inclusion · Credit Scoring · Founded 2017 · Metro Manila, Philippines · Growth · ₱14.3B raised - [First Circle](https://fintech.ph/listing/first-circle): Featured · Smart banking solutions and business loans · First Circle provides SME financing and business banking solutions in the Philippines. First Circle Growth Finance Corp. is an SEC-regulated financing company; banking services are provided by partner bank Netbank. Products include credit lines, loans and business accounts. It reported about PHP25B disbursed since 2018 in its July 2026 partnership update. IFC announced a US$7M equity contribution in October 2024 alongside other investors, without disclosing the whole-round amount. A proposed securitization package of up to US$110M remained Pending Signing in IFC’s October 4, 2026 disclosure and is excluded from funding raised. · Lending · SME Financing · Founded 2016 · Taguig City, Philippines · Growth · US$33M raised - [Cashalo](https://fintech.ph/listing/cashalo): 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. · Lending · Buy Now Pay Later · Financial Inclusion · Founded 2018 · Metro Manila, Philippines · Private · ₱4.2B raised - [SAVii](https://fintech.ph/listing/savii): Financial well-being linked to your salary · SAVii (formerly Uploan) is a Philippine fintech offering salary-linked financial wellness to employees through their employers. It partners with companies to provide salary loans, salary advances, free insurance, and savings at no cost to the employer, with repayments collected via payroll deduction. It built its own credit-scoring model using employment and HR data to serve workers underserved by banks. Founded in 2017, it became the country's market-leading salary lender and was acquired in 2024 by JG Summit and Tyme Group, the shareholders behind GoTyme Bank. · Lending · Financial Inclusion · Credit Scoring · Founded 2017 · Makati City, Philippines · Series A · ₱520M raised - [Advance](https://fintech.ph/listing/advance): Responsible credit for businesses and their employees · Advance (Advance Tech Lending Inc.) is a Philippine fintech that gives businesses and their employees fast, responsible credit. It pioneered the country's first 24/7 salary-on-demand (earned-wage-access) platform, letting employees draw a portion of already-earned pay early via a mobile app, integrated with employer HRIS/payroll. It has since added business working-capital products (Business Advance, direct and payroll disbursement). Serving roughly half a million employees through 200+ partner companies, Advance has raised about US$16M+ to date (a US$16M pre-Series A in March 2023) and expanded to Vietnam via the acquisition of BravoHR. · Lending · SME Financing · Founded 2019 · Taguig City, Metro Manila · Series A · ₱872M raised - [DiskarTech](https://fintech.ph/listing/diskartech): The Philippines' first Taglish inclusive digital banking super app · DiskarTech is RCBC's financial-inclusion super app and the Philippines' first all-in-one Taglish (Tagalog-English, with Cebuano) digital banking platform, launched July 1, 2020 to bring sachet banking to unbanked and underbanked Filipinos. It offers basic deposit and regular savings accounts (no maintaining balance), the Pasado Loan of up to PHP 500,000, fund transfers, bills payment, e-load, QR payments, cash-in/out via 100,000+ agents, plus affordable insurance and telemedicine. Deposits are supervised by the BSP and insured by PDIC. The app surpassed 3 million downloads within three months of launch. · Digital Banking · Financial Inclusion · Savings · Founded 2020 · Makati City, Philippines · Public - [etomo](https://fintech.ph/listing/etomo): Online cash loans — the right friend at the right time · etomo is an online consumer-lending app operated by Etomo Financing Corporation (formerly AND Financing Corporation), the Philippine subsidiary of Mongolian-Singaporean fintech AND Global. Established in 2018, it first ran the LendPinoy platform before rebranding to etomo in July 2024, after Japan's Marubeni Corporation and Premium Group acquired majority control of the company in June 2024 with fresh capital. Using AI-based credit scoring, etomo offers collateral-free personal loans to salaried Filipinos and their families via its mobile app and web portal. It is SEC-registered and regulated by SEC-FinLenD. · Lending · Credit Scoring · Founded 2018 · Mandaluyong City, Metro Manila · Private - [FinScore](https://fintech.ph/listing/finscore): Alternative credit scoring powered by telco data · FinScore is a Philippine alternative credit-scoring company that turns telco data into predictive credit scores, helping lenders assess thin-file and unbanked borrowers. Using 400+ telco variables (top-up patterns, data usage, SIM age) from Smart and Globe subscribers, it became the first to cover 100% of the country's mobile base. Founded in 2018 by Diana Krumova, it has delivered 15M+ alternative scores and supported over US$500M in loans. In August 2023 it was acquired by Malaysia's CTOS Digital, expanding its credit-decisioning, fraud-detection and analytics suite for banks and lenders. · Credit Scoring · Fintech Infrastructure · Lending · Founded 2018 · Bonifacio Global City, Taguig · Private - [Sprout Solutions](https://fintech.ph/listing/sprout-solutions): People-first AI platform for HR, payroll and embedded employee finance · Sprout Solutions is the Philippines' largest homegrown B2B HR and payroll SaaS company, founded in 2015 by Patrick and Alex Gentry. Serving 1,000+ corporate clients and 180,000+ employees, it runs HRIS, payroll, compliance and analytics. In September 2024 it launched Sprout Finances, an embedded-finance suite: ReadyWage (earned-wage access / salary-on-demand) and ReadyCash (salary advances of PHP 3,000-50,000, powered by partner bank Netbank), with ReadySaver savings in development. Sprout has raised about US$18.3M across seed, Series A (Point72 Ventures) and a 2023 US$10.7M Series B led by Cercano Management. · Fintech Infrastructure · Lending · Financial Inclusion · Founded 2015 · Mandaluyong, Metro Manila · Series B · ₱1.0B raised - [Esquire Financing](https://fintech.ph/listing/esquire-financing): Powered by Passion · Esquire Financing, Inc. (EFI) is one of the Philippines' largest non-bank SME lenders, providing fast, non-collateral business loans to small and medium enterprises. Founded in 2011 by chairman and CEO Rajan Uttamchandani, the Taguig-based financing company offers loans of ₱100,000 to ₱10 million with minimal requirements and credit decisions in as little as 1–3 days, applied for online or through its mobile app and nationwide offices. EFI has disbursed over US$400 million to tens of thousands of entrepreneurs and is backed by private-equity firm Crescent Point Capital. · SME Financing · Lending · Financial Inclusion · Founded 2011 · ARCA South, Taguig · Private - [Kredivo Philippines](https://fintech.ph/listing/kredivo-philippines): 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. · Buy Now Pay Later · Lending · Payments · Founded 2019 · Metro Manila, Philippines · Growth · US$270M raised - [MabilisCash](https://fintech.ph/listing/mabilis-cash): MabilisCash is a Philippine online lending app operated by Mabilis Cash Financing Corp. (formerly Mali Lending Corp.), an SEC-registered, licensed financing company. Through its mobile app it offers fast, fully digital personal cash loans of up to ₱90,000 with quick approval, instant disbursement, and flexible installment repayment — no collateral or branch visits required. Built for accessible, paperless borrowing, it has surpassed 5 million app installs and is part of Fintopia, a global AI-driven fintech group. · Lending · Financial Inclusion · Founded 2019 · Bonifacio Global City, Taguig · Private - [Kviku](https://fintech.ph/listing/kviku): Kviku is an online consumer-lending platform operated by Kviku Lending Co. Inc., an SEC-registered lending company in the Philippines. Through its app and website, Filipinos can apply for unsecured cash loans entirely online using a valid government ID, with automated approval and funds typically released within an hour. Loan amounts run from roughly PHP 1,500 to PHP 25,000 over short terms, with transparent pricing and no collateral required. Kviku is part of an international fintech group offering instant-credit services across Europe and Asia. · Lending · Financial Inclusion · Founded 2020 · Makati City, Philippines · Private - [JuanScore](https://fintech.ph/listing/juanscore): Trustworthy Credit Scoring, Smarter Decisions · JuanScore is a Philippine credit-scoring and risk-analytics company, the local subsidiary of NYSE-listed FinVolution Group. Accredited by the Credit Information Corporation (CIC) as a Special Accessing Entity, it delivers AI-powered credit reports and scores, alternative and bureau-based credit scoring, KYC and ID verification (OCR, face comparison), and fraud-risk tools to lenders and financial institutions. Drawing on FinVolution's decade-plus of Asian credit-scoring experience, JuanScore deploys deep-learning models to widen credit access and advance financial inclusion for underserved Filipinos. · Credit Scoring · Lending · Fintech Infrastructure · Founded 2024 · Ortigas Center, Pasig City · Private - [Zed](https://fintech.ph/listing/zed): The credit you've always deserved · Zed is a credit-led neobank building modern credit products for young Filipino professionals. The Zed Card is a premium no-annual-fee Mastercard with no foreign-transaction fees and an interest-free grace period of up to 31 days. Instead of relying on traditional credit scores, Zed uses AI-driven underwriting that assesses current and potential income to set credit limits — extending access to people often overlooked by banks. Cardholders also get unlimited virtual cards. Zed is the first Philippine neobank licensed by the Bangko Sentral ng Pilipinas to operate as a standalone credit card issuer. · Digital Banking · Lending · Payments · Founded 2023 · Taguig, Metro Manila · Series A · US$23M raised - [Paywatch](https://fintech.ph/listing/paywatch): Redefining Payday · Paywatch is an Earned Wage Access (EWA) platform that lets employees withdraw a portion of wages they have already earned before payday, repaid via payroll deduction at no debt to the worker. Founded in South Korea in 2020 and headquartered in Kuala Lumpur, it operates across Malaysia, the Philippines, Indonesia, South Korea, Singapore, and Hong Kong. It entered the Philippines in November 2023 through local entity Paywatch Philippines Finance Corporation, a BSP-registered Operator of Payment Systems, serving employers such as Shangri-La, TELUS Digital Philippines, and Sagility. · Lending · Financial Inclusion · Payments · Founded 2020 · Kuala Lumpur, Malaysia · Series A · US$25M raised - [ProCredit](https://fintech.ph/listing/procredit): Your Trusted Financing Partner · ProCredit is a tech-enabled SME lender in the Philippines focused on the mid-market business segment, offering tailored business loans, revolving credit lines, and automatic loan top-ups with risk-based pricing. It pairs senior credit-officer-led engagement with a proprietary, rules-based underwriting and portfolio-management system to deliver fast in-principle decisions. Founded in 2023 and based in Makati, it was started by a team with decades of combined emerging-markets SME-lending experience and raised about US$4.1 million in pre-seed funding in 2024 to grow its loan book. · SME Financing · Lending · Founded 2023 · Makati City, Metro Manila · Pre-seed · ₱229M raised - [MatchMo](https://fintech.ph/listing/matchmo): MatchMo is a Filipino-owned digital mortgage brokerage operated by Snapp Ventures, Inc. Its proprietary algorithm matches homebuyers with home-loan packages across more than 20 partner banks and financial institutions, and lets borrowers compare offers and submit documents online for free, with partner banks paying MatchMo. It also provides loan-processing tools and a proptech platform for real-estate developers, with partners including Filinvest Land, Landco Pacific, and Pueblo de Oro. Founded in 2021, MatchMo raised a PHP 30 million seed round from Insignia Venture Partners and operates nationwide from Muntinlupa City. · Lending · Fintech Infrastructure · Founded 2021 · Muntinlupa City, Metro Manila · Seed · ₱30M raised - [Skyro](https://fintech.ph/listing/skyro): 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. · Buy Now Pay Later · Lending · Financial Inclusion · Founded 2022 · Bonifacio Global City, Taguig · Private - [InvestEd](https://fintech.ph/listing/invested-ph): InvestEd is a digital-first education lender helping under-resourced Filipino students finish their studies. Founded in 2016 by Carmina Bayombong, it offers collateral-free Success Loans for tuition, gadgets, allowance, thesis, board-exam review and rent, using a proprietary pro-student AI credit-scoring model built for Gen-Z borrowers with no formal credit history. Loans are disbursed directly to 700+ partner schools and vendors, and borrowers are supported through a high-touch success program. An SEC-registered lending company, InvestEd is a pioneer in financial inclusion for unbanked Filipino youth. · Lending · Financial Inclusion · Credit Scoring · Founded 2016 · Metro Manila, Philippines · Seed - [Finbro](https://fintech.ph/listing/finbro): Online na solusyon sa pinansyal · Finbro is a Philippine online consumer lending platform operated by Sofi Financing Inc. (formerly Sofi Lending Inc.). Through its website and mobile app it offers short-term personal cash loans of ₱1,000 to ₱50,000 with terms from 7 days to 12 months, with application, approval and disbursement done fully online — typically within minutes — to e-wallets or bank accounts, plus cash pickup via partners such as Cebuana Lhuillier, M Lhuillier and TrueMoney. It is SEC-registered and holds a Certificate of Authority to operate as a financing company. · Lending · Financial Inclusion · Founded 2019 · Bonifacio Global City, Taguig · Private - [JuanHand](https://fintech.ph/listing/juanhand): Fast online cash loans from FinVolution-backed WeFund Lending · JuanHand is a Philippine online consumer-lending app operated by WeFund Lending Corp., the local subsidiary of NYSE-listed FinVolution Group. Launched in 2019, it offers unsecured personal cash loans of PHP 2,000-50,000 with terms of roughly 1-6 months, approving and disbursing in as fast as five minutes. It is SEC-registered (CS201825672; Certificate of Authority No. 2844) and recorded on the SEC's list of online lending platforms. WeFund reports PHP 85B+ in cumulative loans to 20M+ users. · Lending · Financial Inclusion · Founded 2018 · Mandaluyong City, Philippines · Private - [SplitMo](https://fintech.ph/listing/splitmo): 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. · Buy Now Pay Later · Lending · Payments · Founded 2020 · Makati City, Metro Manila · Private - [Atome](https://fintech.ph/listing/atome-ph): 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. · Buy Now Pay Later · Lending · Payments · Founded 2021 · Metro Manila, Philippines · Growth - [UnionDigital Bank](https://fintech.ph/listing/uniondigital): UnionBank's digital banking subsidiary for the underserved · UnionDigital Bank is the BSP-licensed digital banking subsidiary of UnionBank of the Philippines, the only digital bank in the country established by a universal bank. Granted a digital banking licence in July 2021 and authority to operate in July 2022, it serves underbanked Filipinos through a mobile app offering high-yield savings and time deposits, plus instant UD Cash Loans (up to PHP 30,000, no collateral), QRPh transfers and bill payments. Deposits are PDIC-insured up to PHP 1M. · Digital Banking · Lending · Savings · Founded 2021 · Pasig City, Metro Manila · Private · ₱6.1B raised - [Akulaku Philippines](https://fintech.ph/listing/akulaku): 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. · Lending · Buy Now Pay Later · Financial Inclusion · Founded 2016 · Pasig City, Metro Manila · Growth - [Salmon](https://fintech.ph/listing/salmon): 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. · Lending · Buy Now Pay Later · Digital Banking · Founded 2022 · Metro Manila, Philippines · Growth · ₱13.3B raised - [Cash-Express Philippines](https://fintech.ph/listing/cash-express): Cash-Express is a digital consumer-lending platform offering fast, fully online cash loans to Filipinos, with applications, approval and disbursement handled in minutes via its mobile app or website. Part of Aventus Group — a digital-lending group operating across Europe and Asia since 2009 — Cash-Express (formerly Cashxpress South East Asia Lending) provides short-term loans of ₱500 to ₱40,000 with 7-to-14-day terms, including 0% interest on a new borrower's first 7 days. It operates as an SEC-registered financing company under the Truth in Lending Act, disbursing funds to the borrower's bank account or ATM card. · Lending · Financial Inclusion · Founded 2019 · Bonifacio Global City, Taguig · Private - [1Sari](https://fintech.ph/listing/1sari): Dagdag PUHUNAN, dagdag BENTA, dagdag KITA! · 1Sari is a Philippine financing company providing embedded inventory and working-capital loans to micro-retailers, primarily the country's sari-sari (neighborhood) stores. Through partnerships with the B2B platform Packworks, UNO Digital Bank and Cebuana Lhuillier, eligible stores can access a starter credit line of about ₱2,500 — delivered in-app — to restock inventory, with a prompt-payment rebate. Founded in 2022 and based in Quezon City, 1Sari targets the roughly 1.3 million largely unbanked sari-sari stores with inventory financing, working-capital and general-purpose microloans to support financial inclusion. · SME Financing · Lending · Financial Inclusion · Founded 2022 · Quezon City, Metro Manila · Private - [Lista](https://fintech.ph/listing/lista): Basta pera, Lista — money management made simple for every Filipino · Lista is one of the Philippines' fastest-growing personal and small-business finance apps, with over 3 million downloads. Founded in 2021 by Aaron Villegas and Khriztina Lim, it started as a digital listahan (ledger) for tracking income, expenses, debts (utang) and invoices for sari-sari stores and MSMEs. It has since expanded into broader money management (budgeting, savings goals, bill reminders), plus a marketplace to compare and apply for credit cards, loans and insurance, and in-app access to credit scores from the CIC, CIBI and TransUnion. Lista has raised ~US$5.1M+ from investors led by 1982 Ventures and Openspace Ventures. · Financial Inclusion · SME Financing · Credit Scoring · Founded 2021 · Metro Manila, Philippines · Seed · ₱280M raised - [konek2CARD](https://fintech.ph/listing/konek2card): konek2CARD is the mobile-banking and agent-banking platform of the CARD MRI microfinance group, operated by FDS Asya Philippines, Inc., a BSP-registered Electronic Money Issuer and joint venture between CARD MRI Holdings and Singapore's Fortress Data Services. It lets clients of CARD Bank, CARD SME Bank, CARD MRI Rizal Bank and CARD Inc. (NGO) do savings, fund transfers, loan payments, bills payment and cash-in/out via smartphone or community-based agents, advancing rural financial inclusion. It has surpassed two million registered users and roughly 18,000 agents. · Lending · Financial Inclusion · Digital Wallet · Founded 2016 · Makati City, Metro Manila · Private - [Moneymax](https://fintech.ph/listing/moneymax): Moneymax is one of the Philippines' leading personal-finance comparison marketplaces, helping Filipinos compare, choose, and apply online for credit cards, personal and auto loans, and insurance — for free and impartially. Operated by Moneyguru Philippines Corporation with insurance brokerage via its subsidiary MoneyHero Insurance Brokerage, Inc., Moneymax partners with leading banks and insurers including BPI, RCBC, UnionBank, FWD, and Singlife to match users with the right products. Launched in 2014, it is the local brand of MoneyHero Group (NASDAQ: MNY), a personal-finance aggregator across Southeast Asia. · Lending · Insurance · Financial Inclusion · Founded 2014 · Bonifacio Global City, Taguig · Private - [GoodKredit](https://fintech.ph/listing/goodkredit): 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. · Financial Inclusion · Buy Now Pay Later · Lending · Founded 2016 · Cebu City, Philippines · Seed · ₱3M raised - [Radiowealth Finance Company](https://fintech.ph/listing/radiowealth-finance): Radiowealth Finance Company, Inc. (RFC) is one of the Philippines' pioneering non-bank finance companies, tracing its roots to the Guevara family's Radiowealth (founded 1935) and incorporated as a finance company in 1964. An SEC-licensed financing company, RFC provides accessible consumer, SME, collateral, and business loans through 120+ branches nationwide alongside a growing digital channel — online loan applications and its digital arm, Radiowealth Financial Services Corporation (RFSC), for unsecured online lending, plus embedded-lending partnerships. RFC continues to digitalize credit access for Filipino entrepreneurs and households. · Lending · SME Financing · Financial Inclusion · Founded 1964 · Mandaluyong City, Metro Manila · Private - [PawnHero](https://fintech.ph/listing/pawnhero): Pawning experience, upgraded! · PawnHero is the Philippines' first online pawnshop — billed as Southeast Asia's first — offering fast, discreet collateralized cash loans through its website and app. Filipinos pawn items like designer bags, watches, jewelry, gadgets, electronics and cameras, with free pickup in Metro Manila and surrounding areas, online appraisal, and remote loan renewals and redemptions. Interest rates start as low as 3.99% per month — among the lowest in the country — versus traditional pawnshops. Operated by PawnHero Pawnshop Philippines, Inc. (SEC- and BSP-regulated), it uses technology to make pawning convenient, transparent and hassle-free. · Lending · Financial Inclusion · Founded 2014 · Bonifacio Global City, Taguig · Series A - [OneLot](https://fintech.ph/listing/onelot): OneLot is a Philippine financing platform built for independent used-car dealers, combining secured inventory loans with digital dealership tools. Operated by OneLot Financing Corporation, an SEC-licensed financing company, it uses AI-driven underwriting paired with on-the-ground vehicle appraisal to issue credit decisions within hours, giving dealers revolving credit lines to buy and stock inventory. Beyond floorplan financing, OneLot offers new-car acquisition and bank-auction loans. Founded in 2023, it has issued over US$7M in loans to 150+ dealers and raised the Philippines' largest seed round of 2025. · SME Financing · Lending · Financial Inclusion · Founded 2023 · Makati, Metro Manila · Seed · US$7M raised - [Venteny](https://fintech.ph/listing/venteny): Venteny is an employee "super-app" and B2B fintech that helps employers improve workforce financial well-being. Founded in the Philippines in 2015, it offers Earned Wage Access (EWA) and salary advances that let employees draw a portion of already-earned pay before payday, plus multi-purpose employee loans, payroll services for outsourced workers, and a benefits and merchant-perks marketplace. Venteny operates across the Philippines, Singapore, Indonesia and Japan; its parent, PT VENTENY Fortuna International Tbk, is listed on the Indonesia Stock Exchange. · Lending · Financial Inclusion · Founded 2015 · Makati City, Metro Manila · Public - [Home Credit Philippines](https://fintech.ph/listing/home-credit-philippines): 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. · Lending · Buy Now Pay Later · Financial Inclusion · Founded 2013 · Taguig City (BGC) · Private - [Easylend](https://fintech.ph/listing/easylend): Easy na yan, with Easylend · Easylend is the consumer-lending brand of Country Funders Finance Corporation (CFFC), a financing company under the Philippines' Ropali Group. Launched in 2025, Easylend provides fast, accessible motorcycle, business and agricultural loans for everyday Filipinos — commuters, riders, sari-sari store owners, agripreneurs and MSMEs — with motorcycle-loan approvals in as fast as 1–2 hours and only one valid ID plus proof of income required. Through its mobile app and 300+ partner dealerships and retail outlets nationwide, CFFC has served over 200,000 borrowers since 2018. · Lending · Financial Inclusion · SME Financing · Founded 2018 · Pasig City, Metro Manila · Private - [Proficio](https://fintech.ph/listing/proficio): Verified · SME credit intelligence for Philippine lenders · Proficio is a Philippine fintech company building SMEVE (the SME Valuation Engine)—the credit intelligence workbench that helps banks and MFIs read the business behind the borrower. SMEVE takes an SME lending team from the borrower's raw file to the Credit Committee pack in one structured workflow. SMEVE cross-checks declared figures against bank statements, evaluates whether the underlying business is viable alongside traditional debt-service ratios, and keeps the source page attached to every number. · Lending · SME Financing · Credit Scoring · Founded 2024 · San Pablo City, Laguna · Pre-seed - [SB Finance](https://fintech.ph/listing/sb-finance): Dito, pwede! · SB Finance Company, Inc. is the consumer-finance arm of Security Bank, operated as a 50/50 joint venture with Thailand's Krungsri (Bank of Ayudhya, part of the MUFG group). An SEC-licensed financing company supervised by the BSP, it provides accessible loans to everyday and underserved Filipinos — salary and employee loans (eSALAD), personal loans, motorcycle financing (MotorsikLOAN), and OR/CR collateral loans (Car4Cash) — paired with financial-literacy programs that promote responsible borrowing. It has activated over 500,000 loan accounts nationwide. · Lending · Financial Inclusion · SME Financing · Founded 2017 · Makati City, Philippines · Private - [Global CreditPros](https://fintech.ph/listing/global-creditpros): Say Hi to Holistic · Global CreditPros is a Makati-based fintech lender founded in 2016, offering salary and payroll-deduction loans aimed at the BPO workforce, OFWs, and overseas Filipinos. Beyond credit, it markets a holistic suite of add-ons including short-term insurance, educational loans, a retirement program, financial-literacy campaigns, and mental-health support. Borrowers apply online via the website or its mobile app, with credit-worthiness assessed by proprietary scoring software before payslip verification. It is a SEC-registered financing/lending company operating under a Certificate of Authority. · Lending · Financial Inclusion · Founded 2016 · Makati City, Metro Manila · Private - [LoanChamp](https://fintech.ph/listing/loanchamp): Kailangan mo ng pera? I-LoanChamp mo na! · LoanChamp is an online lending platform operated by Y Finance Inc., a Makati-based SEC-registered lending company founded in 2018. It offers fully online personal, salary and seafarer loans of ₱2,000 to ₱500,000 with same-day disbursement, focused on financial inclusion for underserved Filipino borrowers. In 2023, UAE-based consumer-tech group Astra Tech acquired a 90% stake in Y Finance. · Lending · Financial Inclusion · Founded 2018 · Makati City, Metro Manila · Private - [Payday Today](https://fintech.ph/listing/payday-today): Payday Today is an Earned Wage Access (EWA) app from Cebu-based GoodApps, Inc. that lets employees draw a portion of their already-accrued salary before payday and transfer it to any bank or e-wallet. Free for participating employers and charging employees no interest on the wages they access, it aims to reduce reliance on high-cost loans during pay gaps. The app works through a web portal where employers enroll workers and release wage credits, and was built with support from a DOST-PCIEERD Startup Grant Fund award. GoodApps is a BSP-registered Operator of Payment System. · Financial Inclusion · Lending · Founded 2022 · Cebu City, Philippines · Private · ₱3M raised - [N90 Lending Corp.](https://fintech.ph/listing/n90): This is finance built for SMEs · N90 Lending Corp. is an SEC-registered, born-digital alternative lender giving Philippine small and medium enterprises fast, fair, and flexible access to capital. Built around the realities of delayed payments and rigid bank requirements, N90 offers small business loans, invoice financing, purchase-order and working-capital funding, and bridge loans of up to ₱25 million — with minimal documentation, upfront pricing, and quick decisions. It also extends to the workforce through Earned Wage Access via its AgadPay product. Based in Bonifacio Global City, Taguig. · SME Financing · Lending · Financial Inclusion · Founded 2024 · Bonifacio Global City, Taguig · Private - [MoneyCat](https://fintech.ph/listing/moneycat): Online consumer lending in the Philippines · MoneyCat is an online cash-loan service operated by MoneyCat Financing Inc., an SEC-registered Philippine financing company (Certificate of Authority No. 1254). MoneyCat offers fully digital personal loans from PHP 500 up to PHP 20,000 for terms of 65 to 180 days, with applications processed online in minutes and funds disbursed to a bank account or e-wallet. It uses telco-based alternative credit scoring to serve first-time and underbanked borrowers, and offers a 0%-interest promo on a first loan. · Lending · Financial Inclusion · Founded 2019 · Mandaluyong City, Philippines · Private - [ACOM Consumer Finance Corporation](https://fintech.ph/listing/acom): ACOM Consumer Finance Corporation is an SEC-licensed financing company offering fast, collateral-free consumer cash loans to employed Filipinos. Its flagship product, REVOMAX, is an online revolving credit line of ₱3,500 to ₱500,000 that can be reused within an approved limit and grows with a borrower's repayment history. Customers apply online through the ACOM website or mobile app with e-signature, with funds disbursed to bank accounts, GCash, or Maya. Established in 2017, it is a joint venture of Japan's ACOM Co., Ltd. — a Mitsubishi UFJ Financial Group (MUFG) company — and ITOCHU Corporation. · Lending · Financial Inclusion · Founded 2017 · Pasig City, Metro Manila · Private - [Mocasa](https://fintech.ph/listing/mocasa): 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. · Buy Now Pay Later · Lending · Financial Inclusion · Founded 2022 · Pasig City, Metro Manila · Private - [Crawfort](https://fintech.ph/listing/crawfort): Crawfort Philippines is an SEC-registered online lending company offering fast, fully digital personal cash loans of up to ₱50,000 to individual borrowers, with applications and disbursement handled through its mobile app and website. It is the Philippine arm of Singapore-based Crawfort (Capital C Corporation). · Lending · Financial Inclusion · Founded 2019 · Makati City, Metro Manila · Private - [Asialink Finance](https://fintech.ph/listing/asialink-finance): Asialink Finance Corporation is one of the Philippines' largest non-bank lenders, specializing in collateral-backed credit for micro, small and medium enterprises — secured vehicle, truck and second-hand auto loans, real-estate-backed business loans, and OFW/seafarer personal loans. Founded in Pasig in 1997, it operates roughly 250 branches nationwide. In February 2024 private-equity firm Creador acquired an 18% stake for ₱4 billion, and the company has since secured IFC, ADB and CGIF-backed facilities to expand MSME lending (targeting ₱17 billion in disbursements for 2025) while digitalizing operations. Majority-owned by the Lugtu family. · Lending · SME Financing · Financial Inclusion · Founded 1997 · Pasig City · Private · ₱4.0B raised - [Asteria Lending](https://fintech.ph/listing/asteria-lending): Asteria Lending, Inc. is a Makati-based online lending company that makes borrowing fast, simple, and fully digital. Through its website, Filipinos can apply for salary and personal loans from ₱2,000 up to ₱50,000 with no collateral and minimal requirements, and receive a decision within about 24 hours, with flexible repayment terms of 30 to 120 days. SEC-registered and licensed as a lending company, Asteria positions itself as a convenient, entirely online alternative to traditional banks — lighter requirements, no branch visits or queues, and a support team to guide borrowers. · Lending · Financial Inclusion · Founded 2016 · Makati City, Metro Manila · Private - [Flexi Finance](https://fintech.ph/listing/flexi-finance): 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. · Lending · Buy Now Pay Later · Founded 2016 · Cebu City, Philippines · Private - [Jia](https://fintech.ph/listing/jia): Unlock working capital with Jia · Jia is a digital SME-financing company giving Philippine small and medium businesses fast access to working capital. Combining AI-driven credit assessment with blockchain-based capital, Jia offers invoice factoring, receivables and purchase-order financing, inventory financing, and supply-chain financing — with funding decisions in under 24 hours, fees of roughly 1–5%, and flexible terms from one day to six months. Backed by Coinbase Ventures, the Stellar Development Foundation and others, Jia is building an integrated financial operating system to close the Philippines' multi-billion-dollar SME credit gap. · SME Financing · Lending · Financial Inclusion · Founded 2022 · Metro Manila, Philippines · Seed · US$3M raised - [Pondo Pinoy](https://fintech.ph/listing/pondo-pinoy): Apply in Minutes, Get Funded in 1 Day · Pondo Pinoy is a Philippine online lending company providing collateral-free working-capital loans to micro, small, and medium enterprises. It serves sari-sari store owners, franchisees, and entrepreneurs with business loans ranging from about ₱15,000 up to ₱5 million. Its model combines field agents with a web-based application portal and online payment gateways for application, disbursement, and repayment. Products include short-term working-capital loans, long-term installment loans, franchise and small-business loans, invoice financing, and revolving credit lines. The company is SEC-registered and based in Makati City. · Lending · SME Financing · Financial Inclusion · Founded 2023 · Makati City, Metro Manila · Private - [Cepat Kredit](https://fintech.ph/listing/cepat-kredit): Kaya agad ang financial goals mo sa CEPAT KREDIT! · Cepat Kredit Financing Inc. is a Philippine financing company specializing in personal loans for Overseas Filipino Workers (OFWs) and seafarers. A member of the Asialink Group, it offers OFW and seaman's loans from roughly ₱40,000 up to ₱1,000,000 with flexible 3–24 month terms, processed online with approval in 1–3 days. The company reports over ₱7.5 billion in loans released across more than 72,900 accounts. · Lending · Financial Inclusion · Founded 2019 · Pasig City, Metro Manila · Private - [Online Loans Pilipinas](https://fintech.ph/listing/online-loans-pilipinas): Online personal loans for Filipino borrowers · Online Loans Pilipinas (OLP) is a Philippine online lending app operated by Online Loans Pilipinas Financing, Inc., an SEC-registered financing company (Certificate of Authority No. 1181). OLP offers fully digital, collateral-free cash loans of ₱1,000 to ₱20,000 (first-time borrowers up to ₱7,000), applied for and disbursed entirely through its mobile app to a bank account or e-wallet such as GCash, often within minutes. Loans carry 0% interest when repaid by the first due date, with terms of up to 30 days, serving Filipinos seeking quick, paperless access to short-term credit. · Lending · Financial Inclusion · Founded 2017 · Mandaluyong City, Metro Manila · Private - [Plentina](https://fintech.ph/listing/plentina): 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. · Buy Now Pay Later · Lending · Credit Scoring · Founded 2019 · Parañaque, Metro Manila · Seed · ₱255M raised - [CARD Pioneer Microinsurance](https://fintech.ph/listing/card-pioneer-microinsurance): CARD Pioneer Microinsurance Inc. (CPMI) is one of the Philippines' first non-life microinsurance companies, established in 2013 as a joint venture between CARD MRI (Center for Agriculture and Rural Development, Mutually Reinforcing Institutions) and Pioneer Insurance. CPMI designs affordable, pro-poor microinsurance covering calamity, agriculture, personal accident and income-loss risks for underserved Filipino families, farmers and microentrepreneurs. Distributed through CARD MRI's nationwide microfinance network, its model is cited globally by CGAP and the ILO as a financial-inclusion benchmark. · Insurance · Lending · Financial Inclusion · Founded 2013 · Makati City, Metro Manila · Private - [Tendo by Tonik](https://fintech.ph/listing/tendopay): 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. · Buy Now Pay Later · Lending · Financial Inclusion · Founded 2018 · Pasig City, Philippines · Private - [Bizmoto](https://fintech.ph/listing/bizmoto): Start your micro-business now and earn using your cellphone. · Bizmoto is a Philippine digital-payments and agent-banking platform operated by Peppermint Bizmoto Inc., a BSP-licensed Electronic Money Issuer and subsidiary of ASX-listed Peppermint Innovation Limited. Its mobile app lets agents and consumers cash in and out, send money via InstaPay and PESONet, pay bills, buy e-load, run an e-commerce storefront (BizmoTinda) and delivery service (BizmoGo), and access app-based micro-lending (BizmoLoan). It targets unbanked and underbanked Filipinos, MSMEs and rural cooperatives. · Digital Wallet · Payments · Financial Inclusion · Founded 2016 · Metro Manila, Philippines · Private ## Lending companies in the Philippines Online lending platforms, P2P lending, microfinance, and credit solutions Browse lending companies with their licences, funding and links to their sites and developer docs. --- From fintech.ph, an independent directory of fintech companies in the Philippines, as of October 27, 2026. Please link to https://fintech.ph/category/lending when citing this page.