What is the loan app with the lowest interest in the Philippines?

Of the SEC-registered lenders we checked on 22 October 2026, MoneyCat is the only one that publishes a rate you can turn into a total for a ₱10,000, 3-month loan: about ₱12,469 on its published 11.9% a month. Others either don't publish rates or don't offer that term. Your own rate depends on your profile, so compare the total in each disclosure statement.

Ano ang pinakamababang tubo na puwedeng singilin ng loan app?

Walang minimum, pero may maximum. Para sa loan na ₱10,000 pababa at hanggang 4 na buwan, hanggang 6% kada buwan lang ang nominal interest at hanggang 12% kada buwan ang kabuuang interes at fees mula 1 April 2026, ayon sa SEC Memorandum Circular No. 14, series of 2025.

Is 0.5% a day still the legal limit for loan apps?

Not for new covered loans. 0.5% a day (15% a month) was the all-in ceiling under BSP Circular 1133. For loans of ₱10,000 or less and up to 4 months made, restructured or renewed from 1 April 2026, SEC MC 14 lowered it to 12% a month, about 0.4% a day.

How much is the late payment penalty limit?

For covered loans, late payment or non-payment penalties are capped at 5% a month on the overdue amount. And all interest, fees and penalties together can't go above 100% of what you borrowed.

Magkano ang babayaran ko sa ₱5,000 na loan sa loob ng 30 araw?

Depende sa app, pero ayon sa batas, hindi ito puwedeng lumampas sa ₱5,600 kung on time ka magbabayad, dahil 12% kada buwan ang ceiling ng kabuuang interes at fees. Tingnan ang disclosure statement para sa eksaktong total bago mag-accept.

Why isn't Finbro ranked?

Finbro doesn't publish its interest rate or processing fee on its website. Its FAQ says you'll see them during the application, before you confirm. We only rank lenders on prices they publish, so it's listed but unranked.

Are bank or SSS loans cheaper than loan apps?

Usually, yes, by a lot. SSS and Pag-IBIG loans charge a few percent a year, not a month. Bank personal loans take longer to approve but often cost less for amounts above ₱10,000. Apps are fast, and you pay for that speed.

Low-interest loan apps in the Philippines, ranked by what you actually repay

SEC-registered lenders only, priced from their own websites on the same ₱5,000 and ₱10,000 loans. Rates checked October 22, 2026.

PersonalLoans.ph is a comparison website, not a lender. Approval is never guaranteed.

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Before you apply: confirm the lender's corporate name, SEC Registration No. and Certificate of Authority No. on sec.gov.ph, and compare the total amount to repay in the disclosure statement. Our list of legit loan apps in the Philippines shows which apps are on the SEC list.

Everyone asks the same thing: alin ang loan app na pinakamababa ang tubo? The honest answer is that "low interest" on an ad means very little. One app says 0%, another says 11.9% a month, a third says 1.5% a day. Those numbers aren't measured the same way, and some leave out fees. So we did the boring part. We took the SEC-registered lenders in our own data, copied the prices each one publishes on its own website, and worked out how much you'd actually pay back on the same loan.

The number we rank by is the total repayable: every peso you hand back, from the first hulog to the last. Not the advertised rate. If a lender doesn't publish enough to compute that number, we say so and leave it unranked. We don't guess.

PersonalLoans.ph is a comparison website, not a lender. We may earn a commission when you apply through some links on this page, and that doesn't change the order. The lender decides on your application and your final rate.

The short answer

₱10,000 for 3 months: of the SEC-registered lenders we checked, only MoneyCat publishes a rate you can turn into a total. On its published 11.9% a month, that's about ₱12,469 if the rate runs on the declining balance. The legal ceiling for a loan this size is about ₱12,490.
₱5,000 for 30 days: none of the lenders we checked publishes a 30-day price for ₱5,000. By law, the most a covered lender can charge you in interest and fees on that loan is ₱600, so the total can't legally go above ₱5,600 if you pay on time.
Finbro and Home Credit don't show their rates publicly (or blocked our check), so they're listed but not ranked.
Cheaper than any app: an SSS or Pag-IBIG loan, if you qualify. See the alternatives section below.

The legal caps on small loan apps (2026)

Before the table, it helps to know the ceiling. Lending and financing companies, and the apps they run, can't price a small loan however they like.

The original caps came from BSP Circular No. 1133, series of 2021, which the SEC put into effect through SEC Memorandum Circular No. 3, series of 2022, starting 3 March 2022. In December 2025 the SEC tightened them with SEC Memorandum Circular No. 14, series of 2025, which applies to loans entered into, restructured or renewed from 1 April 2026.

Which loans are covered: unsecured, general-purpose loans from lending and financing companies of ₱10,000 or less, with a term of up to 4 months. Most first loans from apps fall here.

What's capped	Ceiling since 1 April 2026 (SEC MC 14, s. 2025)	Before (BSP Circular 1133 and SEC MC 3, s. 2022)
Nominal interest rate	6% a month (about 0.2% a day)	6% a month (about 0.2% a day)
Effective interest rate: interest plus processing, service, notarial and similar fees, not counting late penalties	12% a month (about 0.4% a day)	15% a month (about 0.5% a day)
Late payment or non-payment penalty	5% a month on the overdue amount	5% a month on the overdue amount
Total cost cap: all interest, fees and penalties added up	100% of the amount borrowed	100% of the amount borrowed

You'll still see "0.5% a day" quoted online. That was the old all-in ceiling. For covered loans made from April 2026, the all-in ceiling is 12% a month, about 0.4% a day. And the late fee cap is 5% a month, not 1%.

The 100% total cost cap is the hard stop. On a ₱5,000 loan, everything added together (interest, fees and penalties) can never go past ₱5,000, kahit gaano ka katagal ma-late. So you'd never legally owe more than ₱10,000 in total on that ₱5,000.

Loans above ₱10,000 or longer than 4 months aren't covered by these caps. The lender still has to show you the full cost under the Truth in Lending Act (RA 3765), but the price ceiling doesn't apply. That's why the ₱20,000 or 6-month loan in an app can cost far more per month than a small one.

The SEC's penalties for breaking the caps start at ₱50,000 for a first offense and can end in revocation of the company's Certificate of Authority, according to the circular as reported by the Philippine Star and BusinessWorld in December 2025.

Ranking: total repayable on the same loan

Sorted by lowest total repayable on ₱10,000 over 3 months. Lenders that don't publish enough to compute a total are listed below the ranked ones, unranked. Rates checked 22 Oct 2026 on each lender's own website.

SEC-registered lenders ranked by total repayable on two example loans, using only rates and fees each lender publishes. Rates checked 22 October 2026. Swipe sideways on mobile to see all columns.
Rank	Lender	₱10,000, 3 months Total repayable	₱5,000, 30 daysTotal repayable	What the lender publishes	Source	Apply
1	MoneyCatMoneyCat Financing Inc.SEC CS201953073, CA 1254	about ₱12,469Estimate from the published 11.9% a month on the declining balance (about ₱4,156 a month). ₱13,570 if charged flat on the original ₱10,000.	Not offered: terms are 3 to 6 months	₱500 to ₱20,000, 3 to 6 months, 11.9% a month, max APR 145%. No separate fee published.	moneycat.ph homepage, checked 22 Oct 2026	Apply at MoneyCat (opens in new tab)
Unranked	FinbroSofi Financing Inc.SEC CS201908275, CA 1324	Not ranked: rate and fees not published	Not ranked: rate and fees not published	₱1,000 to ₱50,000 for new clients, 12-month term shown. Rates and fees shown only during the application.	finbro.ph homepage and FAQ, checked 22 Oct 2026	Apply at Finbro (opens in new tab)
Unranked	DigidoDigido Finance Corp.SEC CS202003056, CA 1272	Not ranked: only a maximum (up to 1.5% a day) is published	Not ranked: 0% first loan is ₱1,000 to ₱4,000 for 7 days only	First loan ₱1,000 to ₱4,000 at 0% for 7 days. Repeat loans up to ₱25,000, rate "does not exceed 1.5% per day".	digido.ph homepage and FAQ, checked 22 Oct 2026	Not a partner, no link
Unranked	Cash-ExpressCash-Express Philippines Financing Inc.SEC CS201951088, CA 1309	Not comparable: minimum term is 180 days. Its own example: ₱10,000 for 182 days = ₱38,999	Not comparable: minimum term is 180 days	₱1,000 to ₱50,000, 180 to 365 days, 1.5% to 1.99% a day after a 7-day 0% period for new clients, ₱1,000 issuance fee, max APR 726.35%.	cash-express.ph loan details, checked 22 Oct 2026	Not a partner, no link
Unranked	Home CreditHC Consumer Finance Philippines, Inc.SEC CS201301354, CA 1071	Not ranked: site blocked our check	Not ranked: site blocked our check	Could not read published cash loan rates (homecredit.ph blocked automated access).	homecredit.ph (not reachable), checked 22 Oct 2026	Not a partner, no link
	Legal ceilingSEC MC 14, s. 2025, from 1 Apr 2026	about ₱12,490	₱5,600	Most a lending or financing company can charge on time for these covered loans (₱10,000 or less, up to 4 months): 12% a month all-in, nominal interest up to 6% a month.

Totals assume you pay every hulog on time and include only fees the lender publishes. Your offer can be different. The disclosure statement the lender shows before you accept is the final word. Loan-matching sites aren't lenders, so they aren't ranked.

How we worked out the totals

Here's the method, so you can check us or redo it with your own offer.

Who's in. Only lenders in our own lender data that are SEC-registered lending or financing companies with a Certificate of Authority: Finbro (Sofi Financing Inc.), MoneyCat (MoneyCat Financing Inc.), Digido (Digido Finance Corp.), Cash-Express (Cash-Express Philippines Financing Inc.) and Home Credit (HC Consumer Finance Philippines, Inc.). Loan-matching sites aren't lenders, so they aren't ranked. Apps that we can't verify on the SEC list aren't included at all.
Where the prices come from. Only from each lender's own website, opened on 22 October 2026. No review sites, no screenshots from Facebook groups, no "users say".
The two examples. ₱5,000 paid back in one go after 30 days, and ₱10,000 paid back in 3 equal monthly hulog. Both are inside the SEC's covered range, so the caps apply.
How we compute. When a lender publishes a monthly rate without saying how it's applied, we use the declining-balance method, which is how the effective interest rate is measured under the Truth in Lending rules. We also show what the total would be if the rate were charged flat on the original amount, because some lenders do it that way.
What we add. Every fee the lender publishes. If a lender publishes none, we add none and say so.
What we don't do. We don't rank a lender on a promo rate that only applies to some borrowers, on a maximum ("up to"), or on a figure we'd have to guess.

The legal ceiling, worked out. For ₱5,000 over 30 days, 12% of ₱5,000 is ₱600, so the most you can pay back is ₱5,600. For ₱10,000 over 3 equal monthly payments at an all-in 12% a month on the declining balance, each payment is about ₱4,163, and the total is about ₱12,490. Any covered offer above those totals, if you pay on time, is above the ceiling.

What each lender actually publishes

MoneyCat (MoneyCat Financing Inc., SEC Reg. No. CS201953073, CA No. 1254). The homepage lists loans of ₱500 to ₱20,000, a term of 3 to 6 months, "Rate ng interes 11.9% sa bawat buwan" and a maximum APR of 145%. It also says interest can be "kasing baba ng 0%", which sounds like a promo for some borrowers, so we don't rank on it. MoneyCat doesn't publish a separate processing fee on the homepage. It also doesn't say whether 11.9% is the nominal rate or the all-in effective rate. That matters: for a ₱10,000 loan of 4 months or less, the nominal rate can't go above 6% a month, and the all-in rate can't go above 12%. So the published figure fits the rules only as the all-in rate on a covered loan. Check the disclosure statement before you accept. Because the term starts at 3 months, there's no 30-day MoneyCat loan to compare.

Finbro (Sofi Financing Inc., SEC Reg. No. CS201908275, CA No. 1324). New clients can choose ₱1,000 to ₱50,000 on the calculator, and the homepage shows a 12-month term for new clients. Its FAQ says the interest rate and processing fee are shown "during the loan application process before confirming the loan agreement". So there's no public price to rank. That isn't a red flag by itself. It just means you have to get to the disclosure statement to compare.

Digido (Digido Finance Corp., SEC Reg. No. CS202003056, CA No. 1272). Digido advertises a first loan of ₱1,000 to ₱4,000 at 0% interest for 7 days. For repeat borrowers, its FAQ says the rate "depends on the term and amount of the loan, but does not exceed 1.5% per day". That's a maximum, not a price, and 1.5% a day would be far above the cap on a covered loan. We can't rank a range like that. We're not a Digido partner, so there's no link.

Cash-Express (Cash-Express Philippines Financing Inc., SEC Reg. No. CS201951088, CA No. 1309). Cash-Express publishes the most detail of anyone here: ₱1,000 to ₱50,000, terms of 180 to 365 days, 0% for the first 7 days for new customers, then 1.5% to 1.99% a day, a ₱1,000 issuance fee and a maximum APR of 726.35%. Its own example: ₱10,000 for 182 days at an APR of 700% costs ₱27,999 in interest plus the ₱1,000 fee, so ₱38,999 total. Because the minimum term is 180 days, it doesn't fit our 30-day or 3-month examples, and it isn't ranked. We're not a Cash-Express partner, so there's no link.

Home Credit (HC Consumer Finance Philippines, Inc., SEC Reg. No. CS201301354, CA No. 1071). Its website blocked our automated check on 22 October 2026, so we couldn't read its published cash loan rates. Not ranked. Check homecredit.ph yourself.

Loan-matching sites. Finmerkado (FinMerkado Inc., SEC Reg. No. 2024120180322-17) isn't a lender. It says rates and APRs "are set by our partners", so there's no single price to rank. If you use it, check the SEC details of the partner lender before you sign.

Bakit "0% interest" ay hindi laging 0%

"Zero interest" offers are real, but read the small print:

It usually covers a few days. Digido's and Cash-Express's 0% is for the first 7 days. After that, the normal rate kicks in.
Fees can still apply. Cash-Express still charges its ₱1,000 issuance fee on a new loan.
It's often for first-time borrowers only. The second loan is priced differently.

A 0% promo can be the cheapest loan you'll ever take, if you pay it back inside the promo window. If you can't, it's just a normal loan with a nice headline.

How to compare any loan app offer in 3 numbers

Our table only covers the lenders in our data. For any other app, ask for the disclosure statement and write down three numbers:

Net proceeds: how much actually lands in your GCash, Maya or bank account. If ₱10,000 is approved but ₱9,500 arrives, that ₱500 is a fee.
Total repayable: every hulog added together.
Term: days or months until fully paid.

Total repayable minus net proceeds is your real cost. For two offers with the same amount and term, the lower total wins. It's that simple. If the loan is ₱10,000 or less and 4 months or shorter, also compare it to the ceilings above. Our interest rates, EIR and fees guide shows how add-on and diminishing-balance interest change the total, with peso examples.

Worked example (our own numbers, not a lender's offer): an app approves ₱5,000 for 30 days, deducts a ₱200 processing fee, and asks for ₱5,250 at the end. You receive ₱4,800 and pay back ₱5,250, so the real cost is ₱450. That's about 9.4% of what you received, for one month. It's under the 12% ceiling. If the same app asked for ₱5,500 instead, the real cost would be ₱700 on ₱4,800 received, about 14.6% for the month, which is over the ceiling for a covered loan.

Before you pick an app: cheaper options

Even the lowest-priced app on this page costs far more than government loans. Check these first:

SSS Salary Loan or LoanLite. If you're an SSS member with enough posted contributions, the interest is a small fraction of any app's. Our SSS LoanLite guide explains the micro loan option.
SSS Emergency Loan. Open nationwide while the national calamity or emergency declaration is in effect. See the SSS Emergency Loan guide.
Pag-IBIG Multi-Purpose or Calamity Loan. Based on your own Pag-IBIG savings. If your area is declared under a state of calamity, the Pag-IBIG Calamity Loan runs at 5.95% a year.
Your employer. A salary loan or cash advance through payroll is often interest-free or close to it.

Need money within the day and none of those work? Our emergency loans guide puts the options in order. Kung OFW ka, read the OFW loan guide first.

Legit muna bago mura

A low price means nothing if the app isn't legit. Every lender on this page is on the SEC List of Recorded Online Lending Platforms or holds a Certificate of Authority, which we cross-checked in our list of legit loan apps in the Philippines. For any other app, check three things before you install it: the corporate name, the SEC Registration No. and the CA No. Then look for them on sec.gov.ph. Our step-by-step on how to check if an online lender is SEC-registered takes about two minutes.

Walk away from any app that asks for a fee before release, offers loans through Telegram or Messenger, or wants access to your contacts and gallery.

Where these facts come from

We checked these sources on 22 October 2026:

SEC Memorandum Circular No. 14, series of 2025, Recalibrated Ceilings on Interest Rates and Other Fees Charged by Financing Companies and Lending Companies, effective 1 April 2026, as listed on sec.gov.ph (opens in new tab) and reported by the Philippine Star (opens in new tab) and BusinessWorld (opens in new tab) on 12 December 2025
BSP Circular No. 1133, series of 2021 (opens in new tab), the original ceilings, and SEC Memorandum Circular No. 3, series of 2022, which implemented them from 3 March 2022 (PNA report (opens in new tab))
The SEC List of Recorded Online Lending Platforms (opens in new tab), as of 12 October 2026
The lenders' own websites: the moneycat.ph homepage, the finbro.ph homepage and FAQ, the digido.ph homepage and FAQ, the cash-express.ph homepage and loan details, and the finmerkado.ph personal loans page

Prices change, sometimes weekly. If a lender's own disclosure statement shows something different from this page, the disclosure statement wins.

Regulatory disclosure

PersonalLoans.ph is an independent comparison and referral website. We are not a lending company, financing company or bank, and we don't make credit decisions. We may receive a commission when you apply through our links. It doesn't change the order in the ranking, which is set only by the total repayable. See our affiliate disclosure and editorial policy.

Related guides

FAQ: low-interest loan apps

What is the loan app with the lowest interest in the Philippines?: Of the SEC-registered lenders we checked on 22 October 2026, MoneyCat is the only one that publishes a rate you can turn into a total for a ₱10,000, 3-month loan: about ₱12,469 on its published 11.9% a month. Others either don't publish rates or don't offer that term. Your own rate depends on your profile, so compare the total in each disclosure statement.
Ano ang pinakamababang tubo na puwedeng singilin ng loan app?: Walang minimum, pero may maximum. Para sa loan na ₱10,000 pababa at hanggang 4 na buwan, hanggang 6% kada buwan lang ang nominal interest at hanggang 12% kada buwan ang kabuuang interes at fees mula 1 April 2026, ayon sa SEC Memorandum Circular No. 14, series of 2025.
Is 0.5% a day still the legal limit for loan apps?: Not for new covered loans. 0.5% a day (15% a month) was the all-in ceiling under BSP Circular 1133. For loans of ₱10,000 or less and up to 4 months made, restructured or renewed from 1 April 2026, SEC MC 14 lowered it to 12% a month, about 0.4% a day.
How much is the late payment penalty limit?: For covered loans, late payment or non-payment penalties are capped at 5% a month on the overdue amount. And all interest, fees and penalties together can't go above 100% of what you borrowed.
Magkano ang babayaran ko sa ₱5,000 na loan sa loob ng 30 araw?: Depende sa app, pero ayon sa batas, hindi ito puwedeng lumampas sa ₱5,600 kung on time ka magbabayad, dahil 12% kada buwan ang ceiling ng kabuuang interes at fees. Tingnan ang disclosure statement para sa eksaktong total bago mag-accept.
Why isn't Finbro ranked?: Finbro doesn't publish its interest rate or processing fee on its website. Its FAQ says you'll see them during the application, before you confirm. We only rank lenders on prices they publish, so it's listed but unranked.
Are bank or SSS loans cheaper than loan apps?: Usually, yes, by a lot. SSS and Pag-IBIG loans charge a few percent a year, not a month. Bank personal loans take longer to approve but often cost less for amounts above ₱10,000. Apps are fast, and you pay for that speed.