I need 2000 PHP
2000 20000
For 3 Months
3 36

Best Loan

There are dozens of situations in our life when we need money. A loan can help in this situation, but only the best loan, which does not create additional problems. When we don’t have the necessary money amount we can act in three ways:

  • We persuade ourselves that we don’t need this purchase or trip;
  • We cry and do nothing;
  • We think where to get the money.

It’s obvious that the third way is the most adequate. The simplest, the fastest, and the safest way is to take a loan. But how to choose the best loan agency with fast loan approval? Let’s consider the main aspects to note when choosing.

How to get a loan?


Indicate the amount and term


Fill out an online application


Choose the best offer


Get confirmation and money

Why us?

24/7 lending
No checking documents or income at any time of the day.
Convenient and easy
Choose the best offer and the way to receive money. Binixo will save you time looking for lenders on your own.
No commission
Binixo does not charge any fees. The selection of personal offers is free. We deal with trusted companies only.

Our Testimonials

Also you can get loans
in other cities

How not to be tricked

How not to be tricked?

Perhaps the most difficult thing nowadays is to choose the best loans company. All the financial institutions vying to advertise “the lowest interest rates,” “loans without collateral,” “credit for an hour,” “salary loan,” and other tempting offers. However, in fact, such promises are nothing more than a trick to lure the confiding client. Here are the main factors to note when choosing a company:

  • Find out what is the real interest rate.
  • Ask all about “cunning” commissions.
  • Find out if you can repay the loan freely.
  • Look for a reasonable alternative.

Let’s consider each of these factors in details.

interest rate

Find out what is the real interest rate

Tempting promises of companies to offer the best loan in the Philippines almost for free – no more than an advertising move. You are promised 0.0001% per year and then it turns out that the real interest earned on the client is more than 80%. Therefore, start a conversation with a company employee with a request to provide a full calculation of overpayments for loans in the amount that you plan to receive. If an employee finds a lot of reasons not to give you a specific amount of overpayments, it will be too risky to cooperate with this corporation.

cunning commissions

Ask all about “cunning” commissions

Offering best loans in the Philippines, banks and some companies usually take in addition to interest a one-time commission (up to 25% of the loan amount) and a monthly loan fee (1.15 – 3%). The trick is that often monthly payments are charged on the whole loan amount. There are also such banks that do demand to pay a commission at the end of the contract term. And, of course, without warning about it in advance. Therefore, require the company to clearly indicate all commissions. Preferably in the form of a document with a seal.


Find out if you can repay the loan freely

When choosing the bestloan lending company there is one more important moment. A number of companies demand a commission for the loan payment through their own cash desks. While using free methods – ATMs, mail, you risk getting fines. The payment is credited to the account not on the day of making, but for one or even three days. So, if:

  • the company does not have a free loan repayment service;
  • the branches are difficult to find on the city map.

it is better to choose another one.

reasonable alternative

Look for a reasonable alternative

As a rule, you can always find an alternative to fast and easy loans among many other companies or banks. Even if you think that the company offers best loan requirements check other options. Always read the reviews from other clients about the company. Check its rating in the list of companies with the best online loans in the Philippines. Your decision should be carefully thought-out. In such case, you will regret neither about the loan nor about the company choice. Learn all the pros and cons of the company. For example, Binixo is ready to offer its customers such a service as a phone loan, thanks to which you will receive money within 15 minutes without any problems and headaches.


Why Binixo?

Binixo is the rapidly developing company with the good rating. We offer low-interest rates and all our conditions are fully transparent. Our company provides you with the easy application process and fast loan’s approval. If you still don’t know where to take the best online loan in the Philippines, consider Binixo. We exist to simplify your life and give the helping hand. Hundreds of positive reviews from our clients are the best proof of our reputation.

General requirements for borrower:

Between 21 and 50 years old

A Filipino citizen with a valid home address in Philippines

Loan interest:

The conditions may vary depending on a lending company and active promotions. Short term loans usually have payment period up to 12 months in one payment of installments. The interest rate can be as low as 0%. Here is an example of one of the offers listed on binixo.ph:

Loan amount - Up to 25,000 PHP Personal Loan

Loan interest rate - (as low as) 1.5% a month

Loan Term - 3 months, 6 months, 9 months and up to 12 months

Processing Fee - 6% of loan amount

Notarial Fee – fixed Php 200 per loan account

For example, consider a 10,000 PHP loan which must be repaid after three month, plus 1.5% per months, plus a 6% processing fee. If the 600 PHP (6%) fee is considered, the monthly interest increases by 6% (600PHP/10,000), and the effective APR becomes approximately 138%. In other words, borrowing through this offer 10,000 PHP for 3 months you'll need to pay back 11,050 PHP.

CONSUMER ADVISORY: Binixo is a loan matching service. Upon application approval, a direct lender will require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email. We only work with direct lenders approved and certified by the financial regulator.

ASSOCIATED FEES: Loan terms, conditions and policies vary by lender and applicant qualifications. Not all applicants will be approved for their requested loan amounts or advertised interest rates. Loan repayment periods vary by lender and applicant qualifications also.

WARNING: Late or missed loan payments may be subject to increased fees and interest rates and can cause you serious money problems. Lenders may use collection services for non-payment of loans.

GENERAL REQUIREMENTS: Loans available to over - 21s only, subject to status. Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service to the public.

REPRESENTATIVE EXAMPLE: You apply for PHP 20,000 and choose comfortable repayment over 6 month, your monthly payment will be only PHP 5,000 per month, so your total cost of the loan will be PHP 1,667 per month (APR = 143%). Refer to Terms & Conditions of a Lending Operator to understand the full product details.

**All applications will be subject to credit checks and affordability assessments in line with responsible lending.

***Once approved, your cash could be in your account in minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

****There are different companies on the market and some websites are operated by bad actors. Beware of scams! Binixo services are FREE. Never our employees or anyone associated with Binixo will require you to pay any fees.