I need 2000 PHP
2000 20000
For 3 Months
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Easy Loans

We all live in a rapidly developing world of the newest technologies. An epoch of the Internet has changed a lot and made our life much easier. However, there are still a lot of people who prefer avoiding online technologies. Book a ticket online or buy it in a cash desk? Send an email or make a call? There are numerous examples of such choices. Same is about the easy loans. While some of prefer banks to take a loan, others rather use online lending services. It can’t be said which of these methods is more effective. However, each of them has pros and cons.

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.

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Also you can get loans
in other cities

Pros and cons of Banks

Pros and cons of Banks

To find out which of the methods of taking an easy loan is better, let’s compare them. Among the banks’ advantages are:

  • each bank complies to banking regulations;
  • each bank is regulated by the independent authorities;
  • you can take a larger loan amount at the bank.

Let’s check the disadvantages:

  • the stricter process of easy loan approval;
  • the term of verifying your application is longer;
  • more documents needed;
  • small and short-term loans are hard to get.

Note also that in a bank it’s more difficult to take an easy loan for unemployed in the Philippines.

online lenders

Pros and cons of online lenders

So we get the pros and cons of bank services. Let’s compare them with online lending platforms. Advantages of online platforms:

  • easy loan application;
  • requirements are not so strict;
  • small and short-term loans available;
  • sure approval term.

The drawbacks of online lenders are the following:

  • the maximal loan amount is lower than in a bank;
  • risk of hacking your data;
  • no regulatory authority.

It’s up to you what to choose when applying for an easyloan in the Philippines. Check all the pros and cons of each type and make your choice.

Business or personal loan

Business or personal loan?

Today you can find a wide range of offers to take the business and personal loans. These two types are completely different. How to find out which one fits better? Considering easy loans in the Philippines decide with the main purpose of the loan. If you need money to run a new business or to improve existing one – choose a business loan. For all other purposes, it is much more beneficial to take a personal loan. It may seem obvious but the correctly chosen best loan will save you from extra expenses and possible refuses.

3 rules for borrowers

3 rules for borrowers

When borrowing money, you need to follow some rules to get the approval. There are three main of them you should consider before making a choice:

  • Don’t take a business loan for your personal purposes. You will most likely be refused.
  • Always check the additional payments when taking an easy loan online;
  • In the emergency case, it’s recommended to take a personal loan.
personal loan

Pros and cons of a personal loan

If you are aimed at the personal loan, check its pros and cons prior to deciding. The advantages of this loan are:

  • Fixed interest rate;
  • You can borrow more than your credit card allows;
  • Flexible conditions;
  • You can decide about the desired term of repayment.

Disadvantages of the loan are the following:

  • Additional payments in many cases;
  • Comparably high interest rate.

In many cases, a personal loan is a great solution to a problem. Especially if this problem occurred unexpectedly. Also, some companies offer an easy loan without documents. Even if taking into account the cons, a personal loan is worth your attention in the most cases.


Binixo. Entrust professionals.

Are you searching for an easy loan online in the Philippines? Have some questions about the application process? Binixo company is ready to help you take the loan and clarify all misunderstandings. Due to the high level of online frauds, it’s extremely important to choose the reliable company nowadays. Binixo’s reputation is proven by the hundreds of clients. We offer an easy loan application in the Philippines and will provide you with all the modern lending services.

Binixo is a reliable intermediary when you need to find a company to get money from. Keep in mind, it is not responsible for the terms and conditions of one lender. So, it is up to a client to familiarize himself with the policies of one multilateral institution.

General requirements for borrower:

Person must be over 18 years of age and be a citizen of Philippines.

Loan interest:

Depending on the lender, interest rate can vary: per day from 0.8% to 2%, APR(annual percentage rate) from 10.5% to 71%.


Credit amount is 20 000 PHP for 30 days, full payout amount is 26,000 PHP.

These values ​​are approximate and may vary depending on the conditions of the lender.

Here is a list of helpful tips to know before borrowing:

  • A request to borrow money should be taken seriously and it predetermines that a person has a steady income to bring them back;
  • The applied amount should match the person’s paying capacity. So, it will be repaid with no trouble;
  • A loan cannot be considered as a permanent financial help. It is an exceptional solution to provide a person with money. If repeatedly requesting such monetary aid, there may be lots of debts;
  • It is advisable to inform the family about such an application. Otherwise, it may affect them;
  • A person has to pay not only a fixed applied amount but a commission, interest, and extra fees if available.

Binixo Philippines, in turn, will do its best to provide potential borrowers with transparent information on each lender and his requirements.

What If You Fail to Repay?

There are many events when a person cannot repay a borrowed amount due to various circumstances. But, they will not serve as a valid reason to not give money back. Thus, lenders may use penalties against the client. Also, depending again on each credit organizations, they may initiate a lawsuit or give the right to collect the debt to third parties.

To avoid such harmful consequences, always remember about the interest and commission. And, by no means ignore the due date. For instance, if you missed returning the money, a lender will calculate additional costs starting from the delay day until receiving a full amount. Unfortunately, there is a common practice in the Philippines when a person fails to repay, and then it greatly influences credit history. He may receive a denial when applying with a new company.