I need 2000 PHP
2000 20000
For 3 Months
3 36

Fast Loan Approval

The most frequently asked question about loans is how to get a loan fast approval. There are several key parameters that will help you to get the approval maximally fast. First of all, you should decide the main purpose you need the money for. Think through the needed loan amount and calculate the desired term of its repayment. Note that there are secured and unsecured types of loans.

Types of fast loan approval

The correct choice of the loan type is the first step to the fast loan approval. There are three main types of personal loans in the Philippines:

  • Secured loans. The main condition of the secured loans is the collateral. The presence of collateral makes the application process simpler. You don’t have to collect a pile of docs. The interest rate is lower and the general process of the loan taking is faster. It’s a good choice for people with the low credit history or without it at all.
  • Unsecured loans. Unlike the previous case, these loans don’t require collateral. The result- higher interest rate, screening process, and the requirement of the good credit history.
  • Loans for OFWs. Loans available to overseas Filipino workers. These loans are also divided into secured and unsecured types.

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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credit history

Why is credit history important?

Speaking shortly – a good credit history is a key to success. The majority of modern lenders rely on the information about your previous credits. It helps them to evaluate your solvency and reliability. In case of having a good credit history, you will get the fastest loan approval. Moreover, you will be asked much fewer questions and required fewer documents. All borrowers are searching for the reliable lending companies and banks. Same is for companies. They want to make sure that the borrower is eligible to take the loan and pay it timely. If you have a good credit history, Binixo is ready to give you a weekend loans online.

bad credit history

What if I have a bad credit history?

Even if you have a bad credit history – don’t despair! In such case, you still can take a loan now. Most probably, the process of its taking will be more difficult but you can do it. Many banks and companies, in this case, require additional documents and checks. In addition to this, you may not get fast approval loan in the Philippines. To simplify the process, you can choose the company that doesn’t check the credit history. Otherwise, you can submit all the requirements early and increase chances to get fast approval loan.

right reason

Choose the right reason

Two main rules to remember to get fast loan approval online are:

  • Never apply for several loans at the same time;
  • Choose the right reason for borrowing money.

If the first rule seems obvious, let’s consider the second one. When applying for the loan it’s desirable to provide a lender with really “worthy” reasons why you need this money. A lot of borrowers lend money for “super-necessary” things such as new smartphone but can’t pay their bills.

Philippine lenders

Philippine lenders

With so wide range of online lending platforms and banks, it’s quite difficult to make a choice. To avoid frauds and unmentioned payments, check all the conditions of the contract. Some companies offer quickens loan approval in the Philippines but don’t mention the additional payments. In order not be surprised, check all the pros and cons of the company. Read the reviews and only then make a final decision.

Binixo services

Binixo. TOP services and offers

Binixo is the leading Philippine lending platform. We offer fast loan approval in the Philippines. All stages of our work are fully transparent. All fees and payments are mentioned in the contract. We provide our clients with the first-class lending services. If you are aimed at getting the loan fast approval in the Philippines, we are here to help you. Beneficial offers and reliable collaboration is that we offer to each our client. We have types of loans for everyone from personal loans to loans for pensioners.

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.