I need 2000 PHP
2000 20000
For 3 Months
3 36

Loan Without Collateral

Having a bad credit history is normal for Filipinos. And this is not caused by the people’s dishonesty but by the general financial situation in the country. In many cases, Filipinos simply can’t take the new loan because they have had some problems with the previous ones. Unfortunately, we can do nothing with the mess of the financial situation in the Philippines. The one thing that can simplify the life of the citizens is beneficial loans. When we say beneficial we mean Philippine loans without collateral. As many people can’t put up their assets as collateral, this is a great way out for them.

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 the loans

Pros and cons of the loans

The pros of no collateral loans no credit checks in the Philippines are obvious. You don’t have to present any property for its evaluation. Also, you can get the loan without any credit checks. This means that even in case of bad credit history you still can get the needed money. Speaking about the cons, we should mention the security of the process. And, of course, higher interest rates. These two disadvantages are connected. As you don’t have any property (assets) to be evaluated, you can’t prove your creditworthiness. The result- high interest rates. As a rule, the longer is the loan’s term, the higher are the rates.

How much can I borrow?

How much can I borrow?

Let’s speak about the money amount when taking a loan that requires no collateral. As for almost all other types of loans, this amount varies. It depends on the company or the bank you chose. On average, you can borrow from PHP 5000 to PHP 50 000. Also, note that money will be transferred to your bank account or credit card. It I extremely convenient because you don’t have to leave home at all. All the forms can be filled online. After your application will be verified you get the needed money. You can take it at the bank or at the ATM.

No collateral loans no credit check

No collateral loans no credit check

Almost all Filipinos will choose to take loans without collateral and credit check. If you have a bad credit history or don’t have it at all, you will be refused. And this is the proven fact. But we all need money and sometimes ASAP. If choosing the bank services, you will get the interview at home. Investigators from a bank come to your home and investigate your living conditions. Of course, the majority of people don’t want it. In case if using services of online lenders, you will avoid such interview. Or rather you will get it but by phone. It is much more convenient and will spend less of your time.

How to get approved?

How to take the loan?

Let’s consider how to take the business loan without collateral in the Philippines. When no collateral and credit check needed, all you can present is your documents. To get this credit you should collect your ID (issued by the government), pay slip (or other proofs of your monthly income), and proof of billing. Ok, with documents everything is clear. Let’s consider the main steps hoe to take the loan online. The process of taking the loan without collateral in the Philippines is similar to other loans. You go to the official website and fill the form. Then you scan your docs and upload them. After that, you’ll get an SMS or a call to confirm the application. In around a day you will be approved and can get the funds.

How to get approved

How to get approved?

When taking the loan without collateral in the Philippines you will be approved in a one day. What is the guarantee of this? The main factors that influence your approval are the documents and completed application form. If you sent the valid documents and correctly filled the application online, you shouldn’t worry about your fast loan approval. In some cases, the stable source of your income may also positively influence on it. Moreover, in the case of personal loans without collateral, it accelerates the approval process.

Where to get the loan

Where to get the loan?

If you are sure about your credit history, you can use banks’ services. Otherwise, the best choice is to use the services of the online lenders. Binixo company provides clients with loans no collateral required and offers the good interest rates. If you are searching for the reliable company with good loan’s conditions, you came to the right address. Loan without collateral in the Philippines and may other loans types are available. The application process is simple and fast. Rely on us and get the needed funds without any problems.

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.