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.

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.