Binixo.ph
Phone Loan Philippines

Phone Loan Philippines

Quick money wherever you are. Loans with the smartphone only.

Wherever you are, in the forest or at the seaside, in the subway or in the city park, you are able to make payday loans by phone. The one thing that is needed is access to the Internet. It means that after ten or fifteen minutes by simply using your smartphone you can get the necessary sum of money wherever you will be. Visit the website of the company, find the application form there, fill it and accept all conditions of the offered contract and your money will be waiting for you after a call from the bank or company. Simple as never.

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.

Apply for a loan

Our Testimonials

“Thank you Binixo! I applied and send all requirements and then someone called me named TJ advised me about the process and etc. Now I just received an email informing me that Binixo Lending has already deposited the money in my bank account and when I checked it at exactly 6pm like what they have advised me in the email my loan proceeds was there. Appreciate it!”

Yvette Labo

“They process loans really fast. They really orient you about the loan and how it goes. Thumbs up Binixo”

Ta Nace

“First time to loan via online, at first hesitant but after I received the money that has been credited to my bank account. I sent the requirements on April 25 afternoon then received the money on the following day. (24 hours service) 🙂 Thank you Binixo!”

Manilyn Camus

Get Loan

Also you can get loans
in other cities

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%.

Example:

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.