I need 2000 PHP
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For 3 Months
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Salary Loan Atm Collateral

Collateral loans and their advantages

Many of us can’t afford large purchases or travels because of the lacking of money. But sometimes because of it we miss so good offers from shops and travel agencies! One of the ways to use all the best offers is to get a fast loan. For people with low salary loan atm collateral is a great opportunity to afford some purchases or trips. The great advantage of collateral loans is that you can get them almost immediately. Spend some minutes of your time by filling the form online with all contact’s information and after receiving the call you can get the necessary money amount. Simple and convenient.

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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salary loan

3 reasons to take a salary loan

Do you wake up every morning with the dream of changing your life? If your answer is yes, then it’s time to start traveling, meet new people, and simply afford some large purchases. Each of us has a dream that can’t be turned into a reality because of only one reason – money. Stop limiting yourself with your salary and discover the new horizons with the salary loan. The number of reasons to take it may be endless but we tried to choose three of them. So, why you should take a salary loan?

  • The process of taking a loan is fast and simple;
  • You can get the necessary money amount for all your purposes;
  • It’s time to change your life.
salary loan a good choice

Why is the salary loan a good choice?

As any other loan, salary loan in the Philippines has its own advantages. The most important one is that you can apply for it without leaving your home. Moreover, without even leaving your sofa. All you should do is to perform three main steps. First— you fill the salary loan form online. Second – you wait until your application will be verified. Third – you get the money. Simply, fast, and without any efforts. By the way, you can also get a quick loans for the unemployed here.

All you need is your laptop or smartphone. The whole process of the salary loan in the Philippines lending will not take you more than one day. This means that in the shortest time period you can buy a ticket and wait for your flight to the place of your dreams.


What are the main requirements?

There are three main requirements to get the salary loan in the Philippines. They are the following:

  • You should be at least twenty-four years old. (However, this requirement may vary in different banks and companies);
  • You should be a Filipino citizen;
  • You should be employed on a regular basis (or be involved in a certain business).

Note that in the majority of cases the applicant is required for documents that approve your income and employment status.
The correct set of documents is half the battle. Presenting all the docs required you will get your best loan faster.

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How much can I take?

Salary loans differ from other types because you are limited in the loan amount. This limit is equal to the size (or double size) of your salary. Thereby you are able to get from PHP 15 000 (equal to one salary) to PHP 30 000 (equal to two salaries). When filling the salary loan application, you can use the loan calculator. With its help, you will sort out with the terms of loan’s payment. The applicants who have thirty-six monthly contributions can apply for the one-month salary loan. Applicants with seventy-two monthly contributions can apply for the two-month salary loan accordingly.

terms of getting the loan

What about the terms of getting the loan?

The whole process of applying the salary loan will take you less than half an hour. Half an hour without leaving your home, remember this. But what about terms of approval? In the majority of cases, your application is approved in three working days. In some cases, this term may be prolonged to four or five days depending on your situation. If all your documents are collected and the application form is filled correctly, you’ll get the loan approval faster. This is the main rule you should note.

How to get the salary loan in the Philippines fast

How to get the salary loan in the Philippines fast?

With the Binixo lending company, you will be able to get the reliable helping hand. Moreover, the terms of your application approving are minimal. Choose the application form on our website, fill it with your personal data, and sign the contract. In the minimal time period, you will be deciding whether to spend the money you’ve got. We do our best to help you turn all your dreams in reality.

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.