I need 2000 PHP
2000 20000
For 3 Months
3 36

Short Term Loan

Nobody will deny that short-term loans are becoming more and more popular every day. Why? Take a look:

  1. You get the money when you need it. You don’t wait for a salary and don’t accumulate the necessary amount for years.
  2. The burden on your budget is stretched on time. It is much easier to give a few months a small amount, rather than spend a great sum in a moment.
  3. Credit history. It is important for credit institutions to be confident that the borrower will repay the debt on time. Therefore, a small but successfully paid loan will be your advantage.
  4. Psychological independence from other people. There is no need to beg your friends for money. In addition, no one will demand repayment of the full loan amount before the loan expires.

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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Short term financing

Short term financing what is it?

The main feature of short term loans is the period of its repayment. In the majority of cases, these loans should be repaid in a certain prescribed period. This term is usually equal to a year or less. It is convenient because you don’t have to repay it for years. Most often people take these loans before the payday. Thus, they can make a large purchase or celebrate a wedding or a birthday when they want.

loan amount

How much is the loan amount?

The amount of the short term loan in the Philippines is comparably low. However, these loans haven’t been created to cover serious financial needs. As we mentioned, it’s just a money before your payday. Speaking more concrete, you can take around few hundred to cover your urgent financial needs. In case, if you have a good credit history, you can take a higher amount. These details differ from one bank or company to another. So, if you need to take maximum loan amount, check the requirements for it

How can I take the loan

How can I take the loan?

The process of taking the short-term loan will not surprise you. As with any other loan, you firstly should fill the short term loan application form. After that wait until your application is verified. In the end, if everything goes well, you get the needed money amount. Also, you shouldn’t worry about skipping the payment date. You will get an email with the warning about the exact repayment date. In case if you for some reasons can’t make a timely repayment, you should immediately inform your lender. The earlier you can do this, the better.

terms of the loan

What are the terms of the loan?

As the name implies, the term of these loans is short. This parameter may vary from one company to another as well as the loan amount. Usually, this term is equal from three to twelve months. However, some companies offer such loans for two months only. Payday loans have a shorter repayment term. Usually, it reaches two or three weeks.

Pros and cons of the loan

Pros and cons of the loan

Among the main pros of the loan are:

  • usually, you get money on the day of sending short term loan form;
  • you pay the loan in instalments, so the loan conditions are flexible;
  • you get and pay back the money quickly.

There are some cons of this type of loans also:

  • the interest rates can be higher comparably with other loans;
  • you may be charged the additional fees.
Short-term loans

Short-term loans by Binixo

Binixo company occupies one of the leading places among all other Philippine credit companies. We offer all types of loans including short term loans, payday loans, and quick cash loans. If you are searching for the reliable source of short term funds – welcome. We will ask all your questions and clarify all the moments of taking a loan at our company. If you are aimed at taking a short term loan – fill the form online and get your money in the same day. We offer beneficial conditions and low-interest rates. Entrust us and we will help you in any situation.

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.