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.

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.