We are not a lender
Browse estimated offers from ₱1,000 to ₱30,000 with terms of 6 to 24 months. Free to browse, no credit check, and we are not a lender.
Maximum APR 20% per annum, including interest and all charges.
Review estimated amounts, terms, and repayment before you apply with a participating lender.
Set a peso amount and term, then review estimated options. A provider may ask for a valid ID if you continue with them.
Comparing on appname is free. No credit check to look at estimated cash loan offers. A lender may run its own checks if you apply. We never ask you to pay a fee before you see an offer.
appname does not issue loans or decide payout. Approval and disbursement are up to the provider you apply with.
Three steps to compare estimated cash loan options.
Tell appname how much you want to borrow and for how long.
Review estimated rates, fees, and repayment from participating lenders.
Continue on the lender’s site or app. appname does not issue the loan or send the payout. You leave appname and continue on the provider's own site or app, under their terms.
appname is operated by HOA LOAN SERVICES BK LLC, 6827 Pershing Ave, Saint Louis, MO, US 63130.
We built appname because comparing cash loans in the Philippines is harder than it should be. Rates are quoted in different ways, fees appear late in the process, and it is not always obvious which providers are actually licensed. appname puts estimated options side by side so you can see the full cost before you apply.
We are not a bank, a financing company, or a lending company. We do not issue loans, approve applications, set interest rates, release funds, or collect repayments. If you take a loan, the contract is between you and the provider.
Contact: [email protected] · zephfinance.com
Using appname is free. There is no subscription, no paid tier, and no fee to compare.
Participating providers may pay HOA LOAN SERVICES BK LLC when you tap through to their site or take a product. That can affect the order in which options appear, so we tell you here rather than burying it in the terms.
What this does not change:
We list estimated offers from different kinds of licensed providers in the Philippines. Always confirm a provider is SEC-registered before you apply.
Personal loan products from banks supervised by the Bangko Sentral ng Pilipinas. Usually larger amounts, longer terms, and stricter income requirements.
Lending and financing companies holding a Certificate of Authority from the Securities and Exchange Commission. Smaller amounts and faster processing than banks.
Credit products offered inside licensed e-wallet platforms. Convenient if you already use the wallet, with limits that depend on your usage history.
appname is not affiliated with, endorsed by, or acting on behalf of any provider. Listing is not a recommendation.
A few checks that help you stay safe with online lending in the Philippines.
Confirm the provider is registered with the Securities and Exchange Commission (SEC) or another competent regulator, and that the Certificate of Authority number matches.
Do not send a valid ID, selfie, OTP, or bank details through unofficial websites, Facebook Messenger, or chat apps. appname does not ask you to email documents to compare.
A lender may approve an amount and still delay or reduce payout. Read the final contract, repayment schedule, and all fees before you accept.
Do not send an “insurance,” processing, or reservation fee to receive a loan. Borrowing costs money — only take a cash loan you can repay.
Ask whether the rate is add-on or diminishing. An add-on rate charges interest on the full original amount for the whole term, so a 10% add-on rate works out to roughly 19% APR. Ask for the effective interest rate in writing — the Truth in Lending Act requires it.
Short version: very little leaves your phone.
What we do not do:
What we do collect: the figures you enter to get an estimate, basic device and usage data so the app works, and anything you send us by email.
If you continue with a provider, you leave appname and that provider collects whatever its own application requires, under its own privacy notice.
Full details: Privacy Policy
Useful information before you compare cash loans or apply with a lender.
We are not a lender
We connect you with participating providers that may present available loan options.
Yes. You can browse and compare estimated cash loan offers without paying appname. A provider may have its own fees if you apply with them.
No. You can browse offers without a credit check on appname. A participating lender may run its own checks if you apply with them.
Requirements vary. Lenders usually ask that you are at least 18, a resident of the Philippines, and can show a valid government ID (such as a driver’s license, UMID, or passport). Many also ask for an active bank account or e-wallet such as GCash or Maya.
Payout is decided by the provider, not by appname. Listed options show processing from 15 minutes. Some lenders disburse the same day after approval; others take longer. Approved is not the same as disbursed.
Options listed in appname range from ₱1,000 to ₱30,000, with repayment from 6 to 24 months. Maximum APR is 20% per annum, including interest and all charges. We do not list options that require repayment in full in 60 days or less. Final terms are set by the provider.
No. A lender may approve an amount and still delay, reduce, or cancel payout. Read the provider’s final contract and fees before you accept.
appname is a comparison service. We do not lend, so we do not hold a lending licence or a Certificate of Authority, and we are not required to. The providers you see must hold one — we tell you how to check it. HOA LOAN SERVICES BK LLC is the operator of this service; our details are in the footer.
Browsing is free for you. Participating providers may pay HOA LOAN SERVICES BK LLC when you tap through to their site or take a product, and that can affect the order in which options appear. We say so here and in our Terms of Use rather than in a hidden note. We never charge you a fee and we never sell your personal data.
No. appname does not access your contacts, call logs, SMS, or photo gallery, and we do not collect repayments, so there is nothing to chase. If an app asks for access to your contacts in order to lend you money, treat that as a warning sign and report it to the SEC.
An add-on rate charges interest on the full original amount for the whole term, even though your balance goes down as you pay. A diminishing-balance rate charges interest only on what you still owe. A 10% add-on rate over 12 months works out to roughly 19% APR. Our estimates use diminishing balance so you can compare like with like.
Open appname to review estimated offers from participating lenders. Free to browse. No credit check to compare.
Get the appAvailable on the App Store for iPhone.
Estimates only, using an illustrative 20% per annum. Actual terms depend on the provider. Maximum listed APR is 20%, including all charges.