Explore a selection of 7 lenders and select the best one
Cashexpress.ph logo
0% for first loan
First 0% up to 10 000 ₱
Sum max 20 000 ₱
Age 21 - 70
Receiving time 15 min.
Honeyloan.ph logo
0% for new customers
First 0% up to 10 000 ₱
Sum max 30 000 ₱
Age 21 - 70
Receiving time 7 min.
Soscredit.ph logo
Fast and Easy
First 0% up to 10 000 ₱
Sum max 25 000 ₱
Age 20 - 70
Receiving time 15 min.
Moneycat.ph logo
The first loan for free
First 0% up to 20 000 ₱
Sum max 20 000 ₱
Age 22 - 75
Receiving time 30 min.
Finbro.ph logo
0% for your 1st Loan
First 0% up to 15 000 ₱
Sum max 50 000 ₱
Age 20 - 70
Receiving time 10 min.
Credify.ph logo
Advantageous conditions
First 0% up to 10 000 ₱
Sum max 25 000 ₱
Age 20 - 70
Receiving time 1 day
Crezu.ph logo
Without fees 0%
First 0% up to 25 000 ₱
Sum max 25 000 ₱
Age 18 - 70
Receiving time 15 min.

Comprehensive information about the lenders

Cashexpress.ph - CASH-EXPRESS PHILIPPINES FINANCING INC.

Address: Level 10-1 One Global Place 25th Street Cor. 5th Avenue, Fort Bonifacio, Taguig City

Phone number: 6327 902 7390

E-mail: [email protected]

Max APR: 72.635%

Term: 62 days - 3 months

Cost example: Loan of 1000 ₱ for 3 months, monthly payment 905.63 ₱, total amount 2716.9 ₱, annual percentage rate APR 72.635%.

Honeyloan.ph - WARM CASH LENDING CORP.

Address: 20th Floor The W Fifth Avenue Building, 5th Street Bonifacio Global City, Brgy. Fort Bonifacio, Taguig City 1634

Phone number: 028 876 1972

E-mail: [email protected]

Max APR: 182%

Term: 62 days - 1 year

Cost example: Loan of 1000 ₱ for 12 months, monthly payment 95.83 ₱, total amount 1150 ₱, annual percentage rate APR 180%.

Soscredit.ph - SOSCREDIT

Address: Philippines

Phone number: -

E-mail: [email protected]

Max APR: 180%

Term: 3 months - 1 year

Cost example: Loan of 2400 ₱ for 3 months, monthly payment 870 ₱, total amount 2610 ₱, annual percentage rate APR 145%.

Moneycat.ph - MONEYCAT FINANCING INC.

Address: Unit 1708 Tektite East Tower, Exchange Road, Ortigas Center, Pasig City 1605

Phone number: 0917 152 7089, 0917 152 6738

E-mail: [email protected]

Max APR: 145%

Term: 3 months - 6 months

Cost example: Loan of 2400 ₱ for 3 months, monthly payment 870 ₱, total amount 2610 ₱, annual percentage rate APR 145%.

Finbro.ph - SOFI LENDING INC.

Address: Unit 1405, East Tower, Philippine Stock Exchange Center, Exchange Road Ortigas, Pasig City

Phone number: 0962 409 2454

E-mail: [email protected]

Max APR: 180%

Term: 62 days - 1 year

Cost example: Loan of 1000 ₱ for 12 months, monthly payment 95.83 ₱, total amount 1150 ₱, annual percentage rate APR 180%.

Credify.ph - "CREDIFY"

Address: Philippines

Phone number: -

E-mail: [email protected]

Max APR: 180%

Term: 3 months - 1 year

Loan of 1000 ₱ for 12 months, monthly payment 95.83 ₱, total amount 1150 ₱, annual percentage rate APR 180%.

Crezu.ph - FININITY LTD

Address: Paadi tee 3, Haabneeme, 74001 Harju maakond, EE

Phone number: -

E-mail: [email protected]

Max APR: 36%

Term: 62 days - 4 months

Cost example: Loan of 10000 ₱ for 3 months, monthly payment 3000 ₱, total amount 15000 ₱, annual percentage rate APR 36%.

Your Guide to Zero-Interest Loans in the Philippines

Zero-interest loans provide a great opportunity for borrowers to access funds without the added cost of interest. Often offered as promotional deals or by lenders looking to support responsible borrowing, these loans allow individuals to meet their needs while avoiding financial strain.

What Makes Zero-Interest Loans Unique? With zero-interest loans, you only pay back the amount you borrow-no extra charges for interest. This makes them a great option for first-time borrowers or those in need of short-term financial assistance. The lack of interest can make monthly payments lower and more manageable compared to traditional loans.

Why Choose Zero-Interest Loans?

  • No Interest Added: Pay back only the amount you borrow, without any extra costs.
  • Lower Monthly Payments: Since there’s no interest, your repayments are generally smaller, making it more affordable.
  • Quick Solutions: These loans are great for covering short-term expenses without worrying about high interest rates.

Key Factors to Consider

When exploring loan options, it's important to evaluate the following:

  • Loan Amount: Choose an amount that meets your needs while considering your ability to repay.
  • Loan Terms: Understand the duration of the loan to ensure the repayment schedule fits your budget.
  • Repayment Period: Zero-interest loans typically come with repayment terms that range from a few months to a year, giving you flexibility.

Example Loan Scenario:

For a ₱10,000 loan paid back over 3 months, the total repayment amount would be ₱10,000, with monthly installments of ₱3,333.33. Zero-interest loans like these are excellent for those who need quick funds without paying extra in interest.

Additional Associated Fees

Many or all of the products we offer are from our partners, from whom we may receive commission. This may affect the placement of offers and whether a product is included in the comparison. However, this does not affect our ratings.

In addition to obvious costs like interest and repayments, there may be hidden fees that ultimately make a loan more expensive than it initially appears. These hidden costs are not always obvious and can take many forms.

One of the most common hidden costs is a processing fee. Some lenders charge a fee for reviewing a loan application, which is added to the loan amount and interest. While this practice is criticized and sometimes restricted by law in many countries, it is important to consider this when taking out a loan.

Insurance premiums, especially for residual liability insurance, are another issue often overlooked. These insurances are designed to protect both the borrower and the lender if the borrower is unable to service the loan for reasons such as illness or unemployment. However, the cost of such insurance can be high and may significantly increase the overall loan expenses.

If a borrower wishes to repay a loan early, prepayment penalties may apply. These fees are intended to compensate lenders for lost interest income.

Additionally, a special repayment fee may be charged. While some loan agreements offer the option of special repayments without any additional fees, other lenders may impose a charge.

The overall cost of a loan may also be affected by an adjustment to the interest rate on variable-rate loans. If the base interest rate increases, the cost of the loan will also rise.

Therefore, it is crucial for borrowers to carefully review all aspects of a loan agreement, considering not only the nominal interest rate but also any additional fees and charges, to get a true understanding of the total cost of the loan.

At Loanstar.app, we help you compare a wide variety of loan options from trusted lenders across the Philippines, so you can find the best deal for your situation. Please note that Loanstar.app is not a financial institution and does not offer loans directly. Instead, we act as a comparison platform, guiding you to the right financial solutions.

Explore your zero-interest borrowing options today, and make an informed decision with Loanstar.app!