Updated: May 20, 2022

3 month loans

Need a loan for 3 months? Find your short-term, no-credit check loans that can help you cover your expenses until your next payday. Apply now and get approved today!

Amount

Term (days)

moneycat-logo.svg

MoneyCat Loans

CS201953073

0.4%

Percent, per day

1000 - 25000 PHP

Amount

90 - 180 day

Term

Show more

Features

APR:

from 145 up to 365%

Review time:

1 day

Early Settlement:

no

Guarantor:

no

Client

Age:

20 - 60 years old

Citizenship:

Required

Employment:

Required

Proof Income:

Not required

Disbursement & Repayment

Disbursement time:

1 day

Disbursement methods:

Bank Account;

Repayment methods:

Dragon Pay; GCash; Online Payment;

Pros & Cons

Pros:

You can easily get a loan, in a few steps

You only need to spend 5 minutes to register

You don't have to go to the bank and stand in line. The entire process of obtaining a loan takes place online through a phone, tablet or computer

Cons:

High interest rate

Details

MoneyCat is a financial company that will help you quickly and easily get a loan within 24 hours online. You need to fill out the registration form on the site and go through a quick verification, after which the money will be transferred to your bank account

logo-digido.svg

Digido loans

CS202003056

0.1 - 0.4%

Percent, per day

1000 - 10000 PHP

Amount

10 - 180 day

Term

Show more

Features

APR:

from 143%

Review time:

1 day

Early Settlement:

no

Guarantor:

no

Client

Age:

21 - 70 years old

Citizenship:

Required

Employment:

Required

Proof Income:

Required

Disbursement & Repayment

Disbursement time:

1 day

Disbursement methods:

Bank Account;

Repayment methods:

GCash; Dragon Pay; Online Payment;

Pros & Cons

Pros:

Fast processing of the application within 24 hours

There are no additional payments. Only payments under your loan agreement

Cons:

If you do not pay on time, the credit company may charge you an additional penalty

Details

Digido is an online lending company that has a state license and permissions to provide lending services. You can apply for a loan simply and quickly through the company's website, remembering the registration form. The answer to your application will come within 24 hours and within 24 hours after approval you can receive money to your bank account

kviku-logo.svg

Kviku Personal Loans

0.16%

Percent, per day

1000 - 25000 PHP

Amount

60 - 180 day

Term

Show more

Features

Early Settlement:

no

Guarantor:

no

unacash-logo.svg

UnaCash Personal Loans

0.3%

Percent, per day

2000 - 30000 PHP

Amount

61 - 180 day

Term

Show more

Features

Early Settlement:

no

Guarantor:

no

An Easy Guide for Getting A 3-Month Loan In The Philippines

The process of acquiring a loan in the Philippines can get rather bulky and seem bothersome. Although it’s more accessible now than it was over a decade ago, many individuals are still not familiar with how to go about it.

There are many types of loans available to individuals, one of which is the 3 months loan. If you need to get a loan with a repayment period of up to 3-months, then there are some things you should know.

This information provides a detailed guide on everything you need to know about getting a 3 months loan in the Philippines. Also, we’ve provided you with easy steps to access the loan even if you’ve got a low credit score.

How To Apply For 3 Month Loan Online

To apply for a loan for 3 months online in the Philippines, follow the steps below:

1. Fulfill the Loan Requirements

Some things need to be put in order when you want to request an online loan. Once you fulfill the requirements, you can get the loan without fuss. These most important conditions include:

  • You must be a citizen or reside in the Philippines.
  • Be an adult between the ages of 21-70.
  • Possess valid bio-data documents for verification of identity.
  • Be able to fill out the loan form.

2. Find a Good Lending Company

While there are several lending companies online, you need to choose an outlet that will provide you with the best services and fair interest rates. So, while checking for them online, ensure to analyze their interest rates, repayment structures, and customer reviews before applying for a loan. When you’re done with this, move over to the next step.

3. Apply

After finding the right company, you need to sign up and apply for a loan.

4. Validate Your Details

The lending company will send a link to your mail or phone to confirm your account has been created. Click on the link, and it will redirect you to the platform’s website.

5. Provide Additional Information

You’d be required to fill in your bio-data and provide some KYC documents on the platform’s website. These will help the loan company to access all your necessary data. At this stage, the lender may require your proof of residence, employment letter, utility bill, proof of employment, personal identification, etc.

6. Understand the Terms and Conditions of the Loan

Every loan company has its unique terms and conditions of contract, and you’ll receive the T&Cs to understand. You must go through the document properly before signing to prevent future challenges. After reading through, and you are comfortable with the terms of service, you can sign on the dotted lines.

7. Wait for Your Loan

Do a final review of the loan application; you’d see the loan tenure, the interest rates, the amount you are to receive, etc. Then, confirm the application and wait. Usually, you can get the loans instantly, and it may take a few minutes, some hours, or some days. 

3 Month Loans for Low Credit Scores

You might wonder if people with low credit scores can access the 3-month loan. The answer is yes. People with bad credit can also access this type of loan. However, some lenders might request collateral before you can access the loan.

Pros And Cons of 3 Month Loans

Each credit facility has its pros and cons. Here are the ones associated with 3 month loans.

Pros

  • Easy application
  • Super-easy to manage
  • Versatility
  • Requires no collateral.

Cons

  • The interest rates could be a bit high.
  • The credit limit might not be high enough.

Conclusion

Before you can access a 3 month loan in the Philippines, you need to possess some documents that prove you are a citizen or a resident of the country. You can then apply for a loan from any of the lending companies, follow their instructions, and get an instant loan.

Notably, it doesn’t take much time to process the loan before you get it. Also, some companies require your credit score to be reputable, while some other companies offer loans with no credit check.

FAQs

1. When Will I Receive My Loan?

After successfully applying for a 3 months loan, the loan is usually processed within 1 day. It usually doesn’t take longer than that, even in cases when users apply during the weekends.

2. Can I Get a 3 Month Loan with No Credit Check?

Yes, Filipinos can access a 3-month loan with no credit check, but this also depends on the lending company.

3. How Much Loan Can I Get?

The amount of money you can access from a loan company depends on some factors. These factors include your annual income level and your credit score, among other things.

Fintree Philippines

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Disclaimer: Fintree Philippines is a loan comparison site that helps users find the best options for their needs. We are not a financial company and we do not provide loans ourselves. We work with a number of trusted partners to offer users a range of loan options to choose from. We don't charge the user for choosing a loan, but we do get a commission from our partners. Please read the terms and conditions of the lending organization carefully before you accept it and make sure you will be able to pay it back on time.