We all at least once in a life had situations when we need money. We may need them for unforeseen purchases, traveling, treatment, entertainment or to help other people. Regardless of the purpose, in the majority of situations we need money if not now, then at least as soon as it’s possible. The simplest way to get the necessary finances in the short time period is to use services of fast cash loans. Nowadays many banks and financial organizations offer such services, but in many of them to do this will not be easy and fast.

₱ 1 000
₱ 100 000
from 61 days
365 day
₱ 55 000
₱ 55 000
₱ 55 000

Loans Online Without Bank Account

Loan in the Philippines within 15 minutes without having a bank account

Our service allows you to quickly take an online loan to a card, a cash loan, an online loan without having a card, and also to order and receive a credit card. Online lending has gained immense popularity at the moment, due to the simplicity with which it is possible to formalize an online loan to a bank card.

The loan calculator on our website will allow you to calculate the amount of the future loan and find out the monthly payment for using the loan. Before taking a loan, we advise you to study the conditions. If you want to check the credit history, then there is a special service in order to do it.

Features and advantages of Loans Online Without a Bank Card

Additional money may be needed for any purposes. It can be a treatment, education, financial problems solving, or an important purchase as well, for which you don’t have enough money at the given time.

If you need to arrange a loan, but you do not have a bank card, on which you can transfer it, you can use other methods of registration. For example, through an electronic wallet, money transfer or in the office of a microfinance organization. If you are afraid to indicate your bank card details on the Internet, then you are absolutely right: there is a very high percentage of fraud in the network and you don’t want to risk it once again. But: how to get a remote loan without a payment instrument?
A purse in electronic payment systems is easy to arrange, and with it you can pay for purchases on the Internet or top up the balance of a mobile phone. With a money transfer you can receive the required amount in cash at one of the service points of large systems. When you make a microloan at the office, you will receive an agreement where you will be registered conditions, as well as be able to immediately clarify questions of interest with the manager
application form for loan without card
Using an electronic wallet is difficult to get cash. For their withdrawal money transfer will have to pay a commission. The transfer can go to your service center for 1-2 days, during which time interest is charged. Not all IFCs and the ICC have offices for customer service, and sometimes they are only in large cities.
A bank card is for many a real stumbling block in getting a loan or a loan. Bad credit history, lack of a stable source of income, etc. often do not allow you to get the desired amount urgently and on comfortable terms. We offer a loan to Qiwi without a bank card binding – instantly and without unnecessary red tape. It is enough to leave a request right now, and after a couple of minutes the funds will be in your account.

For correct calculations, we recommend using the exact calculation, it is quite possible that it will be presented on the company’s resource. Or write directly to the operator and select the desired conditions.

The second thing that requires attention is the loan agreement. Since in many organizations they vary considerably. The contract on a mini-loan or other conditions in one organization will be more reliable than, for example, the nearest competitor.
Third and most importantly, it will be useful to diligently inquire about the rules and agreements of the microloan issued, in order to avoid imperceptible commissions and deteriorated credit history. This news is described in the online microcredit services on a mandatory basis, when there is no such help, it is worth being on the alert.
Which lender should be sent, and which ones will be appropriate to refrain. To easily arrange a loan from any place, you need to make sure of the reality of the online resource from this organization, and in addition numbers in the local list of securities. It is also necessary to have an active call center. Kidalovo and organizations of a one-day, in most cases, do not invest money in development. And those microfinance companies that intend to work for a long time and correctly, on the contrary, debug a stable organization.

Promotional codes

Many of the credit companies presented above provide a promotional code (mostly it is nominal and contains the word “maanimo”), which allows you to get a discount on the first loan, and in some cases, on a second one. Discount on the interest rate on the loan can reach 50%. Thus,  lenders are trying not only to increase their customer base, but also to show loyalty to them.

Finally How to get Without a Bank Card?

All you have to do is pick the most advantageous offer on our website and boldly apply for a 24-hour online loan service to get an urgent loan only on your passport, in a few minutes. You can use this site to search any of them  – I would like to mention several features of fast loans to the card without refusal and via the Internet:
  • As quickly as possible. Online lending services strive to provide maximum comfort for their customers and are ready to provide quick approval within 5-15 minutes after you submit your application. In order to apply, you do not need to go anywhere and stand in a queue, online from a mobile phone, tablet or laptop you can handle in a couple of minutes.
  • Very comfortably. Loans on the card online without refusal can be taken through the Internet, and you can spend the money on the card for any purpose.
  • Minimum requirements. No need to collect documents for your verification of solvency and financial condition, only a passport and TIN. Fast loans without failures can be obtained automatically by filling in the passport data, providing a contact phone number, email and bank card, all other data you just need to make without documentary evidence.
  • Instant solution for everyone. Most of the online lending services that are at the top of our list work in automatic mode, in which there is no human factor when making a decision. The application is considered in a matter of minutes, and the borrower can get an urgent loan online to the card in Ukraine without cancellation – while around the clock.

The consequences of loan defaults

In the loan agreement, the borrower needs to carefully read the terms and conditions and pay special attention to the loan repayment period, interest rate, fees, penalties and other key conditions. In the event of non-repayment of loan funds, as well as fees for servicing the loan after the expiration of the period, the borrower bears financial and legal responsibility provided for by the loan agreement and current legislation. Violation by the borrower of the conditions specified in the loan agreement may have consequences for the bank to transfer information about the debt to the credit bureau.

What happens if I delay my loan payment?
The increase in the amount of debt due to the accrual of fines and penalties. The possibility of the Bank issuing requirements for the fulfillment by the Client of its obligations under the loan agreement, including through calls, sending letters or SMS notifications. Transmission of information on late payment of a loan to a credit bureau. Restriction of the right to travel abroad (according to the current legislation of Ukraine). Requirement for full early repayment of the loan amount, as well as accrued interest. The possibility of debt collection through mortgaged property. The possibility of assignment of the right to claim the return of the amount of the debt under the loan agreement to third parties. Debt recovery under the loan agreement.

What to do if you lose your job?

Take into account, in any case, you need to make further payments in accordance with the payment schedule, otherwise you will be charged penalties and fines in accordance with the General Terms and Conditions of the contract. If you have lost work insurance, use the insurance section Assigning unemployment status by Appeals from the State Employment Service of Ukraine. As an unemployed person, you have the right to: – receive unemployment benefits – receive information about vacancies and job offers – participate in paid public works – complete vocational training and retraining – scholarship during vocational training


The requirements that this credit system puts before its borrowers are more than feasible, which is good news for many citizens. First of all, every potential borrower, eager to get up to 100,000 pesos in debt, must be at least 18 years old. Also, the fact that a full-fledged citizen of PH who has a permanent residence permit in the country can become a client of this company remains important.
It takes no more than 15 minutes to fill out a microloan application form, since the client needs to provide only the most necessary information about himself:

  • personal information (full name, age, gender);
  • passport details;
  • current place of employment;
  • level of monthly income;
  • mobile phone;
  • email;
  • contacts of two friends.

It will take about 10 minutes to check the information provided online. The applicant will be informed about the decision immediately by call or SMS.


All that is required of the borrower is to fill in the questionnaire posted on the official lender website. In addition to personal information, you need to specify the most appropriate way to obtain a loan, choosing from the options offered by the lender. Before sending a request, you must give consent to the processing of the information provided. If the company makes a positive decision, you will need to enter a one-time code from SMS in a special field on the microfinance organization’s website, in order to accept the contract.
Minimum documents

When contacting the lender, you only need to show a passport. In addition, the company has the right to request another additional document to be chosen by the applicant. Income certificates are not provided, so even informally employed persons can count on getting a microloan.

  • the minimum amount of documents (most often it is only an identity card confirming the majority of the borrower);
  • accelerated time for consideration of applications for loans (the maximum time for consideration for most microfinance organizations is up to half an hour, maximum hour, minimum time – from 5 minutes; consideration time depends on the amount of the requested amount and, sometimes, on the age of the beneficiary);
  • a simple system for obtaining a loan (application – the minimum period of consideration – prompt transfer of money to the account);
  • the possibility of obtaining a loan without recourse to the borrower’s credit history (lenders operate independently of the banking system in your country. Also, lenders do not keep a credit history of their customers, excluding blacklists, which are malicious defaulters – an urgent loan is available to everyone else)
    the possibility of obtaining a loan automatically, at any time, without holidays and weekends (which is especially important when you cannot contact a regular bank, for example, about blocking your account, but there is an urgent payment or unforeseen expenses – you will receive a loan on the card without refusal );
  • the possibility of remotely obtaining a loan through the website.

How to get a loan?

Instructions how to apply

Mobile App
Choose amount


Choose a term


Fill in the form


The form is automatically reviewed


We get approval from lending company


You take a loan


Why us?

Transfer of money to any account

The first and any loan for Visa / MasterCard, transfer to a bank account

Filling in the application in just 10 minutes

A convenient and updated interface allows you to easily and quickly complete the application in a few steps

Confidentiality and safety

We guarantee the confidentiality and safety of data throughout the life of the service

Our Testimonials

“Excellent service, always help out in difficult times. Competent technical support, prompt consideration of appeals and an individual approach to each issue makes it simply an indispensable service. Thank you, dear!”

Connor Gibson

Interface Designer

“Spasibische is the greatest! I needed money and you gave it to me. I was not really hoping. Great! You are a wonderful company! Thank you.”

Coriss Ambady

Computer Engineer

“Good company. Polite staff. When the delay was made, the restructuring, on conditions convenient to me. At the delay of 3 days no one was rude and did not call, as in other companies. I am completely satisfied with my work.”

Barclay Widerski

Sales Manager

“I've been using services for a long time, I've never had any problems :) If you need to immediately intercept a small amount, immediately to them. Very pleased with the regular promotions! Yes, you still overpay a lot, but at least some kind of a discount :)”

Nikola Brooten

Marketing Specialist

Also you can get loans in other cities