Quick Cash Loans For Unemployed People

Getting a loan for unemployed in the Philippines

Find a job with a high wage and keep it is not an easy task for Filipinos. Unforeseen quarrels with bosses, deteriorating health condition, lack of opportunity to improve professional qualification and other problems can cause unemployment. Until a new job is found, how is it possible to feed the family and pay bills? The answer is simple. One can use microcredit services. A small and easy loan for unemployed Filipinos is issued by several microfinance organizations. Let us find out which companies give loans before one gets the salary, and check out loan terms for individuals.

Citibank Philippines
(3,5/5) 163 voice
from to days
Money Cat
(4,42/5) 243 voice

Money Cat

Fast, simple and safe

PHP 1000 - 20000
from 14 to 28 days
interest rate
for 2,5 per day
(4,79/5) 1597 voice

Robocash Ph

Free loan up to PHP 10 000, for each new client!

PHP 1 000 - 10 000
from 7 to 180 days
interest rate
for 0 % per day
Online Loans
(4.61/5) 499 voice

Online Loans Pilipinas

Money in your pocket in minutes!

PHP 2000 - 20000
from 7 to 30 days
interest rate
for 1% per day
(3.7/5) 12 voice

JuanHand App

We lend our hand to save another Juan

PHP 2000 - 12000
from 91 to 180 days
interest rate
for 12% per day
(4,8/5) 25 voice


Only 4 steps to get a loan

PHP 1000 - 20000
from 90 to 180 days
interest rate
for 0.03 per day
(3.59/5) 1324 voice


Cash Made Easy

PHP 5000 - 15000
from 7 to 35 days
interest rate
for 1% per day
Cash Mart
(4.33/5) 489 voice

Cash Mart

The most convenient loan!

PHP 5000 - 30000
from 7 to 30 days
interest rate
for 0,8% - 3,5% per day
24 pera
(4,76/5) 854 voice

24 pera

Probability of approval is 95%!

PHP 1000 - 100000
from 61 to 365 days
interest rate
for 1,28% per day
(4,41/5) 325 voice
PHP 5000 - 35000
from 90 to 365 days
interest rate
for 0,5 % per day
Loan Load
(4.6/5) 627 voice

Loan Load

Round-the-clock loans in the Philippines

PHP 5000 - 50000
from 61 to 365 days
interest rate
for 2,3% per day
(4,3/5) 357 voice


Sa Tala, magaan ang hiraman

PHP 1000 - 25000
from 21 to 30 days
interest rate
for 0,5% per day
(3.98/5) 435 voice


The most convenient loan!

PHP 2500 - 15000
from 10 to 90 days
interest rate
for 0,83% per day
(3,17/5) 41 voice


The guide about personal loan in the Philippines

PHP 1000 - 10000
from 7 to 60 days
interest rate
for 0,5%. per day
(4,55/5) 258 voice
PHP 1000 - 10000
from 15 to 45 days
interest rate
for 0,3316 % per day
(4.73/5) 876 voice


Credit online!

PHP 3000 - 10000
from 5 to 30 days
interest rate
for 0,65% per day
(4.32/5) 268 voice


Get financing for whatever you need now

PHP 2000 - 20000
from 61 to 90 days
interest rate
for 0,8% per day
(3.81/5) 42 voice


Responsible Borrowing, Ethical Lending

PHP 10000 - 2000000
from 1 months to 36 months days
interest rate
for 0,26 per day
Upeso Lending
(4.3/5) 259 voice


Out of money? Find peso!

PHP 3000 - 12000
from 7 to 28 days
(4.27/5) 543 voice


Fast loan? Use Pesoloan!

PHP 8000 - 10000
from 91 to 120 days
(4.35/5) 248 voice
PHP 5000 - 40000
from 14 to 21 days

Benefits of loans for the unemployed

Many financial companies in the Philippines work online and give non-cash loans. Therefore, to receive funds, you just need to visit the website of the organization you like, fill out the application form and wait for approval. The whole process takes less than 10 minutes, and the money is transferred to the account specified by the borrower (the bank account should be active) within 15 minutes – 2 working days. It depends on the creditor and the particular work of the bank where the bank account is opened.

There are other advantages:

  • Rapid approval of the application;
  • Option to extend repayment terms;
  • Fully confidential treatment;
  • There is no need to visit the bank branch;
  • There is no need to bring a set of documents for a creditor;
  • Registration on the website for managing borrowed funds and applications;
  • Transparency of lending: the repayment amount, loan terms and interest rate are available to the borrower during the loan processing;
  • No need for collaterals or guarantors.

In addition to making an immediate decision regarding the loan, microfinance organizations give an opportunity to choose the loan amount (limited from 1,000 to 10,000 Filipino pesos for the first pautang) for the borrower. In order to do this, use a calculator available on the website of the creditor’s company.

Loan Calculator for the Unemployed


Pautang for unemployed in the Philippines

It is possible to locate lenders situated in the Philippines that welcome and most times approve loan applications of those individuals that do not have bank accounts. That being said, if you happen to be that type of individual, you have very limited options when it comes to loans. You are able to get only short term loans that come with small amount limits. If you are interested in long time loans, which offer the flexibility required in regards to repayment time, you will find that these loans are harder to come by, particularly if you do not have a bank account. There are other ways to apply for a loan when you do not have a bank account. You will either be required to place collateral or get placed with super high interest rates as well as other fees, compared to borrowers that have bank accounts. This form of loans are harder to pay off as they usually come with short repayment terms. This is why you should pay attention to the terms and conditions when searching for a loan from lenders that do not require a bank account. Having a bank account helps you get much improved loan terms and interest rates, as well as improves your choice of options.

Sangla/Pawn Loans

Getting a loan from a pawnshop is seamless as you will not be required to present a bank account or any sort of document related to a bank. You also do not have to worry about providing your loan purpose, credit history or income. All you really need to get your loan is to offer something of value to the pawn. The loan from a pawnshop is usually for a short period of time.

Where it is better to get emergency loans for the unemployed?

Taking a loan from a bank even for a minimum amount without a certificate of employment is complicated because in this case the borrower is insolvent. Microfinance organizations are less scrupulous in checking a candidate. However not all of them offer advantageous lending terms – low interest rate, minimum time to cash, partnership with a large number of Philippine banks, etc. Here we made a list of reliable financial companies.

Robocash Phillipines

Robocash offers loans to individuals that are seeking instant pautang for unemployed people and are unable to get loans through the conventional means. You are able to get a loan from Robocash if you are a Filipino citizen, aged between 22-60 years and of course have a valid means of identification provided by the government. You also have to be registered on the site before you are able to access a loan. Robocash PH is a great source of loans for individuals that are unemployed as there are no employment clauses to getting loans from Robocash. You simply should have the above prerequisites and a phone number that has not been blocked. Using Robocash, you are able to get a loan online without bank account


Cashwagon is an online private lender that focuses on providing access to loan to individuals that are usually unable to access loans via the traditional methods. Cashwagon offers loans for all purposes without the need for collateral, complicated approval methods or even long wait times. Unfortunately, Cashwagon requires that a loan applicant should be gainfully employed or self employed before they are able to access loan facilities. This makes Cashwagon not a source of easy loans for those who are unemployed in the Philippines. This means it is not a great source of personal loan for the unemployed.

Online Loans Pilipinas

Online Loans Pilipinas is a private loan company that makes use of financial technology to serve its prospective customers. At this moment, it can be classified as an online private lender as it has the entirety of its operations online. This is done in a bid to lower costs and ensure that those who want loans are able to get them in an efficient and equitable manner. At this moment, Online Loan offers loans services to customers that are:

  • aged between 22-60 years;
  • currently employed or have a steady income source.

As with all private lenders, you will have to provide proof of identification, either a passport, student ID, or driver’s license.

You will also be required to have a bank account to be able to get your loan. However, there are plans by Online Loans Pilipinas to offer other payment options such as cash pick up and GCash.

While these are all very good merits of getting a loan from Online Loans Pilipinas, this is not the place for an unemployed individual to get a loan as there are limitations to that effect in the requirements put out by the company.

Emergency Loans INC

The company offers services in the microfinance market of the Philippines, the US and some other countries. The loan is issued in dollars. Approval of the application takes about 24-48 hours. However after confirming borrower’s data the money is transferred immediately. The minimum loan amount is $ 100. The maximum one is from 5 000 $ and above. The loan terms are from 7 days to 1 month. The solvency certificate is not requested by this company, as well as the collateral, so you can’t expect getting a big loan.

Loan Ranger

This microfinance organization issues loans to individuals without a permanent place of work, with a bad credit history, etc. It has been in the microcredit market of the Philippines for several years. It offers the borrower advantageous lending conditions, but the maximum loan amount of this company is lower than that of the others. It is only 10 000 PHP. A big advantage is that the approval term for the application in the Loan Ranger is only 1 day. However before applying, a borrower should to estimate one’s capabilities, because the minimum loan amount is 3 000 PHP (you can not reduce the amount). Loans terms are from 5 to 30 days.


Cashalo is a great option for those who want financial freedom in the event of emergencies. They have a mobile app that makes loan application much faster and affordable. Given that some loans are taken out due to emergency, it is great to know that Cashalo offers fast payouts once your loan has been approved. Unfortunately, one of the prerequisites of obtaining a loan from Cashalo is the fact that you have to be employed, but there is a way around getting a loan from this private lender. You can be unemployed and still get a loan, as long as you have a steady source of income, with income in this case coming in form of remittances.

Fcash Global Finance Inc

The company has released a new product “Fast Cash-online” for mobile borrowers.  Filipinos who have a smartphone can get an online loan for the unemployed, installing Fast Cash app on their phones. It is available free of charge in online stores Google and AppStore. The system of loan calculating is no different from the calculating presented on websites. The borrower chooses the necessary amount and loan term. The application automatically calculates the final payment. The funds will be transferred to a bank account or online wallet in 3-7 minutes after the application approval. The application is connected to the account, so it takes less time to check your phone and e-mail. The company promises to take a decision regarding the loan within 12-24 hours.


There is a lot to be said about Upeso, considering that it is one of the new online private lenders. At this moment, it seems to tow the part Online Loan Pilipinas in the sense that you should have some source of steady income or be gainfully employed. Other than that, you also have to be of valid age to be able to apply for a pautang.


There are numerous types of loans offered by Cashmart. These emergency loans can be given to those who are unemployed. It can be a great relief for those who want an emergency loan for necessities and needs. It can be a wonderful relief for those that want any extra bit of cash when they need it.

Requirements for loans for unemployed

To get an unemployed loan, the borrower must meet a number of requirements:

  • Age 22-60 years (foreign companies working in the microcredit market of the Philippines provide loans to people aged 18-21, but not all of them do so);
  • Residence registration in Manila or other areas of the Philippines;
  • A valid bank account (It should belong to the borrower and shouldn’t be closed);
  • Receiving financial assistance.

It is worth asking which banks the selected creditor cooperates with when applying for a quick unemployed loan. Some organizations make immediate transfers only to the cards of partner banks.

What can be done to have one’s unemployed loan approved?

The main rule of the instant receipt of a loan is reliable and complete information about the borrower. When filling out the application form, one needs to enter only official data about active bank accounts and unlocked phone numbers, e-mail. If the lender does not need to look up customer data, he will check it faster. It is very important to repay a previous unemployed loan in a timely manner. Positive cooperation is the key to increase company’s confidence in the borrower. Moreover microfinance organization will have more confidence in Filipino, who is searching for a job and receives unemployment benefits.

Financial companies rarely check the overall credit history of the borrower. However borrower’s attitude to the loan taken from them is strictly monitored. Therefore, the main advice is to estimate one’s capabilities soberly. It is worth remembering: the borrower himself chooses the amount and the loan term!

Cash loans for the unemployed with no bank account Philippines

It can be hard to find zero interest loan app. There seems to be a general theme in which private lenders search for borrowers that have a regular monthly income. Having a monthly income ensures that the loan would get paid when due. However, it does not mean that there are no options for the unemployed to get loans. It has been shown that only about 22.6% of the Filipino population have bank accounts. It means that around 53 million Filipino adults do not have a bank account and the majority of them have no means or the necessary funds to open one. For individuals that are going to borrow money and do not have a bank account, there are numerous ways available for getting a loan.

The one most prevalent way of borrowing cash is getting it from friends and family. This is not something that is new to the Filipino culture. When instant loans are wanted, the first place most people apply is their relatives and neighbours. Typically loans like this do not come with any sort of interest, and that is one of the reasons why most people are drawn to them. The cash is usually available as soon as the request has been processed.

There are some drawbacks associated with this type of loan, as failure to repay the money could cause your relationship with the lender to sour. You can then add to the fact that this could cause your lender to let everyone around know that you took a loan and did not pay. As this is an informal type of loan, there are usually no legal frameworks to protect any party as there is never anything as signing a contract that provides confidentiality. Another thing about this loan is the fact that the lender usually limits the period of time you can hold on to the money, as they would likely need to make use of it pretty soon. This means most loans of this type usually last up to a week.

The amount you are able to borrow is usually not subjected to how much you can pay back. There are other factors that are considered when trying to get this type of loan. Typically, you have to take into advantage what the person thinks of you, how much they believe you are able to pay back, the length of your relationship with them, as well as how close they are to you.

Private Loans Without Bank Account

It is possible to get loan from private lenders. The term ‘private lenders’ in this sense means those entities that offer online loans, payday loans and quick easy loans for the unemployed. Since there are plethora of services, you will have to discover which ones lend to individuals who do not have a bank account.

If you as an individual do not have a bank account and are going to collect a no bank loan from any of these private lenders, you will simply need to head to that company’s website and set up an account. Most of these private lenders require that you are at least 18 years of age, have a valid means of identification, a phone number and are of course a Filipino citizen. Usually, applying online at these private loan companies means you can get your loan approved in a few minutes. Considering you do not have a bank account, it would be impossible to get your money sent to you. What you would have to do is to go to a designated office of the private lender to get your funds in cash. Private lenders differ from pawnshops in the fact that they do not require collateral, considering that what they provide can be termed as unsecured loans.

24 hour loans for the unemployed

There are cases when you will need to get a loan as soon as possible due to an emergency or some other reason. This is where a 24 hour loan is needed. For individuals that are unemployed, it can be difficult to access quick loans like this. One major source of such loans, however, are private lenders. As stated earlier, it would be best to search for certain private lenders that offer not only 24 hour emergency loans, but also do that to individuals who are unemployed.

SSS Unemployment Insurance

There are numerous ways to get emergency loans at cashmart. The first is unemployment insurance which helps those that have recently lost their job and have responsibilities.

While this isn’t a loan in the typical sense, it is classified as a cash gain for those that have been terminated or paid off recently. It is only provided to those individuals who have been involuntarily separated from their job and not those who have quit their job. At the very least, you should have provided certain contributions going back to at least 36 months. You also have to be an active member of the SSS to get the unemployment benefit.

It is possible to get up to 50% of your income in a month, but there are upper limits of 10,000 Php.

On a positive note, you do not have to worry about paying the pautang.

Online Allottee Loan

In case you are unemployed but happen to be getting some sort of monthly income of remittances from your parents, children or spouse, it is possible for you to apply for a Seafarer or OFW allottee loan. These kinds of loans are offered by Cashmart to aid college students, housewives as well as the elderly if they need extra cash.

For you to be able to access this type of loan you will have to register on the website provided by Cash Mart. You will have to have a valid means of identification issued by the government

Other things you will need are:

  • OFW’s Passport;
  • OFW’s Working Visa;
  • Latest Proof of Billing;
  • Proof of remittance (under allottee’s name) – the latest remittance for at least 6 months;
  • Proof of relationship (birth certificate or marriage contract).

The loan process that Cashmart offers is fully online, so you do not have to worry about having to go to any office. You can simply go online on your phone and apply.

This loan is perfect if you are unable to receive cash from your Seafarer or OFW. It does not matter if you have no means of employment.

Example of calculating interest and loan payments

TERM 10 days 20 days 30 days
LOAN AMOUNT 10000 PHP 10000 PHP 10000 PHP
FEE 1% 1% 1%
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Written by | Modified date: November 02, 2020

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