A loan in
an instant

Our company does not charge any service fees. It’s absolutely FREE! The loans offered have minimum repayment terms of 120 days (4 months). Lending rates vary from lender to lender in the range from 12% to a maximum APR of 36%. For example, for a loan of ₱ 10,000 that will be paid in 4 months, the total payment of the loan will be ₱ 15,000.

Get It Today

Immediately

We issue loans in the shortest possible time, without visiting the office

Easily

When applying online, no additional documents are required

Сoncessionary

For new customers, a loan with a transfer to a card at 0% up to ₱ 153,000

Perfectly fit

After the application is approved and the contract is signed, the money is credited to the card within a couple of minutes

It only requires:

Debit card

Since the age of 18

Passport

Phone and email

Getting a Loan Is Easy!

Compare all the offers and choose the best

You can select suitable companies and click "Get"

Compare all the offers and choose the best

You can select suitable companies and click "Get"

Get your money

As soon as the loan is approved, the money will come to your bank account immediately

The best solutions have been prepared for you

Thank you for your feedback
on our loan matching service

I’ve got a bunch of loans. Thank you very much for your efficiency. You can borrow money at any time of the day. The money gets credited to your bank account right after you’re approved. Thank you again. I recommend it!

It’s a very convenient service. I’m always calling on their aid at the worst times, and they have never refused to help so far. Don’t have any trouble with this company.

I really had to buy medicins when I ended up in a hospital, and I was too ashamed to ask my children for help. Thank you zaimcash.com for your website simplicity. I borrowed money until my retirement check arrived and paid it back in full in just three weeks.

Frequently Asked Questions

How do I apply for an interest-free loan through zaimcash.com?

You can apply online with our simple form, and we will find a lender that will suit for you.

Is it true that zaimcash.com is totally free? Do you charge anything to use your website?

Yes, finding loan offers with peratheone.com is totally free.

How much can I borrow?

Most of our lenders agree to lend ₱ 1 000 to ₱ 25 000.

What kind of requirements is there to apply for a loan online?

If you want to apply, you must: 1. Be a legal citizen of the Philippines. 2. Be over 18 and under 80 years old. 3. Have a valid debit card or bank account. 4. Have a valid SSS or TIN or UMID card. 5. Have any form of income (official or unofficial). 6. Have a personal email address and mobile phone number.

I’ve got a few blemishes in my credit history. Can I apply?

Our lenders strive to serve all customers, no matter their history or circumstances. They will consider your ability to make payments along with your credit history.

Can I pay off my loan early?

Yes, you can repay your loan at any time. The sooner you pay it off, the less you will pay in interest. The interest accrues only for those days that you actually used the loan. You can make payments ahead of time and pay only for the days you actually used the borrowed funds.

What if I cannot repay my loan?

If you are unable to repay your loan, this means you cannot perform your loan obligations. Late payments or delinquencies may negatively affect your ability to borrow any money. Please reach out to your lender immediately if you think you cannot pay on time.

How do I repay?

Each lender has their own process and will send you all the information you need to make your payments. Repaying loans is simple and can often be done through direct transfer, by creditor debit card, or by depositing money to a specified bank account. You should follow the instructions your lender gives you and make payments on time to avoid additional charges.

Intermediary Responsibilities Policy

zaimcash.com is not a lender, nor does it take any decisions regarding loans. zaimcash.com finds lenders for customers based on their application information. It earns a commission, paid by the lender, for providing advertising services. We cannot guarantee that a lender will accept your application or that they will offer you loan terms that will suit your needs. Not all lenders can provide loans of up to ₱ 25 000. The time it takes to process and transfer a loan depends on the lender. This website does not directly endorse any particular product or service. Any information on this website is approximate in nature. Some lenders may perform a credit check with a credit reporting agency as a loan condition.

Maximum/Minimum Repayment Periods and Maximum Interest Rate

The APR is the cost of borrowing a loan, expressed as a nominal annual interest rate. As zaimcash.com is a credit broker and not a lender, we cannot guarantee a particular annual percentage rate. Annual percentage rates typically range from 0% to 36%. Repayment periods for loan products usually range from four months to six months. Before accepting a lender’s offer through our system, please make sure to read through the loan agreement carefully, since interest rates and repayment terms may differ from those listed on this website.

Collection Process

Most lenders will contant you through regular mail, email, or phone to change your payment terms. Failure to pay may result in interest accruals and/or increases and may affect your credit score. Continued failing to pay may result in the lender transferring your debt to a collection agency, which will lead to additional fees.

Consequences of Nonpayment

If you cannot repay on time, your lender may start the collection process as per the loan agreement. Your lender will often contact you to arrange an alternative repayment schedule. This could result in additional fees or interest. Lenders also have an option to file a lawsuit against you. Consider contacting your lender before missing a payment to find out what collection policy they have and discuss your repayment options.

Late Payments

If you think you won’t be able to make a payment on time, then it is important to contact your lender beforehand. Your lender may offer to extend or renew your loan. Keep in mind, however, that this will accrue additional interest. Your lender may charge a fee for late payments. The amount is determined by the lender, so please read the loan terms before agreeing. Late payments may also negatively affect your credit score.

Extensions

zaimcash.com does not recommend extending your loan. If you feel that you cannot repay your loan on time, then we strongly suggest you not taking it and recommend that you seek independent financial advice. However, should you decide that an extension is necessary, please discuss this option with your lender. For more information about your lender’s process and policy regarding nonpayment, please review the terms in your loan agreement.

A loan in an instant