Top 10 Lending Company in Cebu City Online Loan Without Collateral

You can refer to the list of best lending companies in Cebu City without collateral below:

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Cebuana Lhuillie is an online lending company in Cebu City, belonging to Got-IT Lending Inc, registered with SEC, certified to operate legally.
Cebuana Lhuillie allows quick loans from 5,000 pesos to 20,000 pesos.
Loan period lasts from 3 months to 6 months.
Loan interest rates range from 11% to 19.55%/year. 30-day interest-free offer for first-time borrowers.
Loan conditions apply to Filipino citizens, 18 years of age or older, with valid ID, and stable income.
Address: Room 203, Cebu Long Se Temple Inc., Jasmin St. Cor. Osmena Blvd, Cebu City, 6000 Cebu, Philippines.
Advantages: Legally licensed, no need to mortgage assets, 24/7 instant loan, quick registration in 5 minutes, disbursement after 30 minutes, payment can be extended for 5 more days, excellent information security For new customers, 0% interest rate incentives.
Disadvantages: Low limit, short term.
Efficiency rating: 8/10

Paghiram is an OFW loan Company in Cebu City, belonging to MyCash Lending Investor Inc, operating since 2018 and licensed by the SEC.
Paghiram allows online loans from 3,000 to 12,000 pesos.
Pay in a short time from 7 days to 28 days.
The average loan interest rate is only 0.2%/day.
Loan conditions apply to Filipino citizens, from 18 to 60 years old, have a valid ID, and have a stable income.
Address: 05, Mezzanine Fl, Cebu Long Se Temple, Jasmin St Cor Osmena Blvd, Cebu City, 6000 Cebu, Philippines.
Pros: Safe, reputable salary loan in Cebu, no need to prove income, fast loan approval, no credit history considered, no service fees, can extend payment time, quick approval and disbursement, Absolutely secure encryption.
Disadvantages: Short term , low limit.
Effective rating: 8/10

Eperash is a personal lending company in Cebu City hiring, owned by MyCash Lending Investor Inc, operating legally since 2018.
Customers can receive from 2,000 to 20,000 pesos.
Repay debt within 3 to 4 months.
Eperash interest rate is from 1% to 3%/month.
Requires borrowers to have Philippine citizenship, be between 22 and 60 years old, have a valid ID, have a stable income, and have a bank account.
Address: Room 311, JSP Bldg. Gen Echavez, Corner General Maxilom Ave, Cebu City, Cebu, Philippines.
Pros: Philippines Atm loan 1 day process Cebu through Gcash, simple loan procedure only requires 1 valid ID, bad debt support, no collateral required, approval and disbursement in 7 minutes, no transaction fees, renewable payment time.
Disadvantages: Short term, low limit.
Effective rating: 9/10

Balikbayad is a quick cash loan Cebu City without collateral, owned by First Digital Finance Corporation, operating since 2015, with 2 loan packages for land based OFW and seaman.
You can borrow cash online with limits ranging from 20,000 to 100,000 pesos.
The loan package for OFWs will have a term of 6 to 18 months, with an interest rate of only 5.75%/month.
The loan package for Seaman will have a term of 3 to 8 months, with an interest rate of only 4.08%/month.
Loan conditions require Filipino citizens, from 18 to 59 years old, with an employer’s ID, a labor contract or crew certificate, an electricity bill, and a co-borrower.
Address: Noel Tan Building, Colon Street, corner J. Climaco Street, 378 Colon St, Cebu City, 6000 Cebu, Philippines.
Advantages: Personal loan cebu without collateral, online loan Philippines with 24/7 support, no collateral required, no hidden fees, same day approval.
Disadvantages: Requires proof of employment and a co-borrower.
Efficiency rating: 9/10

123 lending Cebu is an online loan in Cebu City with low interest, a service belonging to 123 Finance Group, supporting reputable online loans, licensed to operate legally by the SEC.
Loan limit from 1,000 to 50,000 pesos. Loan term from 6 to 18 months.
The loan interest rate is quite low, only from 2.9% to 3.4%/month, no service fees, no hidden fees.
Loan conditions apply to Filipino citizens, from 18 to 65 years old, with 2 valid IDs, labor contract, certificate of marital status, and co-market.
Address: GMC Plaza, M.J. Cuenco Avenue, Legaspi Ext., Cebu City, 6000 Cebu, Philippines.
Advantages: Reputable, legit personal loan Cebu, no mortgage required, simple procedures, online registration anytime, anywhere, no hidden fees, low interest rate, fast approval.
Disadvantages: must have co-maker, no support for bad debt, requires proof of income.
Effective rating: 8/10

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