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Solve Your Money Problems With These Loan Opportunities

Money problems are unexpected, endless, and crucial. They are surprising because emergencies don’t come as planned. There will be circumstances like medical problems or home repairs that you might not have saved for. They are endless because there will always be something to spend on every day – food, utilities, fare, and even your internet connection. And finally, money problems are crucial because when resolved with the wrong product, you will end in debt traps and may take years before you can recover.

You might think that applying for any loan is a risk. However, if you are financially literate, you would understand how these products work and how you can use these products for your benefit.

Let’s check out six of the most lucrative loan opportunities you can apply for today:

Personal loan:

Citi Personal Loan

Citi personal loan lets you achieve your goals, be it business expansion, home improvement, personal growth, holidays, and debt consolidation. If you borrow Php100,000 for 60 months, your Annual Contractual rate (ACR) would be at 26.9%. You will be charged with a Php1,750 disbursement fee and Php1.50 documentary stamp fee per Php200 loan amount.

The Citi personal loan allows you to wait for approval or feedback in as fast as 24 hours, choose your payment terms from 1 to 5 years, and get approved for up to Php2million without collateral or guarantor.

You will need to submit one valid government-issued ID with photo and signature. Employed individuals should provide their latest Income tax return (BIR Form 2316), payslip, and audited financial statements for business owners.

RFC Loan

Radiowealth Financing Company (RFC) personal loan is your ultimate financial assistance. You can choose from different types of products like Business Expansion Loan, Franchising Loan, Machinery and Heavy Equipment Loan, and Working Capital Loan.


Sole proprietorship requirements include duly accomplished loan application form, at least two government-issued IDs, latest 2×2 photo, proof of billing, DTI registration certificate, Business Permit, or Mayor’s Permit and other certifications issued by government-agencies like LTO, DENR< DOH and DAR.

Global Dominion Personal Loan

Are you an Overseas Filipino Worker who dreams of getting funds and establishing a business in the country? Global Dominion OFW Loan gives you the money you need with an interest rate as low as 1.3%. The OFW Personal loan is a multi-purpose cash loan for land-based OFWs. You can also use the money to pay for travel, home renovation, or any other significant purchases you plan this year.

Eligible applicants are Filipino Overseas Workers with valid contracts and a minimum salary of at least Php20,000. Applicants should be in the Philippines at the time of application. A co-borrower is required during the application process.

Short-term loans


Cashwagon offers instant cash loans for up to Php20,000 to be paid in 180 days. After submitting the requirements, you can expect your money to be disbursed in one hour. Cashwagon also allows you to borrow up to Php6,000 on your first loan.


To apply, fill out the application form, take a picture of yourself with your valid identification card. You will receive an SMS containing the company’s feedback about your application. Once approved, you can receive your money instantly in one hour in your nominated bank account. Search for Cashwagon’s accredited payment channels and pay your installments quickly.


Tala is a loan app specially designed for Android users. Tala provides personalized loans to the approved borrower. You can get up to Php15,000 loanable amount when you download the app and register. Through the app, simply apply for your desired loan amount by providing the required information. Wait for 24 hours for feedback.

You may also apply via Gobear by clicking this link and ensure that your data is secured and your application is sent.

personal loan


pera247 is a credit tailored for those who need money the most. Whether you want to renovate your kitchen, buy new home appliances, or pay your monthly utility bill, pera247 is a ready hand that answers your money-only emergencies.

You can apply via Gobear or download the mobile app and borrow up to Php30,000. You can choose AffordaLoan, which offers better rates and more significant loan amounts. You can also opt for the InstaLoan, which provides instant cash to borrowers. Loans come with a processing fee of at least Php225 with a minimum payment term of 14 days.

Final thoughts:

There are numerous types of loans offered in the market today. You can apply and instantly get the money you need. However, for you to maximize the benefits from borrowing and lending, you need to check for the company’s credibility, interest rates, maximum loanable amount, payment terms, and loan conditions. A wise borrower doesn’t just look at the money but should also check on various aspects that make the loan a worthwhile venture.

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