How can we help you?

To apply with Loanova, you must be a Filipino citizen, at least 18 years old, have a stable source of income, and own a valid government-issued ID and an active smartphone. That’s it! Most Filipinos who meet these requirements can apply easily.

The entire process is 100% paperless and simple. You usually only need one valid government-issued ID (Passport, Driver’s License, UMID, SSS ID, PhilID, etc.), basic personal information for verification, and some details about your income to help us assess your application. No need to submit piles of paperwork!

Filling out the application is fast — it usually takes only 5 to 10 minutes. Once you submit, our system will give you an approval decision in minutes. Quick and hassle-free!

Yes, we do a responsible credit assessment. The initial check is a 'soft inquiry,' which does not affect your credit score. A 'hard inquiry' that may impact your score only happens if you accept a loan offer.

Loan approvals are based on an automated assessment. Common reasons include not meeting the basic eligibility requirements, incomplete or inconsistent information, or results from our credit risk evaluation. We suggest reviewing your submitted information and trying again.

Yes! We welcome applications from students, self-employed individuals, freelancers, and gig workers. As long as you have a stable source of income and meet the basic requirements, you’re welcome to apply. Check our advices for freelancers