99credit

Start Your Smart Loan Journey with 99Credit

We provide simple and reliable financial solutions to help you move forward.

01 Simple application, no paperwork

02 Instant approval & disbursement

03 No hidden fees, total transparency

Statistics Show Reliability

Providing fast and reliable financial solutions across the Philippines.

500000+

Satisfied Customers

$2 Billion+

Loans Disbursed

90%

Approval Rate

Your Instant Loan, Powered by 99Credit

Get the funds you need in minutes - not days. We make borrowing simple, secure and tailored to your situation.

Quick Cash Loan

Apply with just your UMID and get instant approval with same-day disbursement.

Payday Loan

Simple application process with fast approval to cover expenses before your next payday.

Installment Loan

Enjoy loans up to 24 months with competitive APR and transparent terms.

How it Works

Create Account

Get the 99Credit app from Google Play or the App Store. Create your account in minutes by filling in your basic details.

Request Loan

Select the loan product that best fits your needs. Submit your application through the app - our automated system will review it quickly.

Get Money

Once approved, celebrate! The money will be transferred directly to your registered bank account or e-wallet promptly.

Feedback

Best Personal Loan

A lifesaver when my son got sick! Applied on my phone at the clinic, and the money was in my GCash in minutes. Unbelievably fast and simple process when I needed it most.

Maria S.

5.00 (27k Reviews)

Bought a new fridge for my sari-sari store with their installment loan. The 12-month plan has light monthly payments that fit my budget perfectly. It helped my business grow without straining my finances. So flexible and helpful!

Sofia G.

5.00 (27k Reviews)

Excellent customer service! The support agent was so patient and polite, clearly answering all my questions. Combined with the fast loan I got, this wonderful service has made me a loyal user. You guys are doing a fantastic job!

Althea R.

5.00 (27k Reviews)

As a jeepney driver, I have no time for bank paperwork. 99Credit is amazing! Got a small loan using just my phone—no documents, no stress. It was super easy and fast. Highly recommended for hardworking Filipinos like me!