Bagong era ng pautang.
Money, when you actually need it.
Personal loans from ₱1,000 to ₱25,000. Apply from your phone, get a decision in minutes, and see exactly what you repay before you agree.
No collateral · No guarantor · No hidden fees
What makes eraloan different
Speed is easy to promise. We built the product around the part everybody else hides — the number you have to pay back.
Decision in minutes
Apply from your phone and get an answer while you are still holding it. No queues, no branch visits, no waiting for a callback.
No collateral
No property, no car, no guarantor. Fully digital from application to release — you never sign a paper form.
Safe and secure
Built to Philippine data privacy law. Your information is encrypted end to end.
One number, no surprises
You see the interest, the fees and the exact total to repay before you confirm. Nothing is added later.
Apply in four simple steps
Everything happens in the app. No branch, no printed forms, no courier.
Fill in your details
A short form in the app. Name, income, and where to send the money.
Verify your identity
One government ID and a selfie. Verification is automatic.
Review and sign
Read the full cost of your loan, then sign the agreement in the app.
Get your money
Released to your bank account or e-wallet, usually the same day.
What our customers say
Saved my week
My son had a fever on a Tuesday and payday was Friday. I applied while sitting in the clinic and the money landed before we were called in. No awkward phone calls to relatives.
Mariel Santos, 26 — Quezon City, call centre agentEverything was clear
What I liked is that the total I had to pay back was on the screen before I agreed. Nothing appeared afterwards. I have used other apps and that was not my experience.
Joshua Dela Cruz, 31 — Cebu, delivery riderBack in stock before Christmas
I needed to restock the sari-sari store before the Christmas rush but my cash was tied up. Applied at night, approved the same evening, paid it back over three months.
Angeline Reyes, 29 — Davao, store ownerFrequently asked questions
What is eraloan?
eraloan is operated by TBD, a financing company registered with the Securities and Exchange Commission of the Philippines (Company Registration No. TBD, Certificate of Authority No. TBD). We provide personal loans through a secure mobile app — designed for real people in real situations.
What kind of loans do you offer?
Personal loans for employed and self-employed Filipinos, repaid in fixed monthly instalments. No collateral and no guarantor required.
What can I use the loan for?
Anything you need — medical bills, school fees, a trip home to the province, house repairs, or restocking your store. You decide.
How much can I borrow?
From ₱1,000 up to ₱25,000, depending on your income, your documents and your repayment history with us.
How fast is the money released?
Most applications are decided within minutes. Once approved, the money is sent straight to your bank account or e-wallet on the same day.
What are the rates and fees?
Every peso is shown before you confirm — interest, processing fee and the exact total you will repay. There is nothing added afterwards.
How do I repay?
In fixed monthly instalments. Pay through GCash, Maya, InstaPay, online banking, or over the counter at partner outlets.
What documents do I need?
One valid government ID — PhilSys National ID, UMID, driver’s licence or passport — plus proof of income such as a payslip or a bank statement. Everything is submitted in the app.
How do I apply?
Four steps: install the app, fill in your details, complete identity verification, then review and sign your loan agreement.
Who can apply?
Any Filipino citizen aged 21 to 60 with a regular income, a valid government ID, and a bank account or e-wallet.
Can I repay early?
Yes, at any time. There is no penalty for paying ahead of schedule.
What if I miss a payment?
You will get a reminder and a clear explanation of your options. We will never contact your family, your employer or your friends about your loan.
Can I borrow again?
Yes. Customers who repay on time are offered higher limits and faster approval on their next loan.
How do I reach you?
Email [email protected] and our team will get back to you. You may also reach the SEC Contact Center on 14732 (1-4SEC) or at https://imessage.sec.gov.ph/.