Asteria Online Lending platform does not require download any mobile application. We are strictly web based operator that respect your privacy.

Get Instant Loan

Up to PHP 50,000 for up to 180 days, disbursed within 24 hours.

How much do you need?


PHP 2,000

PHP 50,000

10,000 and above available for reloan only and Maximum Loan of 50,000

Representative example: Borrow 10000 PHP for 120 days*, the interest rate is 0.2 % per day, you will need to repay 12400 PHP (semimonthly amortization is 1,550.00)
Annual Percentage Rate (APR) = 72%
Effective Interest Rate is- 15% or 0.5% per day
*Maximum repayment term of 180 days.

*Note: In compliance with MC No. 03 s. 2022, Implementation of Bangko Sentral ng Pilipinas Circular No. 1133 Series of 2021 on the Ceiling/s on Interest Rates and Other Fees Charged by Lending Companies, Financing Companies, and their Online Lending Platforms

Application Requirements

  1. Must be a Filipino citizen
  2. Age: 21-60
  3. Min. salary requirement: 15,000 pesos gross per month
  4. Own a personal bank account
  • 24 hours approval policy
  • Real Time Disbursement
  • Most Reliable in The Philippines

Advisory: Always study terms and conditions on the disclosure statement before proceeding with your loan transaction.

4 easy steps to get your cash loan today

Fill out the 3 minute online application

First we need to know a little about you and your needs for the loan.

Apply Now!
Wait for our quick approval
Wait for our quick approval

Get your approval within 24 hours

Receive your money immediately
Receive your money immediately

Real time disbursement after approval

Make easy monthly payments
Make easy monthly payments

Make monthly payments based on your choice

We will match you with a loan program that meets your financial needs.

In short-term liquidity, by striving to make funds available instantly upon approval of application.

Loved by +100,000 people in the Philippines!

Zarah Licuanan
Zarah Licuanan

“I loved the service. Transaction and the approval are fast. Kudos to Mr. Abdon Bondoc! Best customer service experience. He was accommodating and friendly. He made sure that all requirements were met to avoid delay and discrepancies. Thank you Asteria Lending! The interest rate is reasonable.”

GR Arceo
GR Arceo

“5 Star! World class customer service. Well mannered with professional courtesy to potential clients. Especially Yael. I may have forgotten her full name but never her beautiful voice over the phone! more power!”

MB Jarde
MB Jarde

“Thank you, Asteria! Most especially for Billy! Excellent Customer Service! Your
name is quite popular from your customer’s feedback and reviews, you deserve to be
on the next level of your career. Thank you for your great service, Billy!!!! GOD

Katrina Faye II
Katrina Faye II

“I spoke to Dianne one of the CSR and she’s very kind and helpful. She walk me through the whole process and I’m very happy that I received the money in less than 5mins. I will recommend this to our co’worker and friends. Very convenient and you can talk to CSR easily. I really love the Service and Kudos to Dianne. God bless and thank you.”

Anj Requina Marimat
Anj Requina Marimat

“Kudos to JB for being super helpful and for the fast approval.   They have long terms with a reasonable fees.”

Amethist Lazully
Amethist Lazully

“Easy steps for loans,quick approval,more easier and fast disbursement on bank,Good! Thanks also to Ms.Jean for quick response good job po.”

An Instant Cash Loan is an online installment form of credit with comfortable repayment terms
  • Terms
    30 days to 120 days
  • Amounts
    Up to ₱50,000 PHP*
    (up to ₱10,000 PHP on first loan)
  • Interest rates
    0.2% per day

Basic Requirements for application

  1. Filled out the application form
  2. One Primary ID (UMID, New TIN ID, New PhilHealth ID, or Drivers License)
  3. Filled out the application form
  4. Bank account under applicant’s name where we will transfer your loan

A representative example: You apply for PHP 10,000 and choose comfortable repayment over 120 days, your monthly payment will be only PHP 1,550 semi-monthly, so your total cost of the loan will be PHP 12,400

* refer to Terms & Conditions to understand the full product details



Have more questions?

Call us (02) 5318 8000

Applicant must be a Filipino citizen currently residing and working within the country in Metro Manila, Pampanga, Batangas, Bicol, quezon province or other nearby cities

Applicant age must be no less than 21 at time of application, and no more than 60 at the time of completion

Applicant must have one of the following ID UMID, or New TIN ID, or New PhilHealth ID, or Drivers License

Applicant must have a Bank account under his name to able to receive the loan

For first time customers, the minimum Personal Loans amount is ₱ 2,000.00; and the maximum amount is ₱ 9,999.99

For renewal, Minimum is 10,000.00 and the maximum is ₱ 50,000.00 depends on the previous loan repayment and on the client salary

We allow to our clients to choose the most convenient term.
Number of due days are also changeable from 1 up to 6
depend on the length of the loan and the loan amount.

30 days /61 Days/75 days/90 days/120 days

Check the calculator for loan amount and terms

Register yourself on our web site by clicking on APPLY NOW button

Log in with your username and password that previously you have created and fill out our online application form

During the application upload the necessary documents.

During the application, if you are missing any requested details or documents you can save your progress at any time and when you re log in you may continue to complete your form.

Asteria will process your loan request within 24 hours, after loan approval the funds will be transferred to your Bank acc via Instapay

We will begin processing your application once we’ve received your application. Please ensure that you have provided all the necessary data in your application form and that all the required documents (ID) have been uploaded. We will match you with a loan program that meets your financial needs. In short-term liquidity, by striving to make funds available instantly upon approval of application.

Yes, you can avail our re-loan program after you successfully paid your existing loan in full.

Login to your existing Asteria account and click Re-loan.


Your interest rate is 0.2% per day.

Once we have reviewed and processed your application, we will immediately send you an email, and SMS to your phone regarding your loan status. You may follow up on your loan request thru your Asteria dashboard as well.

The instant cash transfer starts after we receive complete details of your online application and complete requirements, in case you miss to upload any documents or fill out some details the transfer can be completed after you submit all the requirements.

Our working hours are from Monday to Fridays, 9:00 AM to 7:00 PM. All applications received during weekends and holidays will be processed from the 1st working day which is after the application was received.

There will be instances wherein the approval process will take longer than the usual instnt transfer. Should you feel there is a delay in your approval, please do not hesitate to contact us on
(02) 5318 8000, and our representative will review your request to identify the issue.

After a successful loan disbursement, we will provide you a Repayment Instructions via Email containing When, How, Where and How much to pay and consequences of non-payment. For your general information, the repayment can be done by Dragon Pay Payment facilities which are available in every 7 Eleven, Cebuana, GCASH, Paymaya, LBC, SM Payment Centers, Robinson Payment Centers and Bayad Centers. The repayment instruction will be sent to you once your account will be credited.
You may also log in to your Asteria Dashboard and view anytime your loan details, your next due date ,amount need to pay and your dragon ID as well.

Upon the completion of your repayment to one of the Dragon Pay payment facilities which will be stated on your repayment instruction mail, we will verify your payment thru our payment partners.

To process your re-loan faster we suggest you to login and upload your proof of payment to your existing Asteria account or send the proof of payment via email to [email protected] in the subject field. Please indicate your loan ID

We will contact you by mail to verify that your loan has been repaid.

After each payment you may check  your personal dashboard  under my loan menu.

Should you have any concerns on the status of your repayment, please feel free to contact our collection team at (02) 5318 8000.

You will incur late payment charges and penalty of 5% per month on outstanding scheduled amount due as stated in the repayment instruction that we will be provided after a successful disbursement. We encourage you to pay in advance or in time to have a good credit standing and scoring. In case of late payment we always recommend you to contact our team so we can help you out.

Asteria is an online lender we allow its clients to manage their loans fully online

Dashboard features

  1. Under my loan menu you can view your ongoing loans
  2. You will able to see your dragon id, upcoming due dates ,instalments you need to pay
  3. You may upload documents.
  4. Request Call back.
  5. Request re loan
  6. Extend and Prolong your due dates

Get financing for whatever you need now

Asteria Lending offers the cheapest Online Lending rates in the Philippines.