• Interest rate (p.a.)

    0.80% - 0.80%

  • Loan Tenure

    0.5 - 0.5 years

  • Approval Duration

    1 working day

  • Min. monthly income


Loan calculator
Loan amount
Loan tenure
Monthly salaryRM0
Interest rate (p.a)


Monthly Repayment


Total Interest Payable₱0
Total Amount Payable₱0
What's so great about Asteria Personal Loan?
  • 0.8% daily interest rate
  • No collateral required
  • Cash available in as fast as 48 hours

Product Features

Min. financing amount₱2,000.00
Max.financing amount ₱20,000.00
Min. loan tenure10 weeks
Max. loan tenure3 months
Interest rate0.8% daily
Approval duration1 working day
Debt consolidationNo

Fees & Charges

One time set up
Processing fee10% of loan amount
Stamp dutyN/A
Disbursement & misc. feeN/A
Early settlementN/A
Late payment charges₱800 plus 1% per day based on loan amount


Age requirementAge 21 - 60
Employment eligibilityRegular employee
Min. salary requirement₱10,000 gross per month
Guarantor / Collateral requirementNo

Other Requirements

Need to open linked banked account?Yes
Other detailsMethod of Payment - cash payment thru 7/11, Bayad Centers, Cebuana, LBC, SM Supermalls, Robinsons Malls

Product Review byiMoney

As an online lending company, Asteria Lending provides quick and convenient loan programs that can cater to your immediate financial needs. Whether it’s for a medical emergency, upcoming lifetime events like weddings or debuts, immediate bill payments, or for memorable trips and tours with the whole family, you can avail of the needed funds without going through a troublesome process. Aiming to provide competitive service, they have one of the cheapest online lending rates in the country today with fast turnaround time of just 48 hours upon application. In terms of payment, get to decide between easy flexible terms from 30 days up to 3 months, ample time for the borrower to pay off the loan once payroll comes in.

Advantages Of Applying With Asteria:

  • Fast application turnaround time.
  • Very low monthly income requirement.
  • No collateral needed.

If you are considering taking a loan from Asteria, below are the details.

Asteria Personal Loan FAQ

Is Asteria lending SEC registered?

Asteria is SEC Registered, their registration Numberi is CS201603853.

How much can I borrow?

With Asteria Personal Loan, borrow from as low as ₱2,000 up to ₱20,000 on your next loan, subject to approval.

What are the Asteria Personal Loan Requirements?

An applicant must fulfill Asteria's eligibility criteria for a loan:

  • Applicant must be between 20-60 years old.
  • Must be a regular employee.
  • At least ₱10,000 monthly income.

Consequently, after filling out an application form, the following documents are necessary:

  • 1 government-issued ID
  • Company ID (front and back)
  • Most recent 1 month payslip
  • Proof of billing (electric or water bill)

*Additional documents may be required during credit evaluation.

How does the Asteria Personal Loan Calculator work?

The Asteria Personal Loan calculator computes the estimated cost of borrowing and amount of payment per installment. Input the desired loan amount to automatically get the estimated monthly amortization for different tenors.

How will I know that my loan request has been accepted or rejected?

You can check the status of your loan application by logging in to your account through their website.

What happens if the approval of my application is delayed?

The status of your loan will remain pending until Asteria has come to a decision.

How do I start my repayment?

You can pay through their DragonPay payment partners, which can be accessed in the following establishments:

  • 7-Eleven (Using Dragonloans)
  • Bayad Center
  • SM Payment Counters (Department Store, Supermarket, Savemore, Hypermarket)
  • Robinsons Department Store and Supermarket
  • Cebuana Lhuillier
  • LBC
  • Landbank ATM

How will you know I've completed my payment?

Your online account will show your previous loan as a completed loan.

What happens if I fail to pay my loan back in time?

You will be charged a late payment fee of ₱800 plus 1% per day based on loan amount and may not be allowed to renew again.

Can I apply for a re-loan?

You can reloan after you've fully paid your previous loan given that you've paid promptly or on time. Asteria might prohibit your from renewing your loan if you've established a pattern of late payments in your previous loan.

What is Dashboard?

This is the home page of your online account in their website.

Is Asteria Personal Loan the right one for me?

Asteria Lending is a financial services provider based in Makati and fully licensed by the SEC. Being in the lending industry for the past couple of years, they have been able to garner quite a following among those who are in need of immediate funds. Approval is quick which only takes between 1-2 work days and you can borrow amounts from as low as ₱2,000 up to ₱20,000. Repayment is short and flexible starting from 1-3 months and you will be eligible for a loan if you earning a minimum of just ₱10,000 a month. So for any urgent need that you may have, if you are in the market for a fast cash loan and short payment duration, Asteria is one of the options that you can definitely consider.

Looking for better options? Make sure that you consider the following alternatives below and compare different products that will fit your needs:

Cashwagon Cash Loan

Belonging to the segment that caters to short-term, easy approval loans, Cashwagon Cash Loan offers immediate funds without the need for any collateral. Coupled with a low monthly income requirement of just ₱6,000, you can borrow from ₱7,000 up to a maximum amount of ₱20,000 if you are 20 to 60 years of age. With a simplified application process, a fast turnaround time is offered and you’re expected to receive the funds in as quick as 1-2 days. You are required to pay in maximum of 30 days with an interest rate of up to 40% of the approved loan.

RFC Personal Loan

If you are running a bit short on cash with payday still a long way ahead, then it would be prudent to apply for a short-term loan to keep your head above water until your payroll comes in. Enter RFC Personal Loan, an easy approval, quick cash loan that can assist with your urgent financial situation. Borrow from as low as ₱5,000 up to a maximum of ₱50,000 with an interest rate of 3.5% per month. You can pay from 3 months up to 1 year with fast approval times of just 3 to 5 working days. To apply, you have to be 21 to 64 years old with a low monthly income of only ₱7,000. No collateral or credit card required.

Chinatrust Salary Stretch Personal Loan

Whenever there are unexpected circumstances involving unforeseen expenses, it usually puts a strain on your cash flow and if stretching your salary isn’t enough, the next best option is to avail a salary loan. With CTBC Bank Salary Stretch Loan, you can resolve your financial difficulties by borrowing from as low as ₱20,000 up to ₱1,000,000 for whatever purpose it may serve. Payable in 1 to 3 years, the interest rate ranges from 29.48% to 44.47% with 1.39% monthly add-on. You can apply if you are currently employed or self-employed, with ₱15,000 monthly income for Metro Manila-based applicants and ₱10,000 from provincial-based applicants. Open to applicants from 23 to 60 years of age.

The options listed above are products that you can highly consider based on the product that you initially looked into. If you are still in the search for something better, you can search our full list of short-term online loans and compare details to guide you on getting the right product for your needs.