• Interest rate (p.a.)

    18.00% - 18.00%

  • Loan Tenure

    0.5 - 1 years

  • Approval Duration

    3-5 working days

  • Min. monthly income



Apply for a FundKo Personal Loan and get approved as much as ₱250,000.

Loan calculator
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What's so great about FundKo Personal Loan?
  • Flexible payment terms from 3, 6, 9 up to 12 months
  • No credit card or collateral required

Product Features

Min. financing amount₱15,000.00
Max.financing amount ₱250,000
Min. loan tenure3 months
Max. loan tenure12 months
Interest rate1.5% to 3% per month
Approval duration3-5 working days
Debt consolidationNo

Fees & Charges

One time set up
Processing fee6% of the principal loan amount
Stamp dutyN/A
Disbursement & misc. feeN/A
Early settlementN/A
Late payment charges6% per month


Age requirementAge 20 - 65
Employment eligibilityRegular employee of a registered corporation in the Philippines
Min. salary requirement₱20,000 gross per month
Guarantor / Collateral requirementNo

Other Requirements

Need to open linked banked account?No
Other detailsPost-dated check (if the borrower has no existing checking account, FundKo can endorse the client to Eastwest Greenhills branch)

Product Review byiMoney

FundKo is an online crowdfunding site that matches the borrower and the lender directly through their portal. By going direct to consumers, it minimizes the process resulting in better rates for borrowers and higher interest for lenders. With the goal of connecting those who are in need of funds to those who have excess, it promotes a sense of community that addresses both party’s needs. FundKo which is a subsidiary of Guevent Investments Development Corporation (GIDC) has been operating for over 50 years with expertise in financing, transportation, and real estate, will be in charge of credit and background checks, verification of documents and contracts, up to collection and repayment management. All done in a secure, confidential, and timely manner.

Advantages Of Applying With FundKo:

  • No credit card or collateral needed.
  • 18% interest rate per annum.
  • Flexible loan tenure of 3, 6, 9, up to 12 months.
  • Fast processing time in just 3 - 5 days.

For more info, check out the rest of the details below.

FundKo Personal Loan FAQ

How much can I borrow?

With a FundKo Personal Loan, you may borrow from as low as ₱15,000 to as much as ₱250,000.

What are the FundKo Personal Loan Requirements?

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

  • Applicant must be a regular employee.
  • Must be at least 20-65 years old.
  • Must be residing or working in these areas: NCR, Cavite, Laguna, Batangas, Rizal, Davao City, Lucena, Pampanga, Bulacan.
  • Minimum net monthly pay of at least ₱20,000.

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

  • 1 month latest payslips/Certificate of Employment, whichever is readily available.
  • Latest Proof of billing under the borrower's name.
  • 2 government IDs with date of birth.

*Additional documents may be requested prior to loan release.

How does the FundKo Personal Loan Calculator work?

The FundKo 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.

Is Fundko Personal Loan the right one for me?

With numerous online loan providers in the market right now, selecting a reputable and reliable product can be quite a challenge. FundKo personal loan offers an alternative option that bridges those in need of funds and those who are willing to lend. This presents a win-win situation for both parties while infusing a sense of community among borrowers and lenders. If the loan amount you are looking for is not that high and urgency is of utmost importance, with FundKo’s fast approval duration, flexible loan tenure, and competitive interest rate, then it would be worth considering as a primary option for you.

Still not the right fit? You can browse around with the options listed below which have similar features based on your requirement:

Cashwagon Cash Loan

With the current trend of fast approval, short-term personal loans, Cashwagon Cash Loan offers immediate funds without any collateral requirement. It offers an easy application having a low monthly income requirement of just ₱6,000. Ideal for urgent cash needs, you can borrow from a minimum of ₱7,000 up to ₱20,000 as long as you are 20 to 60 years of age. Application process is a breeze with a quick turnaround time that lets you receive the funds in just 1-2 days. You are required to pay until 30 days with an interest rate of up to 40% of the approved loan.

Asteria Personal Loan

Having extra is always ideal but when confronted with unforeseen circumstances, do you have readily available options to avail immediate funding? Asteria Lending does just that, with a personal loan that can help you address the financial urgency of your situation. For whatever the need, be it bills that have piled up, or unpredictable medical emergencies, you can rely on Asteria to provide for your cash needs. Borrow from ₱2,000 to ₱20,000 with approval in as fast as 48 hours. Along with a low 0.8% daily interest rate, you can pay up to 3 months with no collateral requirement.

South Asialink Credit Corporation Salary Loan

Still waiting for payday and already running low on cash? Why not consider applying for a short-term loan just to keep you on point with your upcoming expenses? With South Asialink Credit Corporation Salary Loan, you can easily apply and avail of a quick cash loan that can address your temporary financial predicament. Borrow from a minimum of ₱15,000 up to a maximum amount of ₱250,000 with an interest rate of 3% per month. Payment is flexible that goes from 6 months up to 1 year with fast processing period of 1 to 3 working days. You don’t have to be a credit cardholder to apply, but you have to be 21 to 59 years old with a monthly income of at least ₱50,000.

There are still the conventional personal loans for those looking at higher loan amounts and longer payment tenure if you are not too keen on applying for fast, short-term cash loans. For our full list, you can take a look at our low interest online loans available on our site while you compare their features and best rates before applying.