Loanonline.ph is not a loan provider and does not issue loans from its own account. Loanonline.ph 's service helps to evaluate verified/trusted lenders in real time with diversified financial products, flexible repayment from 91 to 180 days with minimum APR interest rate of 0% and up to 427%. For example, you apply for PHP 20,000 and choose repayment over 6 months, your monthly payment will be only PHP 5,000 per month, your total cost of the loan will be PHP 2,383 per month (APR = 143%). Loanonline.ph will not charge for using our service. The exact cost of each loan depends on the individual application. You will always receive complete accurate information about the APR and all fees before signing a loan agreement.