Loan App Requirements in the Philippines: The Full Checklist

Contents

• The comparison table: what each app asks for
• The three honest patterns
• The requirements that never appear in ads
• How to use this table
• FAQ
• The government alternative
• The bottom line
• Sources

Loan app requirements in the Philippines look simple in the ads — "1 valid ID, no collateral" — and get complicated in the fine print, where minimum ages run from 18 to 22 and document lists range from one ID to four documents including bank statements. This guide compares the published requirements across every registered app we track, verified September 16, 2026, and flags the contradictions worth knowing before you apply.

The comparison table: what each app asks for

The three honest patterns

Age is the first gate, and it varies by six years. Cashalo, BillEase, Moca Moca, and Happy Cash open at 18. Kviku, VPlus, and Plentina start at 21. MoneyCat's website says 22-60 while its own T&C say 18+. If you are 19 or 20, half the market is closed to you by rule, so check age before anything else.

"One valid ID" is usually true, until the document list appears. Most apps confirm with a single government ID. The exceptions: BillEase wants income and billing proof on top; MoneyCat's site lists four documents while its mobile page claims one; Home Credit publishes Primary and Secondary ID lists on its site. The requirement that decides is the one in the app, so screenshot it.

Income rules run from "stable income" to "no proof". Moca Moca explicitly skips income proof; BillEase asks for documents; MoneyCat manages to both list income documents and claim no confirmation is needed. Unpublished income rules (Home Credit, Mabilis Cash, PesoLoan) mean the approval bar is invisible until you apply.

The requirements that never appear in ads

Four quiet requirements trip people up. Citizenship: most apps require Filipino citizenship, and some require residence in the Philippines. An active mobile number: registration runs through it, and Kviku adds a wallet or bank account under your name. The selfie: Happy Cash runs face recognition, Plentina wants a dated paper in the shot, and HoneyLoan pairs the ID with a selfie. All anti-fraud, all sending your data through the app's flow, so use official channels only. And credit standing: Finbro's terms mention it, Cashalo requires "good credit standing", and repeat limits grow by review.

How to use this table

Three moves. Match the age gate first; there is no point comparing rates on an app that cannot accept you. Prepare the ID your target app names — our valid IDs accepted page lists every type published by the lenders we track. Then apply inside the official app only. Screenshot the requirement screen before filling it; the checklist habit is the same one our hidden fees guide teaches for pricing.

Frequently asked questions

What do I need to get approved on a loan app?

The common core: Filipino citizenship, the app's minimum age (18 to 22), one valid government ID, and an active mobile number. Income requirements vary from "stable income" declared to documents demanded — MoneyCat's site lists four documents, while Moca Moca requires income without proof.

How old do you have to be for a loan app?

Eighteen at the most permissive apps (Cashalo, BillEase, Moca Moca, Happy Cash) and 22 at MoneyCat's strictest reading. Kviku, VPlus, and Plentina start at 21. Every age here is the lender's own published number.

Can I get a loan with just one valid ID?

Mostly yes: 12 of the apps we track confirm identity with one government ID. The exceptions are BillEase (income and billing proof added) and MoneyCat (four documents listed on its site, one claimed on mobile). No collateral is required anywhere in our tables.

What IDs do loan apps accept?

Government-issued IDs, and the named lists are consistent: SSS, UMID, driver's license, passport, TIN, Postal ID, and the National ID (PhilSys). The full breakdown is on our valid IDs page.

The government alternative

One more door sits outside the loan app market entirely. The Pag-IBIG Multi-Purpose Loan prices at 1.4583% monthly for members with qualifying contributions, and the SSS salary loan runs at 8% a year — both cheaper than every app ceiling in this table, both gated by membership instead of credit assessment. Check whether the government route fits before paying app rates.

The bottom line for borrowers

Requirements are the cheapest filter in this market: one valid ID gets most applications started, age decides the rest, and the document lists are published by the lenders who want you to succeed. Match the gate, prepare the ID, apply officially, and screenshot everything. Registry verification for every app in this table is on our SEC registered lending apps list.

Sources used for this review

• Each linked review and its product-facts citations (verified September 16, 2026)
• finbro.ph/faq, kvikuloan.ph, juanhand.com: published ID lists
• moneycat.ph terms and mobile page (age and document contradictions noted)