Free to you — see an indicative cost before you apply
Aprubado is a free loan-matching service: you pay us nothing. The loan itself is priced by the SEC-licensed partner lender you are matched with. Slide below for an indicative cost of credit for any amount and term — your matched lender confirms the exact pricing and discloses every peso in the loan agreement before you sign.
Representative example only. Aprubado charges borrowers nothing. Actual interest and any fees are set and disclosed by your matched SEC-licensed partner lender in the loan agreement before signing. Subject to caps under BSP MC 1133 s.2021 (6% nominal interest/month, 15% effective monthly interest rate, 100% total cost of credit) and SEC MC 19 s.2019 disclosure rules.
Free for borrowers — paid by lenders
Using Aprubado costs you nothing. We are paid a referral/marketing fee by the SEC-licensed partner lender when a match becomes a funded loan. You never pay Aprubado for any of the following:
Creating an application
Free. No fee to apply or get matched.
Lender matching
Free. We match you to one or more partner lenders at no cost to you.
Credit assessment
Free. Whether the lender approves or denies, the check costs you nothing.
Comparing options
Free. See indicative costs across the panel before you commit.
Customer support
Free. Email and chat with the Aprubado team included.
Re-matching
Free. If one lender declines, we can route you to another partner.
Statement requests
Free from Aprubado. Loan statements come from your matched lender.
Switching lenders
Free to request a new match before you sign any loan agreement.
Does our fee raise your cost?
No. The referral fee a partner lender pays Aprubado comes out of the lender's own marketing budget, not out of your loan. Your cost of credit is set by the lender and is bounded by BSP regulation — nominal monthly interest capped at 6%, effective monthly interest rate at 15%, and total cost of credit at 100% of principal for qualifying loans. Late-payment penalties, where they apply, are also capped by BSP rules and disclosed by your lender. Because we are paid by lenders and not by you, we have no reason to hide the cost — every peso is shown by your matched lender before you sign.
Ready to get matched — free — with pricing in hand?
Up to ₱25,000 · fast decision · SEC-licensed partner lenders only
Get matched now →