Cherry De Vega, Bookkeeping and Compliance ReviewerReviewed by Cherry De Vega, Bookkeeping and Compliance Reviewer

Loan apps with no payslip required

8 apps on the SEC list say one valid ID is all the paperwork you need or that no proof of income is required; Vplus costs the least of them on ₱5,000 over 120 days.

Apps that ask for no payslip:
8.
in their own Google Play listing or website.
Still ask for some income:
5.
a stable income or job, without a payslip.
Priced for ₱5,000, 120 days:
7.
Lowest cost:
₱300.
Vplus, interest and fees.

Lowest cost on ₱5,000, 120 days: Vplus ₱300, HappyPera2 ₱395, Loanova ₱480

SEC list of recorded online lending platforms, Sep 29, 2026; Each app's Google Play listing or website.

What each app asks for

8 apps
AppIn their wordsRequirements₱5,000, 120 days
VplusLending company · CA No. 3158₱1,000 to ₱50,000, 91 to 180 daysOfficial Google Play listingall you need is a mobile number, a valid ID, and be at least 21 years old
  • Mobile number
  • Valid ID
  • At least 21 years old
₱300total cost, at most
HappyPera2Lending company · CA No. 2940₱1,000 to ₱100,000, 91 to 360 daysOfficial Google Play listingAll you need is one valid government-issued IDDownside: skip it if you have no regular income: it asks for "steady source of income".
  • Filipino citizen, 18 years old and above
  • Valid government ID
  • Steady source of income
₱395total cost, at most
LoanovaLending company · CA No. L-24-0801-50₱4,000 to ₱100,000, 91 to 365 daysOfficial Google Play listingA government ID is all the documentation you need.Downside: skip it if you have no regular income: it asks for "active phone number and regular income".
  • Filipino living in the Philippines
  • Aged 18 to 60
  • Valid government photo ID
  • Active phone number and regular income
₱480total cost, at most
Prima LoanLending company · CA No. 2917₱1,000 to ₱35,000, 91 to 365 daysOfficial Google Play listingOnly 1 ID.Downside: skip it if you have no regular income: it asks for "job or self-employment".
  • Filipino citizen, 18 or older
  • One ID
  • Job or self-employment
  • Bank account or e-wallet
₱570total cost, at most
SnaPeraLending company · CA No. 3118₱1,000 to ₱50,000, 91 to 120 daysOfficial Google Play listingApply online with 1 valid ID + mobile numberDownside: skip it if you need more than 120 days to repay.
  • One valid ID
  • Mobile number
₱600total cost, at most
PitacashFinancing company · CA No. 1200₱1,000 to ₱25,000, 120 to 180 daysOfficial Google Play listingRequirements: Only (1) one Valid IDDownside: skip it if you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
  • One valid ID
  • Filipino living in the Philippines
  • Has an income: employed, business owner or self-employed
  • Aged 21 to 70
₱1,350total cost, at most
TalaFinancing company · CA No. 1132Up to ₱25,000, Up to 120 daysOfficial Google Play listingNo income proof needed. Only 1 valid ID is needed.Downside: skip it if you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
  • Resident citizen of the Philippines, 18 or older
  • At least one valid ID
  • Mobile number
₱3,080total cost, at most
Direct LoanFinancing company · CA No. F-21-0010-64₱1,000 to ₱40,000, 180 to 360 daysOfficial Google Play listingEasy Application: Just 1 valid IDDownside: skip it if you want a loan shorter than 180 days.
  • Employee of a partner company in the Philippines
  • 18 years old or above
  • One valid ID
Does not lend this exact loan

Requirements as each lender publishes them. Each app's page links the listing.

Before you apply

  • No payslip is not no check. 5 of these apps still say you should have an income or a job, and every loan goes through the lender's own credit assessment.
  • First loans can start small. Some of these apps say your first limit is low and rises as you repay on time, so the maximum amount is not what a new borrower should expect.
  • Keep your contacts private. Google Play bars personal loan apps from reading your contacts. If an app asks for that permission, decline it and pick another lender.

Before you accept any of these loans

  1. Get the Disclosure Statement first. Under RA 3765, the Truth in Lending Act, Sec. 4, it must show the total amount to be financed; the finance charge in pesos and centavos; the finance charge as a simple annual rate on the unpaid balance. Interest and every processing or service fee count in the finance charge. If one is missing, the lender owes you ₱100 or twice the finance charge, up to ₱2,000, claimable within one year (Sec. 6(a)).
  2. Know the late-payment cap. On loans up to ₱10,000 and four months, the penalty is capped at 5% a month on the amount due, and interest, fees and penalties together cannot pass the amount you borrowed (SEC MC No. 14 s.2025, Sec. 3, effective Apr 1, 2026).
  3. Report a charge above the cap to the SEC on hotline 14732 or the SEC iMessage portal.

If your app is not on any list here, search the SEC list of recorded lending apps or the list of apps the SEC has named as illegal. Of the 110 Google Play and App Store listings the SEC printed in its advisories, 110 now show no app, and 17 of the 34 websites it named still load. The SEC named 28 apps in more than one document, some under a new name, so match the company and Certificate of Authority number, not the app name.

This list quotes each app's published requirements; an app can still ask for more during its credit check. For a dispute over a loan, contact the lender, then the SEC.

Questions

Which loan apps do not require a payslip?

8 apps on the SEC list say in their own listing that one valid ID is the only document you need, or that no proof of income is required: Vplus, HappyPera2, Loanova, Prima Loan, SnaPera, Pitacash, Tala, Direct Loan.

Can I get a loan app loan with just one valid ID?

You can apply with one ID at these 8 apps. Approval still depends on each lender's credit check, and the amount you are offered may start low and rise as you repay on time.

Do these apps still check my income?

5 of the 8 still say you should have an income or a job; they just do not ask for a payslip to prove it. The table shows each app's requirements as it publishes them.

About this list

Each requirement line is quoted from the app's own Google Play listing or website. Apps are ranked by the most a ₱5,000 loan over 120 days could cost. No lender pays to appear here or to change its position.