Cerkal Group Lending Inc. provides fast, flexible financing for individuals, entrepreneurs, and Filipino families. Decisions in 24 hours — no unnecessary barriers.
Whether salaried or self-employed, we have the right product for you.
For tuition, medical emergencies, home improvement, or any personal need your family may have.
Want to renovate or buy property? Unlock the value of your real estate for bigger capital needs.
Grow your business, restock inventory, or invest in new equipment. Designed for SMEs and micro-entrepreneurs.
Buy a new or second-hand vehicle with ease. Get pre-approved before you head to the dealership.
For employees who need funds before payday. Fast processing, credited directly to your account.
For unexpected expenses — hospital bills, funerals, or calamities. Apply now, receive funds within hours.
We combine the speed of digital lending with the trust of a real community lender. Every client gets a real person, not just a portal.
Most decisions completed within 24 hours. Funds released within 1–2 business days of approval.
Your personal loan officer guides you from application all the way until your loan is fully paid.
We tailor the repayment schedule to your income and capacity — no one-size-fits-all approach.
Registered with the SEC. All fees, rates, and terms are clearly disclosed before you sign — no surprises.
Four straightforward steps stand between you and the capital you need.
Complete our secure 5-minute form from any device, anytime.
Our loan officers review your profile and present the best offer suited to you.
Review your personalized offer, ask questions, and sign the agreement online.
Approved funds are sent to your bank account or e-wallet within 1–2 business days.
Adjust the amount, interest rate, and term to see exactly what you'll pay — before you even apply.
* Uses add-on (flat) interest method common in Philippine lending — interest is calculated on the original principal for each period. Actual terms, fees, and rates are subject to credit evaluation. Contact a loan officer for your personalized offer.
I needed capital for my store. I applied in the morning and was approved before lunch. I didn't think it could be that easy. Thank you, Cerkal!
Fast and hassle-free. I applied for an auto loan and the funds were there within two days. My loan officer was always available to answer my questions.
As a new employee, I was worried I wouldn't get approved. Cerkal looks at your whole situation, not just your salary. It truly made a difference.
Join thousands of Filipinos who trust Cerkal Group Lending Inc. to finance what matters most.