Reviews
Emergency & Quick Loans Updated: 14. 04. 2026

Asteria Lending – review 2026

4,0 / 5

Asteria Lending is a SEC-registered quick-cash lender in the Philippines offering emergency loans from PHP 2,000 to PHP 20,000 at monthly rates of 9.00% to 11.90%, with same-day disbursement via GCash or direct bank transfer for approved borrowers. The company uses a digital credit scoring model that considers applicant employment status, device data and repayment history on the platform to set initial credit limits. Returning borrowers who repay on time are eligible for increased loan limits on subsequent applications.

Pros

  • Same-day fund disbursement
  • Rate starts at 9.00% monthly – lower than some competitors
  • Credit limit increases with good repayment history
  • SEC-registered and listed on SEC OLP registry
  • Simple digital application process

Cons

  • Monthly rates still significantly higher than bank products
  • Maximum PHP 20,000
  • Short terms up to 3 months only
  • Late fees and penalties can increase total cost substantially
  • Initial credit limit may be lower than the requested amount

Requirements

  • Filipino citizen aged 22-65
  • Valid government-issued ID
  • Active Philippine mobile number
  • GCash wallet or bank account for disbursement
  • Selfie for identity verification

Company information

Name
Asteria Lending Inc.
Address
Metro Manila, Philippines
Web

Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.