Binixo review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Binixo is a Philippine loan broker that suits adults with poor credit who need a small personal or payday loan fast. Comparing offers, submitting a request and getting connected to lending partners cost nothing, and a response comes in Response in 15 minutes, money in your account the same day.

Key facts

Best for
Adults in the Philippines with poor credit who want a broker to find them a personal or payday loan.
APR
4% to 916% (Source, checked September 26, 2026)
Loan amount
₱1,000 to ₱50,000 (Source, checked September 26, 2026)
Term
91 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 PHP - free for users; no charge for comparing offers, submitting a request, or being connected with lending partners (Source, checked September 26, 2026)
Credit check
None (Source, checked September 26, 2026)
Funding time
Response in 15 minutes, money in your account the same day (Source, checked September 26, 2026)
Representative example
Loan PHP 1,000, 3 months, 48% annual interest, total to pay PHP 1,120 (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Minimum age 18 years; Filipino citizenship with valid government ID (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
INFINSA LTD (Source, checked September 26, 2026)
Headquarters
Cyprus (Source, checked September 26, 2026)
Founded
2025 (Source, checked September 26, 2026)
Support channels
Email (Source, checked September 26, 2026)
Features
Same-day funding
Official website
binixo.ph

Pros and cons

Pros

  • Comparing offers, sending a request and being connected to lending partners is free
  • No credit check, so a poor credit history does not rule out a match
  • Personal and payday loans up to PHP 1,000 to PHP 50,000 with terms of 91 to 120
  • Response in 15 minutes, money in your account the same day

Cons

  • APR runs as high as 4% to 916%, so the cheapest offers sit well below the top of the range
  • Binixo is a broker, so the lender and the rate are only known after you are matched
  • Support runs on email only
Binixo

Ready to try Binixo?

Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Adults with poor credit who would fail a standard credit check
  • Borrowers who want a small personal loan or payday loan rather than a large one
  • People who want a same-day response without paying a fee to compare offers

Who should look elsewhere

  • Borrowers who want a direct lender deal with a rate they can see up front
  • Anyone needing phone or chat support, since support runs on email only
  • Readers who want the lowest possible cost, since APR reaches 4% to 916%

How Binixo compares

Where Binixo is available

Available
Philippines

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Does Binixo charge a fee?+

No. Comparing offers, submitting a request and being connected with lending partners is free for users. The arrangement fee is free, so nothing is taken for using the matching service. Any interest is set by the partner lender you are matched with, since Binixo operates as a broker.

What is the APR on Binixo loans?+

The published APR runs to 4% to 916%, a wide spread that reflects the range of partner lenders. The lower end is well below the site median of 12%. The exact rate depends on the lender you are connected with, not on Binixo itself.

How much can I borrow?+

Personal and payday loans run from PHP 1,000 to PHP 50,000. That covers small bridging needs as well as larger personal loans. Terms run for 91 to 120, so a request can be shaped around a longer repayment period.

Does Binixo run a credit check?+

Binixo lists no credit check, which is why it appears in bad credit loans. Because it is a broker, a partner lender may still apply its own checks before approving. Nothing is committed until a lender agrees the offer.

Who can apply to Binixo?+

Applicants must be adults at a minimum age, and hold Filipino citizenship with a valid government ID. The service is built around Philippine borrowers and loans in Philippine pesos, covering personal and payday.

How long does funding take?+

Funding is same day once a lender agrees, and the published timing is Response in 15 minutes, money in your account the same day. Binixo is a broker, so the response and the payout sit with the partner lender rather than with Binixo.

What kind of loans does Binixo arrange?+

Binixo covers two loan types: personal loans and payday loans. Personal loans suit larger, longer borrowing, while payday loans suit short bridging amounts. Debt consolidation and credit lines are not part of the range.

How do I get help from Binixo?+

Support runs on email, which means email is the channel to use. There is no phone or chat support listed, so any question about a live application should go in writing to keep a record.

Sources

  • binixo.ph checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Features, Funding time, Loan types, Arrangement fee, Representative example, Term

    “Amount - PHP 1,000 - PHP 50,000”

  • binixo.ph/contactos checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Support channels

    “Foundation year 2025”

  • binixo.ph/terms-and-conditions checked September 26, 2026

    Backs: Lender type

    “We provide services for comparing loan offers online”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Binixo

Binixo

Adults in the Philippines with poor credit who want a broker to find them a personal or payday loan.

8.8/10See alternatives

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