How to Apply 123 Finance Group Cash Loan

123 Finance Group offers a wide range of cash solutions for individuals and businesses. You can Get a salary loan of up to 100,000 pesos with fewer requirements and no collateral. Get the lowest interest rate and approval in record time by applying online. With positive feedback from customers flooding in daily, it’s no wonder 123 lending is one of the most popular financial loan services.

Also Read: How to Apply ACOM Cash Loan Online

Their consumer loans are designed to help you manage your finances and make the most of your life. They provide flexible repayment options and competitive rates that fit within any budget. With 1 2 3 Finance Group loans, you can get the cash you need without breaking the bank. Their online application process is fast and easy with no hidden fees or catches.

Register by providing your phone number and a valid government ID. You will gain full platform access upon completing registration with a working phone number. 1 2 3 Finance Group offers two types of loans.


A loan from 10,000 to 100,000 pesos is available to employees with a co-founder and permanent employment. Flexible terms ranging from 3 to 12 months.

  • OFW loan

If you are a family member of an OFW, you can avail of this loan. The amount you can borrow will depend on the monthly allotment and contract of the OFW.

You may go ahead and click on this link to be able to fill out the online form:

123 finance group loan philippines

What is 123 Finance?

123 Finance Group is a Cebu-based financial services company that provides customers with access to a range of products and services such as loans, investments, insurance, and more. The company offers its services through a network of customer service representatives located throughout the country. With offices in Manila and Cebu City, 123 Finance Group aims to make financial services accessible to everyone in the Philippines.

123 Finance Group’s Mission and Goals


Their mission is to Quickly, Easy, and Friendly loan services to their clients. They find solutions that satisfy both their customers’ requirements and the company’s obligations in a professional and supportive environment.


Their goal is to be recognized as the best lender in the Philippines. They strive to provide the friendliest, easiest lending service for our clients at rates that are both affordable and reasonable. They also strive to be recognized as a great employer by offering higher wages, better benefits, and a positive and respectful working environment. They will continue to extend their lending and finance products and services to other locations to broaden their nationwide reach.

What is the 123 Finance Loan?

The Philippine loan offered by 123 Finance Group is a flexible financing solution that gives customers access to money quickly and easily. The loan offers competitive interest rates and flexible repayment options. Customers can apply for loans up to PHP 100,000 with no collateral, and can receive their funds within 24 hours of approval. 


  • A government-issued ID, such as a passport, driver’s license or TIN ID is needed.
  • To qualify, you must have a gross monthly income of at least ₱10,000
  • You must be a Filipino citizen.
  • Are at least 21 years old
  • Have proof of stable income



  • 2 pcs. 1×1 or 2×2 recent ID photo (company or government-issued)
  • Certificate of employment indicating the length of service and compensation scheme OR Business registration papers and ITR for self-employed applicants
  • Copies of bank statements for the past 3 months
  • Residence certificate or any proof of billing under your name
  • Disclaimer: There is a need for a co-maker. The co-maker also needs requirements.
  • Applicant
  •  Proof of Billing (Permanent and Present Address)at least 3 mos. old
  •   2 Valid IDs (1 Government Issued & 1 Company ID)
  •   Contract/COE (photocopy)
  •   2 Latest Consecutive Payslips
  •   Payroll ATM (with account number)
  •   Tax Identification Number(TIN) or SSS number


  •   Proof of Billing (Permanent and Present Address)at least 3 mos. old
  •   Tax Identification Number(TIN) or SSS number
  •   Birth Certificate (if single)
  •   Marriage Certificate (if married)

Valid IDs for Loan Application

Here is the list of valid IDs:

  • NBI Clearance- This is an essential document that proves you are not involved in any criminal activity in the country and therefore can be cleared for several applications.
  • Voters ID- also known as the Electors Photo Identity Card
  • OFW ID- a document that proves you’re a member of the OWWA.
  • Police Clearance- A police certificate is an official document issued as a result of a background check by the police or government agency of a country to enumerate any criminal records that the applicant may have.
  • Phil Health Card- a paper ID that you can use when claiming inpatient or outpatient hospital benefits.
  •  Seaman’s Book – A Seaman Book is a continuous record of a seaman’s service.
  •  Company ID- An ID where you officially work
  •  Driver’s License- An official document or card that says that you are legally allowed to drive
  •  Passport- an official document issued by a government, certifying the holder’s identity and citizenship and entitling them to travel under its protection to and from foreign countries.
  •  Barangay Certification-This document certifies that you are a good resident in the barangay and have a good moral character.
  •  SSS Card- This card has your Social security number
  •  PRC ID- This means you are given ID for proof of your professional level.
  •  Postal ID – The Postal ID is an identity card issued by the state-owned Philippine Postal Corporation
  •  OWWA ID- The ID is a document that proves you’re authorized by the OWWA.
  •  GSIS Card- serves as the official GSIS identification card which allows pensioners to transact with GSIS

Step by Step in Getting a Loan from 1 2 3 Finance Group application

  1. You need to fill out their application form online. or you can visit the nearest branch in your area and speak to one of their friendly loan staff. Visit the website here –
  2. Submit all the necessary documents. Most loans can be approved within the day upon completing and submitting all the necessary documents.
  3. Is to wait for a text message or a phone call on when the loan is disbursed.

Tips to Improve Your Credit Score

Show more income- More earnings could help you land a bigger loan, but that doesn’t mean you have to get a much higher-paying job or snag a raise. In addition to salary or wages, you might be able to use other sources of reliable income to qualify.

Pay off other debt- When you apply for a mortgage, the lender looks at your hence background check. Paying off a credit card or instalment loan can make a huge difference

Raise your credit score – A higher credit score helps you obtain not only a lower interest rate but also a slightly larger loan, in many cases.

Get more than one quote- It’s always a good idea to get multiple rate quotes and loan offers. If you have multiple offers, you can go back to the lender who preapproved you for a smaller amount and ask if they’ll raise the limit. This could help you get a larger mortgage at a lower cost.

Frequently Asked Questions

1. What is the age to be eligible to get a loan at 123 Finance?

Filipino adults aged 18-65 years old.

2. How exactly do you protect my data?

123 Lending values your privacy and works hard to keep your data safe. Your personal information is only used for credit processing and is transmitted through a secure channel. They will never share your information with any other companies, except in specific legal cases.

3. How much money can I borrow?

This could be up to PHP 100,000; however, your final amount would depend on the outcome of your credit evaluation.

4. Do I need a Co-maker/ Collateral?

Yes, he or she will need to submit additional documents.

5. How will I know if my Cash Loan application is approved?

Within 30 minutes of submitting your application documents and requirements, you will receive an SMS notification.

6. How do I pay for my amortization?

Depending on the type of loan you have, there are various ways that you can pay it off. You may be able to do so through any of our partner payment centres listed below:

  • 7 ELEVEN
  • Bayad Center
  • Cebuana Lhullier
  • RD Pawnshop
  • LBC
  • MLHuillier
  • Palawan Pawnshop

7. What is the minimum / maximum cash loan term I can avail of?

Depending on the company’s offer, the cash loan you’re approved for can be between 18 and 36 months.

8. What is the minimum / maximum Cash Loan amount?

The minimum loan amount is 10,000 PHP. The maximum will be based on the offer given to you by our team.

9. How to contact 1 2 3 Finance Group?

They are currently located at

ABC Finance, GMC Plaza, M.J. Cuenco Avenue, Legaspi Ext., Cebu City, 6000 Cebu

Landline: (032) 2540629

Mobile number:
0945-521-0034 (Globe)
0923-322-8838 (Sun)
0956-942-6364 (Globe)
0943-482-1104 (Sun)

You may also like to visit their Facebook page here –

10. How can I pay my loan?

They accept repayments Thru banks and Cebuana Lhuiller.

Pay your loan at any CEBUANA LHUILLIER bills payment. Simply fill up the Payment Form as in the example:

  • Transaction Type: Payment
  • Sender: OFW/Client’s name
  • Control Number: Client’s AS, BAT, BF, CDO, DVO, FIN, ILO or OW number
  • Mobile Number: Your number

Pay your loan at any EASTWEST bill payment. Simply fill up the Payment Form as in the example:

  • Payor’s Name: OFW/Client’s name
  • Payment For: 123 Finance Corporation
  • Subscriber Acct. No./Borrower PN No.: Client’s AS, BAT, BF, CDO, DVO, FIN, ILO or OW number

Pay your loan at any BDO – BILLS PAYMENT (OVER THE COUNTER). Simply fill up the Payment Form as in the example:

  • Company Name: 1 2 3 Finance Corporation
  • Institution Code: 1460
  • Subscriber’s Name: OFW/Client’s name
  • Subscriber’s Account No.: Client’s AS, BAT, BF, CDO, DVO, FIN, ILO or OW number

For your mobile number, kindly just input any space available in the slip

They also accept check payments:

You may transfer funds into your bank account so that your checks will be cleared.

Your bank details are on your Payments Guide Information.

IMPORTANT: Make sure your funds arrive on time. There will be bank charges of P 2,200 for a ‘bounced’ check.


123 Finance is a Filipino-based lending company that offers cash loans to adults aged 18-65 years old. They strive to provide their customers with the best possible service while keeping their data safe and secure. Depending on the outcome of a credit evaluation, loan amounts can range from PHP 10,000 up to PHP 100,000. Co-makers/collaterals may be necessary in some cases. Once an application has been submitted, customers will receive an SMS notification within 30 minutes if approved.

Loan payment options include banks and payment centres such as 7 Eleven, Bayad Centre, Cebuana Lhullier and more. The minimum term for a cash loan is 18 months and the maximum is 36 months. Borrowers may also contact 123 Finance Group through email or phone for more information or to make payments via check transfer. Finally, borrowers should be aware that bank charges of PHP 2200 will be incurred for bounced checks so make sure funds arrive on time!

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