First Circle in the Philippines

SME lending company to meet higher customer requirements. Not engaged in consumer loans, such as personal, housing or car loans.

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First Circle
7th Floor Net One Center, 3rd Avenue corner 26th Street, Bonifacio Global City, Taguig, Philippines
(+632) 8 580 3200,
Interest rate 1.74% - 3.49%
Loan tenure from 1 to 6 months
Approval duration Up to 120 hours
Min. monthly income1

About company

First Circle is a leading lending organization in the field of financial technology in the Philippines. This company provides fast loans to customers who do not have access to traditional bank loans. First Circle services allow you to count on quickly overcoming any financial difficulties and small business development. One of the main advantages of this company is the fast processing of the application and the absence of a huge list of requirements for potential borrowers.

First Circle is a provider of non-bank financing for small and medium-sized businesses operating in the Internet space. This company works in four main areas:

  • Microloan. This service is intended for lending to small and medium-sized companies that do not have enough working capital for full operation. The amount and repayment terms of a microloan are determined individually.
  • Urgent consumer loan. This service is relevant for citizens of the Philippines who have circumstances that necessitate the prompt receipt of a certain amount.
  • POS-loan. This financial product was created specifically for trading companies that use POS-terminals for settlement with customers. Under the terms of this service, the loan is returned automatically by withdrawing a small interest of each payment into the borrower’s account.
  • Sale of an account. This financial product allows you to quickly and easily repay receivables, and also frees the “frozen” long-term working capital, which can be used for business development.

SME business loan

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Interest Rates:  From 1.74% per month
Minimum loan amount: 10 000 PHP
Maximum loan amount: 10 000 000 PHP
Payment terms: Up to 6 months
Processing fee: 1.99% of the loan amount
Approval time: within 5 banking days

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Business info requirements

Proof of Billing Address
– Only utility bills dated within the last two (2) months can be accepted.
– Your declared address and other information should match with other Business Documents.
DTI or SEC Certificate
Watermark should be clearly visible.
Certification should be in the last 5 years.
SEC Certificate for Corporations
– Dry seal should be clearly visible.
– For Partnerships, please submit your updated Article of Partnership together with your SEC Certificate.
– Your declared address and other information should match with other Business Documents.
BIR Certificate of Registration Form 2303
General Information Sheet For corporations only.


Loan Calculator

Monthly payment
₱ 888.49
Total overpayment
₱ 661.85
₱ 10661.85

How to get a loan in the company

In order to draw up a loan at First Circle, you need first to go to the official website of this company. Then the potential borrower should choose the amount and term of the loan. After that, you need to click the “Submit an application” button. A form will open in a new panel that the borrower needs to fill out. After that, it remains only to agree with the terms of lending and wait for a response from the representatives of First Circle.

Before you try to draw up a loan in this company, you should check yourself for compliance with the terms of loan in First Circle. First, this company lends exclusively to citizens of the Philippines. Second, only adult citizens of this country between the ages of 21 and 60 can count on a loan. Third, borrowers must provide a full package of documents. The availability of all the necessary documentation not only increases the chances of a positive decision of the lender, but also significantly speeds up the processing of the application.

The advantages of service

  • Simply. This service allows you to get the necessary amount without bureaucratic delays and numerous checks.
  • Quickly. If the application is approved, the money will be in the client’s account within five working days.
  • Transparent. Borrowers are aware of all the necessary payments in advance. At the same time, it is not necessary to worry about hidden commissions. 

Why you should choose First Circle

First Circle is a real credit revolution in the Philippines. This company uses innovative technology, thanks to which the citizens of the Philippines can quickly and easily solve any financial problem. At the same time, the company’s clients do not have to spend time filling out paper forms and queuing at offline banking branches. 

4 steps to get a loan

  1. Visit the company’s website or download the official app for Android or iOS on your smartphone.
  2. Fill out the online form. It will take no more than five minutes to complete a small online application.
  3. Wait for the consideration of the application. First Circle loan officers process applications very quickly. It takes no more than 25-30 minutes to consider them.
  4. If the application is approved, get money on your bank card.

How to return money

Credit organization First Circle has provided 2 main ways of debt repayment. The first way is payment terminals in supermarkets, shopping and entertainment centers, at public transport stops, etc. 

First Circle customers should remember the importance of timely debt repayment. Otherwise, the borrower can not avoid penalties, the size of which is always previously specified in the signed client agreement.

Offline offices of First Circle

This company works only online. Representatives of this organization can be contacted on its official website or on any popular social network. The only offline office of First Circle is located in Manila at Commerce and Finance Tower, 32nd Street Corner, 7th Avenue, Bonifacio Global City Office Center.

Product Features

Min. financing amount ₱10000
Max. financing amount Up to ₱10000000
Min. loan tenure 1 months
Max. loan tenure 6 months
Interest rate 1.74% - 3.49%
Approval duration Up to 120 hours
Debt consolidation Yes

Example of calculating interest and loan payments

TERM 1 months 2 months 3 months 4 months 6 months
LOAN AMOUNT ₱5000000 ₱5000000 ₱5000000 ₱5000000 ₱5000000
FEE 1.74% 1.74% 1.74% 1.74% 1.74%
INTEREST AMOUNT ₱7250 ₱14500 ₱21750 ₱29000 ₱43500
TOTAL REPAYMENT ₱5007250 ₱5014500 ₱5021750 ₱5029000 ₱5043500

Fees & Charges

One time setup
Processing fee 1.99%
Stamp duty N/A
Disbursement & misc. fee N/A
Annual fee N/A
Other fees N/A
Early settlement no information
Late payment charges no information
Other penalties no information

Other Requirements

Need to open linked banked account? Yes
Other details -


The maximum loan term is not more than 6 months.

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To date, the maximum amount of this loan is PHP 10,000,000.

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Your application will be reviewed within 5 days.

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Full company name First Circle
Address 7th Floor Net One Center, 3rd Avenue corner 26th Street, Bonifacio Global City, Taguig, Philippines
Phone number (+632) 8 580 3200
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Editor, copywriter of the site.

User rating


1 year ago

Owsome Company

quick and short great customer service people giving assistance to help make everything go smoothly thanks so much for being so helpful to make sure I had everything in order to make everything was correct

1 year ago

First Circle has been really good

My experience with First Circle has been really good. And today I needed to see if I could get a possible increase to assist with paying a few things. I was approved for an increase which will help and the customer service provided by Agent was great! She exceeded my expectations by calling back to make sure I was able to log on since I was having difficulty at first.

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