GoBear in the Philippines

Online service that allows users to compare conditions for insurance, credit cards and loans from different insurers and banks. The objective is to make it easier for you all this process of choosing the right product and service.

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GoBear Philippines https://upfinance.com/app/uploads/2019/06/gobear.jpg
only Internet
no phone, invest@gobear.com
Interest rate p.m. 1.39% - 1.5%
Loan tenure from 6 to 60 months
Approval duration Up to 24 hours
Min. monthly income1

GoBear features

The credit rating service of organizations operates in the states of the Asia-Pacific region. The company has been working in the field of providing fast money to customers since 2014. The processing of offers is performed by a specialized program. Installed filters provide the choice of the best loan for each client.
Branches work in the leading countries of the Asia-Pacific region: Singapore, Malaysia, Vietnam, Japan and others. More than 29 million customers use the GoBear services in the Asean and APR countries. Selection of a loan is performed by analyzing several hundred offers.

Personal loan

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Interest Rates:  16.68% – 24% per annum
Minimum loan amount: 20 000 PHP
Maximum loan amount: 3x your monthly income PHP
Payment terms: 6 – 60 months
Processing fee: 3% – 6% of loan amount
Approval time: 1-5 banking days

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Short term loan

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Interest Rates:  From 15% per annum
Minimum loan amount: 1 000 PHP
Maximum loan amount: 20 000 PHP
Payment terms: Up to 3 months
Processing fee: 3% – 6% of loan amount
Approval time: 1-3 banking days

Calculate loan


Loan Calculator

Monthly payment
₱ 888.49
Total overpayment
₱ 661.85
₱ 10661.85

Borrower requirements

– At least 20 years old at the time of application
Сitizenship: Must be a Filipino Citizen
If Employed: Minimum gross monthly income – 15 000 PHP
If Self-employed:
– With at least two (2) continuous years of profitable operations in the same line of business
– Minimum gross monthly income – 25 000 PHP

Getting a loan

Credit processing begins on the GoBear homepage. Then the client goes to the search page, where he sees the offers of the service partners:

The fast loan is determined on the basis of information:

  • about the amount of money;
  • convenient repayment term.

The system will select the best organization to receive the amount. The client goes to the website of this organization and begins processing a loan application. Loan processing is carried out in the offline branch of the company. The borrower can choose to process the documentation in the selected credit institution. The customer will be informed by text about the results of the consideration. It is sent to the mobile phone number specified in the request. The approved amount is transferred to a bank account.

The terms of the loan amount are determined individually for each client. The applicant may consider several proposals submitted by banks and MFIs.

The advantages of the service

The advantage of using the service is the collection in one database of all offers for obtaining an online loan. Each client’s applications are considered. Data transfer is performed online. The best option for getting money will be selected for everyone. Including holders of negative credit history.

Consideration of the request is carried out automatically. Recipient data is transmitted automatically. The system itself considers the conditions of creditors and finds the most profitable option for each visitor. The client goes to the site of the lender. Often, several organizations are ready to provide the amount. The applicant can choose the most attractive conditions.

Funds are provided for urgent needs. They will help to go on a trip, buy a car, find a loan to the nearest salary. Quick loans are issued at high interest rates for small amounts.

Reasons for choosing GoBear

With the development of the online lending market, the number of services for processing applications on all creditors is constantly growing. In the financial market of the Asia-Pacific region, the ASEAN countries, GoBear has one of the best bases.

The selection process is simplified by an automated system. The software analyzes the request itself. All conditions are compared. The client needs only to contact the best lender.

The database includes all credit structures of the Philippines. The system works only with proven organizations. Each of them has a good reputation. All financial transactions are performed in accordance with the requirements of the laws of the Philippines. The client is guaranteed transparency of each procedure.

Five steps to get money

To draw up a loan you will need to:

  1. go to GoBear website;
  2. specify the number of the citizen’s document;
  3. fill in the fields of the amount and maturity;
  4. send for the selection of the lender;
  5. go to the proposed website of the financial organization and submit an application.

All steps are carried out online. They are simple and intuitive.

Loan repayment

Rules for repayment of the loan are specified in the agreement with the lender. All financial transactions are performed online. To repay the amount, transfers from the bank account to the creditor’s account are used. It is possible to send amounts using electronic wallets.

Payment resources of any country in the world are used for remittances to repay the debt. The input and payment history is displayed in the user’s personal account. Here is the information:

  • about the amount of debt;
  • term of transfer;
  • overpayment amount.

The personal account provides information on debt repayment. Sometimes there is no money to pay. The customer should immediately contact the lender and report the problem. This will avoid penalties for arrear. Refinancing helps to solve the problem. If the lender refuses to change the terms of debt repayment, the system will help to choose a financial institution for refinancing.

Product Features

Min. financing amount ₱20000
Max. financing amount Up to ₱60000
Min. loan tenure 6 months
Max. loan tenure 60 months
Interest rate p.m. 1.39% - 1.5%
Approval duration Up to 24 hours
Debt consolidation Yes

Example of calculating interest and loan payments

TERM 6 months 7 months 8 months 9 months 60 months
LOAN AMOUNT ₱30000 ₱30000 ₱30000 ₱30000 ₱30000
FEE 1.39% 1.39% 1.39% 1.39% 1.39%
INTEREST AMOUNT ₱209 ₱243 ₱278 ₱313 ₱2085
TOTAL REPAYMENT ₱30209 ₱30243 ₱30278 ₱30313 ₱32085

Fees & Charges

One time setup
Processing fee no-fee
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 -


It’s easy and done through the site. Register using your mobile number; fill in your profile with the necessary personal, work and bank details (for verification and payment); and click SUBMIT!

Send an application

If you are a new customer, you must receive a credit decision within one banking day after applying. For regular customers, you can make a loan decision faster, since most of your information has already been verified.

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You will receive a system generated SMS advice on the status of application

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You can choose to receive funds from Padala centers (Cebuana, Palawan, M Lhuillier & LBC), your own Bank account.

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Yes, you can repay the loan ahead of schedule. Although there will be no deductions from your current payment, there will be other benefits such as a good credit rating and discounts for future loans.

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You do not require any security or guarantor to apply for a Short term loan.

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The longest loan period is 30 days.

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Full company name GoBear Philippines
Address only Internet
Phone number no phone
E-mail invest@gobear.com
Social networks

Editor, copywriter of the site.

User rating


1 year ago

Best Online Services

it is easy to understand and contact to them. they have good working site and also they have simple plans that are easy to understand it is a good company that gives customer priority.

1 year ago

Great company

Part of the second largest payday lender umbrella company, The Money Shop provides a range of financial assistance services for its customers both online and in hundreds of stores across the Philippine . The Money Shop strives to be exactly as its title, it provides great online services

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