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Binixo review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Binixo suits Filipino adults who want a free comparison service and money in their account the same day. It charges nothing for comparing or submitting, and no credit check is listed, though the rate range 4% to 916% is wide, so check the quote before agreeing. Support runs on email only.

Key facts

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

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • Free to use, with no charge for comparing offers, submitting a request or being connected
  • Amounts run PHP 1,000 to PHP 50,000 and terms 91 to 120, covering personal and payday loans
  • Response in 15 minutes, money in your account the same day
  • No credit check is listed, and poor credit is accepted

Cons

  • The rate range 4% to 916% is very wide, so the cheapest offer may be far from the dearest
  • Support runs on email only
  • Binixo is a broker, so the final rate and terms sit with the lender you get matched with
Binixo

Ready to try Binixo?

Scored 8.8 / 10 by SumCue.

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Who it suits

  • Filipino adults at a minimum age with a valid government ID who need cash quickly
  • Borrowers with poor credit who want a comparison with no fee attached
  • Anyone comparing personal and payday loans side by side before applying

Who should look elsewhere

  • Borrowers who want a fixed rate set in advance, since a broker sets the final terms
  • Credit builders who need a hard credit check on file, as no credit check is listed here
  • People who want phone or chat support, since support runs on email only

Deposit protection

Binixo is a broker operated by INFINSA LTD, so it passes your details to lending partners rather than lending the money itself. No regulator, licence or protection scheme is listed for the service, which leaves the safety of the money with the lender you are matched with. The representative example given shows a small peso loan over a short term at annual interest, with the total repayable stated alongside it.

How Binixo compares

Where Binixo is available

Available
Philippines

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

Frequently asked questions

Does Binixo cost anything to use?+

No. The arrangement fee is free, with no charge for comparing offers, submitting a request or being connected with lending partners. Any cost of the loan itself sits with the lender you are matched with, not with Binixo.

How much can I borrow and for how long?+

Amounts run PHP 1,000 to PHP 50,000 and terms run 91 to 120, covering both personal and payday loans. The lower end of the amount range suits a small short term need, while the top of the range fits a larger expense spread over the full term.

What interest rate will I pay?+

The listed rate runs 4% to 916%, which is a wide spread. A broker like Binixo matches you to a partner, so the rate you are actually offered depends on the lender, and the representative example on the site shows a rate well inside the range.

How quickly do I get the money?+

Funding is quick: Response in 15 minutes, money in your account the same day. Same day funding is the one feature listed for the brand, so a short response time does not mean a guaranteed instant transfer in every case.

Do I need a credit check?+

No credit check is listed for Binixo, and the credit needed is poor. A partner lender may still assess the application on its own terms, so a low barrier at the comparison stage does not promise approval from every partner.

Who can apply?+

Eligibility covers adults at a minimum age who hold Filipino citizenship and a valid government ID. Applicants outside the Philippines are outside the stated criteria, whatever the amount they want to borrow.

How is my money protected?+

Binixo is a broker, so the loan is arranged with a lending partner rather than held by Binixo. No regulator, licence or protection scheme is listed here, which means the safety of your money depends on the lender you are matched with and its own terms.

How do I get help?+

Support runs on email only, so questions go by email rather than by phone or live chat. If you are still waiting on a response or a connected lender, email is the route listed for that too.

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

Filipino borrowers comparing personal and payday loans with no fee to compare or apply.

8.8/10See alternatives