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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Binixo

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About company

Binixo is an online company that provides clients with a list of offers from lending institutions and non-credit financial companies where the client can apply for or obtain a credit product.

Binixo Corporation is a Philippine-based fintech company that focuses on online microfinancing loans. It was one of the first to offer Internet loans in the Philippines. They provide immediate and deluxe financial solutions in reaction to the Filipino's daily and immediate financial needs. The company has no liquidity constraints, complex approval procedures, or long waiting times. Binixo provides a unique, seamless, and quick approach to consumer loan products, enabling them to adapt to your changing needs while maintaining sound business ethics and transparency. They want to build customer trust by being open and honest about their loan conditions.

Pros and cons of Binixo

Binixo connects you with various fast online lenders by collecting your information and displaying all the lending companies that correspond to your needs. Here are some advantages and disadvantages to consider before using the service.

Pros

  • Their service is available online. You can do it whenever and from wherever you want as long as your network connection is stable.

  • Their service is completely free.

  • They provide quick service. In just two minutes, you can have a slew of lenders on your screen, with the only task remaining to select the best option for you.

Cons

  • You must first register and create an account with them before you can use the company's services.

  • The company can and will obtain information from your browser and even your device.

Products

The two services offered by Binixo are Get loans and Compare loans. Let's look at them closely.

Get loans

Select your preferred loan amount and term, enter your full name, date of birth, phone number, and email address, and click Get loan. The company will immediately search for and present the best loan offers for your chosen loan terms. It is now up to you to choose the best one for you. You can also apply for and receive your desired loan because everything is done online. Follow the below steps to get your loan proposals with Binixo:

  1. Visit the Binixo website at binixo.ph.

  2. Choose your preferred amount. This can range from ₱1,000 to ₱25,000, then click on Get loan.

  3. Now the company will ask for your data: your full name, birthday, phone number, and email. According to them, this will help bring the best offers for you. Input the data and click on Continue.

  4. The best loan offers for the information you provided will be displayed. Choose the best option for you. You can apply to more than one lender at the same time.

Compare loans

Compare loans is the same service as getting loans but this time, instead of applying, you'll be comparing and determining the one that is best for you. It works the same way as getting loans. The service searches for the best loan offers based on your personal information. They obtain information in a variety of ways, including:

  • Information from cookies. Cookies may be used to store information. Cookies are small data files that a website stores on your computer's hard drive. They may use session cookies (which expire when you close your web browser) and permanent cookies to provide a more personalized and engaging experience on their website (which remain on your computer until you delete them). This information is gathered to improve the website's value and tailor your experience with them to your specific interests and needs.

  • Information from customers. They collect the name of your company, your full name, your legal address, your email address, your phone number, and any other information you voluntarily provide on their website.

  • Information from the backend. They collect information about you and your computer/device automatically. When you visit their website, for example, they record your operating system version, browser version, browser language, the website you visited before visiting their website, the pages you view, and the amount of time you spend on each page.

Binixo

FAQ

What is Binixo?

Binixo is an online company that provides clients with a list of offers from lending institutions and non-credit financial institutions where the client can apply for or obtain a credit product. 

How does Binixo work?

You visit the Binixo website at binixo.ph and choose your preferred amount. This can range from ₱1,000 to ₱25,000, then click on Get loan. The company will ask for your data: your full name, birthday, phone number, and email. According to them, this will help bring the best offers for you. Input the data and click on Continue. The best loan offers for the information you provided will be displayed. Choose the best option for you. You can apply to more than one lender at the same time.

What are the requirements to use Binixo's services?

The only requirements from the company before using their services are your data: your full name, birthday, phone number, and email. According to them, this will help bring the best offers for you.

What are the eligibility requirements to use Binixo's services?

The user must be over the age of 18 and a Filipino citizen.

What are the minimum and maximum loan amounts for Binixo?

The minimum loan amount is ₱1,000, and the maximum loan amount is ₱25,000.

How much does Binixo charge for their services?

The company does not charge for its services. It is completely free.

When can I use the services offered by Binixo?

The services are totally online. Meaning it is available 24/7. You only need a stable data connection.

What if I fail to repay a loan?

There are numerous situations in which a person cannot repay a loan due to various factors. However, they will not be accepted as a valid reason for not returning the money. As a result, lenders may levy penalties against the client. Furthermore, depending on the creditor, they may file a lawsuit or assign the right to collect the debt to a third party. To avoid such negative consequences, keep the interest and commission in mind. Also, do not disregard the deadline.

Company documents

Privacy Policy

Financial products

Binixo
Loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
₱1000 - ₱25000
Rate
i

Effective interest rate on the product

4% - 916% APR
Term
i

Loan term for the financial product

depends on the lender

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Calculate loan payments at Binixo

With Binixo calculator you can calculate an approximate payment schedule for the loan

Binixo calculator
Interest rates are given in accordance with the rates of the Binixo in Manila as of 04.12.2022
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