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MANILA, Philippines – Spurred by the rise of digital lending apps, Filipinos are increasingly relying on smaller but more frequent loans to cover day-to-day expenses, with the typical borrower taking out just P5,468 per loan.
This was according to data released by the credit data platform LenderLink, which showed that total digital loan disbursements in the Philippines reached P867 billion as of the fourth quarter of 2025, across 619,000 unique borrowers.
According to mobile analytics firm Adjust, this trend reflects the digitalization of financial services in the Philippines, which has made borrowing a routine financial tool rather than an occasional source of emergency funding.
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