If you’re a Balik-Manggagawa in the Philippines for vacation, visa renewal, or employer transfer, 1 2 3 Finance is here to help with fast and reliable financing solutions.

We understand the financial needs of returning Overseas Filipino Workers (OFWs), especially during important transitions before heading back abroad. Whether you need funds for travel expenses, family support, medical needs, tuition, business capital, or other personal expenses, our Balik-Manggagawa Loan is designed to help you move forward with confidence.

Qualified borrowers in Luzon, Cebu, Iloilo, Bacolod, Davao, Cagayan de Oro, and nearby provinces may loan up to 2x their monthly basic salary, subject to our approval.

For a higher chance of fast approval, we recommend having a co-borrower from your immediate family, such as your spouse, parents, or siblings.

Apply through our website or visit our branch near you today. 

Check out our accepted Valid IDs here.

1 2 3 Finance Group will never ask you to pay an upfront fee for your loan application. If you receive a call, SMS, or email asking you to pay a fee in advance, do not engage. Please report the incident immediately to our Customer Service hotline at 0908-550-0583 or email us at customer.service@123finance.ph.