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1600 J Bocobo St. Cor Pedro Gil Malate, Manila (across Robinson's Place Main Entrance)



At 123 Finance Group, our story began with the belief that every individual seeking opportunities abroad deserves a reliable financing partner to kickstart their journey. We exist so they can focus on establishing a sustainable source of income for their families while entrusting us with their financial worries.

We specialize in providing affordable and reliable financing solutions for both new and returning land-based overseas Filipino workers. Our professional employees all work together to offer a seamless experience, whether it's assisting clients online or welcoming them into our branch offices. We are dedicated to going the extra mile, guiding applicants through the process with expertise and care.

Moreover, our team of professional employees understands each client's circumstances. That's why we provide flexible terms and grace periods to ensure clients maintain a positive credit standing without added stress.

Ultimately, our commitment goes beyond mere transactions. We aspire to surpass our clients' expectations, making us into trusted companions on their journey towards a more comfortable and secure lifestyle.

Why Choose 123 finance?

1. Lowest Interest Rate
We're committed to providing the lowest interest rates in Manila, Cebu, Davao, Cagayan de Oro, & Iloilo, for non-collateral personal loans!

2. Easy Application, No Hassle
Here at 123, we’ve made it easier and simpler for OFWs to apply for a personal loan because we have minimal requirements. A legit loan takes only 3 steps to apply.

3. High Loanable Amount
We have higher approval rates than competitors based on clients monthly income.

4. Professional Collectors
Our approach to debt collection is professional and empathetic. We prioritize supporting our clients without resorting to threats or harassment. Plus, we're sympathetic with an emergency situation that may cause a short-term delay in your payment if you give us advance notice. In short keep us updated if you foresee an issue affecting your payment for the best chance of your request being accommodated.

5. Excellent Customer Service 
We care about our clients beyond the sales, that's why we offer various channels for clients to reach out to us, ensuring prompt and attentive assistance.

6. Early Loan Termination with Rebate
Settle your remaining balance in full and receive a rebate, subject to our terms and conditions.

To provide premium service, we cover the neighboring provinces and most areas surrounding our offices in key cities. You don’t need to reside in the city areas to get a loan from us.

1 2 3 Finance Corporation  Company Registration No. CS201800207 Certificate of Authority No. 1161
ABC Finance Corporation  Company Registration No. CS201910013 Certificate of Authority No. 1224
BUDGET Finance Corporation  Company Registration No.  CS201818039 Certificate of Authority No. 1180

All three companies are registered doing business under the name and style of 1 2 3 FINANCE GROUP.

Important: You are advised to study the Terms and Conditions in your Disclosure Statement before proceeding with the loan transaction.  For concerns and complaints, reach out to us at 0908-550-0583 or email us at



Happy Clients

Our mission is to provide a quick, easy, and friendly loan service to our valued clients. We guide and assist you in meeting loan requirements and ensure the collection of loan obligations is done in a professional and supportive environment. Our ultimate goal is to achieve a win-win outcome, benefiting both our clients and our company.


As we aspire to be recognized as the model for ethical and efficient finance in the Philippines, we're dedicated to delivering the friendliest and most accessible lending service available. Our commitment to transparent and competitive rates sets us apart. We don't stop there; we are equally devoted to becoming a model employer. This means offering higher wages, superior benefits, and fostering a positive and respectful working environment for our employees.




1 2 3 brand was established as a SEC-registered company in Cebu. The core business is providing non-collateral personal loans for land-based and sea-based overseas Filipino workers



We expanded our operations by opening a new branch in Manila.



We entered the financing and lending market in Cagayan de Oro.



This year, we strengthened our company's credibility by securing a license from the SEC to operate as a financing company with the registration name 1 2 3 Finance Corporation.

We founded another SEC-licensed financing company named Budget Finance Corporation, restructuring our newly built CDO and Davao branches to be registered under this new corporation.

1 2 3 Finance Corporation expanded its activities, offering personal loans to aspiring OFWs in Iloilo.



We founded a new SEC-licensed financing company named ABC Finance Corporation, restructuring our Cebu branch to be registered under this corporation.

All three finance companies were consolidated and registered to trade under the name 1 2 3 Finance Group.



Year of strong growth for 1 2 3 Finance Group amid recovery from pandemic.



This year, we are innovating our application process with the introduction of our online platform, providing our clients with a seamless and convenient experience right from the comfort of their own homes.