1 2 3 Finance understands the financial needs of Overseas Filipino Workers (OFWs) and their families. That’s why we offer personal loans with low interest rates and flexible installment terms—designed to fit their budget and support their goals. OFWs with complete employment documents may borrow up to three times their basic salary, subject to approval.

They can choose a repayment period of 6 to 18 months, depending on what works best for them. We’ve also simplified the application process with minimal document requirements, which have now been further reduced for certain countries. This improvement reflects our commitment to providing OFWs with a better borrowing experience compared to other financing companies.

We serve both first-time and returning land-based OFWs residing in Luzon, Cebu, Iloilo, Davao, and Cagayan de Oro, including nearby provinces. With no collateral, no hidden fees, and no deductions from the loan proceeds, we offer one of the highest approval amounts for OFW personal loans in the country.

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, chat, 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.