Welcome to this page and thank you for choosing 1 2 3 Finance Group!  We greatly appreciate your interest in availing our loan services again and again. We are delighted by your trust in our company to provide you with the significant financial boost to bring your plans to life.  We designed our comprehensive loan options to be flexible, accessible, and supportive of your aspirations. Whether it’s for your child's education, housing, or emergency expenses, our personal loans are here to make your dreams a reality.

To enhance your borrowing experience, we have developed an alternative channel for every OFWs anywhere in the world to apply for a reloan. Now, you can apply online through our online platform. All you need to do is open your laptop or phone's browser then type https://online.123finance.ph/registration  into your browser's address bar.

Online Platform

With this method of application, you must apply directly online and upload your requirements on this portal. To begin, register with your active mobile number or email address. Don’t forget to check our terms and conditions to proceed.

When you reach the "Type of Application" under Step 3, you have to select the “reloan” option. Don't forget to note the difference in the types of application: Applicants for Reloan must click "RELOAN," while new clients must click "New Loan."

Continue filling out our application form. Once completed, our loan officers will contact you to verify your details and assist you with the next steps of our online process.

*Check out our Step-by-Step Guide on how to apply through 1 2 3 Finance Online Platform.

Facebook Page

This method is the classic process but still convenient for OFWs. Just message us on our official Facebook Page at 1 2 3 Finance Group. One of our loan officers will quickly assist you and create the application for you. Please beware of fake pages and accounts posing as 123 Finance. Our company does not collect any type of advance fees such as service fees or credit assessment fees, to process your reloan application. If you encounter such requests, please report them to us immediately.

Who are eligible to reloan?

1 2 3 Finance existing clients who have fully repaid their first loan or have just 2 months remaining on their outstanding balance may apply, even if they are still employed abroad with a validity of at least 7 months. The required documents are almost the same as those for a new loan application but may vary depending on the type of loan the OFW wishes to avail.

Keep in mind that applying for a reloan does not automatically guarantee approval. Each application is assessed based on factors like your repayment history and current financial status.

Next Steps After Your Application is Approved

For approved applications, we require the co-borrower of the OFW abroad to schedule a visit to our nearest branch to sign the contract and receive the loan proceeds in cash.

For Balik-Manggagawa, both the OFW and the co-borrower must visit our nearest branch for the same reasons as OFWs abroad. Currently, our loan disbursement is cash-only.

For validation purposes, all applicants must bring the original copies of the documents submitted during the online application.