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It is the first service that works with customers in online mode, without the help of a human operator! Its operation is fully automated. Any day of the week, regardless of time, holidays or non-working days, loans instantly. The “Robocash” is a new and improved software that can automatically study more than 1800 data of a client, based on the information of your form.

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Seaman’s Loans

Seafaring is one of the top jobs in the Philippines. These are migrant Filipino workers who board international ships for cargo and oil. They earn a lot of money, which they send to their families back home. Despite their salaries, they sometimes come to a situation where they need to loan money. And this is where a Seaman Loan comes in handy. 

Today, we will talk about what a Seaman Loan is, how to take it, and where you can get the best deals.

How much money do you need?
10 000
Min: ₱ 1 000
Max: ₱ 10 000
You return: 10 000
All your data is under secure protection!

What is a Seafarer  Loan?

A seafarer loan is a kind of loan reserved specifically for people employed in the shipping industry. Philippine seafarers include the following:

  • Captains
  • Cooks
  • Cleaners
  • Engineers

In the Philippines, seafarers are still considered OFW or Overseas Filipino Workers. A loan can only be granted to them if they can provide documents proving that they are seafarers indeed. The seafarer loan is not a typical loan. You can only secure a seafarer loan if you use it as additional funds for your family or if you need it to board a ship. You cannot use it to pay for a car loan or a housing loan.

Can I Take a Seaman Loan at Robocash?

Right now, Robocash does not offer seaman loans. The system of this company is built currently for emergency loans and personal loans.

However, there is a workaround for this. The seaman’s family member, who is employed or self-employed, can apply for a loan. What they need to do is to go to the company’s website, and then apply for a loan as usual. The application is easy, and all it takes is to scan documents and attach them to the loan application. If the applicant qualifies, the loan can be approved in as fast as 24 hours.

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Here are the advantages of Robocash:

1. Automated and online – no need to go to a physical location; just submit your documents online. You will also get your funds in your bank account via fund transfer.

2. 90% Approval – Robocash has a high approval rate because they have a good background check process. If you qualify, you do not need to go through interviews. You will also get approved in as fast as 24 hours.

3. No collateral – this is the best part of the service. The company is not going to ask you to use collateral such as your car, your house or lot.

Robocash offers between ₱1,000 and ₱25,000. The loan amount varies depending on your status. If it is your first applying for a loan, you will get a small maximum loanable amount.

If you are a good borrower, which means you are paying your loans on time, you will be able to loan more money from Robocash.

All operations are performed online - you don't have to leave your house
In only 4 minutes you can receive up to 5000 pesos in your bank account
We don't require guarantors representation, documentation, or guarantee deposits.
The service is fully automated

What are the Advantages of a Seaman’s Loan?

Here are the advantages of a Seaman’s Loan:

  1. Easy to get approved – as a seaman, you are backed up by the fact that you have an employer. Your contract is proof of how much money you earn and this makes it easy or financial institutions to give you a loan, knowing that you have a secured job.  
  2. Low interest rates – since seafaring people bring US dollars to the country, and since they are considered as OFW, they can enjoy low interest rates. They have special treatment because OFW is the top industry in the country.
  3. Big loan amount – seafaring individuals can get up to half a million pesos on a Seaman Loan. This value depends on which financial institution you choose.

As a seafarer, the country owes its economy to you. You have several advantages that you can enjoy as a seaman, but you need to think carefully how much you really need so as not to bury yourself in debt.


  • Where can I get a seaman loan?
    Look at the offer of major banks, such as BPI, GDFI. Also look at government loan programs.
  • Who are Philippine seafarers?
    Seafarers refer to Filipino workers who work at sea and engage in international trade. They are often absent for 6 to 9 months. During this time, they and their families may need financial assistance.
  • Are loans for seafarers legal?
    Yes, many companies in the Philippines issue loans legally and have a registration number in the government registry.

Where Can Filipino Sailors Get a Loan?

Here are the places where you can get a loan as a seaman:

  1. Banks – all banks have a loan for seafarers. The interest rates vary, but banks also charge a bigger rate compared to others. Some banks will even ask for as much as 20% interest rate per year.
  2. Private Lending companies – these are financial institutions, but they are not banks. They can either be cooperative or private corporations that offer all types of loans. These companies may charge higher interest rates than banks, but they also offer fast approval rates. Many private lending companies also ask for collateral.
  3. Online lending companies – these are also private institutions, but the entire process of applying for a loan is automated. You can apply for a loan no matter where you are located in the country. These institutions offer the smallest loan amount, and they also have the fastest turn-around time for approval.

Choose the best financial institution based on how much you want to loan. If you need only a small amount of money, and if you need it quickly, your best option is to apply for a loan online.

Seaman Loan Requirements

If you apply for a Seaman Loan, you need to provide the following documents:

1. Contract with POEA Stamp

2. 2 Government IDs

3. Seaman’s book

These documents are proof that you are a seaman. If you are just applying for a job, you only have to present your contract from your employer or recruitment agency. In some cases, financial institutions can also ask for more documents, such as your passport and birth certificate.


Seafaring employees need loans from time to time. This is especially so if it is the seaman’s first time to board. Many recruitment agencies ask for money as a down payment or for job recruitment processing, and those who are applying for this job need funds.

If you are a seaman or if you know one, you have to take into consideration your several options. Do not jump the gun yet. Take the time to assess the loan interest rates, terms, and how much you can borrow. What you want is to get a loan from reputable companies as soon as possible, and with the lowest interest rates.

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Robocash Reviews

  • Ryan
    Robocash is one of a kind. They are true to their commitment that once u pass d review they will credit the loaned amount right away! In less than 5 mins we got the money transfered to my gf bank account. Amazing! Two thumbs up ROBOCASH!!!
  • Erica
    I tried Robocash out of curiosity. To cut to the chase, Robocash is ideal for "petsa de peligro" days where it's almost payday but also your bills is on due date because they have short payment terms (I was given 7 days term for my first loan). You can get approved as fast as 30mins and the loan will reflect immediately.
  • Sam
    I loved RoboCash not just the app but for the whole experienced that I had in applying for a loan. Hassle free and loan disbursement is as quick counting 1-2-3.

Download the Robocash mobile app and get loan instantly!

  • Borrowing 24/7
  • Approval rate over 90%
  • 1 Valid ID

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Sean Martin D. Plantado

Author pages:
Sean Martin Plantado is the head of Customer Care Dept. and Online Sales Dept. of Robocash Finance Corp. creating articles, blogs, and other learning mediums that helps Filipinos struggling on their financial literacy. Sean also loves Cycling, Photography, Cinematography, Online gaming, Fine Arts, and dreams of becoming a Doctor of Veterinary Medicine.