Many Overseas Filipino Workers (OFWs) rely on personal loans to support their family’s needs—from education and housing to business and emergency expenses. At 1 2 3 Finance Group, we’re proud to be one of the most trusted lending partners of OFWs around the world. Thousands of Filipino workers have placed their confidence in us, choosing our services again and again because of our reliable, fast, and flexible loan options.

If you’re an existing client planning to apply for a reloan, below is your guide to apply.

We currently offer two convenient ways for OFWs to apply for a reloan:

1. Apply Online Through the 1 2 3 Finance website

To make reloan applications faster and more accessible for OFWs worldwide, we created the 1 2 3 Finance Portal—a secure website where you can submit your application anytime, anywhere.

Visit the 1 2 3 Finance Website to begin.

Register using your active mobile number or email address. Review and accept the Terms & Conditions to continue. Under Step 3: Type of Application, select:

“RELOAN” – for existing clients

“NEW LOAN” – for first-time applicants

Complete all required fields and upload your supporting documents.

After submitting your form, a loan officer will reach out to verify your information and walk you through the next steps. Tip: Preparing your documents beforehand helps speed up your approval.

*Check out our Step-by-Step Guide on how to apply through 1 2 3 Finance Application website

2. Apply Through Our Official Facebook Page

Prefer a more personal approach? You can also apply via our official Facebook page: 1 2 3 Finance Corporation 

Send us a message and one of our loan officers will assist you directly.

⚠️ Beware of fake accounts
1 2 3 Finance never collects advance fees such as, processing fees, credit assessment fees, service fees to process your application. We do not require upfront payments. If someone asks for payment before approval or release, report it immediately. Our processing fee may be deducted from the approved amount during loan disbursement.

Who Is Eligible for a Reloan with 1 2 3 Finance?

You may qualify for a reloan if you meet the following:

✔ Existing 1 2 3 Finance client
✔ Your previous loan is either fully paid, or with at least 2 months remaining on the balance
✔ You are employed abroad with at least 7 months remaining of contract validity

Document requirements are similar to those for new loan applications but may vary depending on your loan type.

Important Reminder: A reloan application does not guarantee automatic approval. Your eligibility is assessed based on:

• Repayment history
• Current employment status
• Financial stability

What Happens After Your Reloan Is Approved? Once approved, here’s what you can expect:

For OFWs Abroad

• Your co-borrower must visit the nearest 1 2 3 Finance branch to:
• Sign the loan contract
• Receive the cash proceeds

For Balik-Manggagawa (Returning OFWs)

Both the OFW and the co-borrower must personally visit the branch for:

• Verification
• Contract signing
• Fund release

For final validation, all applicants must present the original copies of the documents submitted online or via Facebook.

Why Choose 1 2 3 Finance for Your OFW Reloan?
✅ Trusted by thousands of OFWs
✅ Fast processing and friendly service
✅ Multiple application channels (Website or Facebook)
✅ No advance/upfront fees—ever
✅ Accessible even while working abroad

At 1 2 3 Finance, our goal is to support every OFW’s journey by providing safe, convenient, and reliable financial solutions.