I knew British bloke here who met his wife on the internet and he married his lady on his second visit in the Phils and now they are living together here.
I think it doesn't really matter how many times you visit her in the Phils, the big question is 'how can you prove to the embassy that your relationship is genuine?'
There's always 'I'll do everything to be with my love one', so I guess If you can't wait to be with your lady and have no other options then a loan is right for you!