Loay, Philippines offers 11 beaches perfect for sunbathing, surfing, swimming, and more. Loay, Central Visayas, Philippines, is known for the Clarin Ancestral House and the Loboc River Cruise. The best time to travel to Loay, Philippines, is from December to May, with average air temperatures around 27°C (81°F) and water temperatures near 28°C (82°F). Sandee provides detailed maps, photos, and reviews from fellow beachgoers to help you Choose Your Beach™ and plan your perfect beach vacation!