Loan app comparison · 2026
All 181 SEC-registered lenders ranked by what you actually pay back, from each lender's own disclosed rates. Pick your amount and term below and the ranking updates.
Lowest payback for ₱5,000 over 120 days
Borrow
Pay back
Ranked by what you pay back on your loan · apps without published rates listed last
Elending Lending Inc · SEC CA No. 3044
Needs: Resident of the Philippines; At least 18 years old; At least one valid government-issued ID
Peso Agad Lending Corporation · SEC CA No. 3158
Needs: Mobile number; Valid ID; At least 21 years old
Royal Yohoo Lending Investors Corporations · SEC CA No. 2940
Needs: Filipino citizen, 18 years old and above; Valid government ID; Steady source of income
Singularity Financing Inc. · SEC CA No. 1326
Needs: Filipino, 18 years old or above
Philippine Rup Financing Corporation · SEC CA No. 1218
Needs: At least 18 years old
Cashmum Lending Investors Corp. · SEC CA No. 3413
Needs: Aged 22 to 55; Valid ID; Bank card
MyLoan Lending Investors Inc. · SEC CA No. 2866
Needs: 20 years old or above; Stable mobile number; Stable source of income
Leaflending Inc. · SEC CA No. L-24-0801-50
Needs: Filipino living in the Philippines; Aged 18 to 60; Valid government photo ID; Active phone number and regular income
Singularity Financing Inc. · SEC CA No. 1326
Needs: Philippine resident aged 18 to 60; Active Philippine mobile number; Valid government-issued ID; Verifiable source of income
Ceimmarj Financing Inc. · SEC CA No. 330
Needs: 18 years old or above; Filipino citizen with one valid ID; Stable income
Streetcorner Lending Corp. · SEC CA No. 1830
Needs: Filipino citizen; Aged 18 and above; Valid government-issued ID
LENDORA LENDING CORP. · SEC CA No. 3101
Needs: Filipino citizen; At least 18 years old; At least one accepted government-issued ID
Six things decide it. Tap one to sort every app by it.
Top picks
The lowest total payback among apps on the SEC list that lend this amount and term, the cheapest one that asks only for an ID, and the next-cheapest that lends ₱50,000 or more. Ranked on each app's published maximum.
You pay back ₱5,300 on ₱5,000 over 120 days (cost ₱300).
Approval needs: Resident of the Philippines; At least 18 years old
Watch out: Rated 4.7 on Google Play; read the Disclosure Statement first.
You pay back ₱5,300 on ₱5,000 over 120 days (cost ₱300).
Approval needs: Mobile number; Valid ID
Watch out: Rated 4.6 on Google Play; read the Disclosure Statement first.
You pay back ₱5,395 on ₱5,000 over 120 days (cost ₱395).
Approval needs: Filipino citizen, 18 years old and above; Valid government ID
Watch out: Skip it if you have no regular income: it asks for "steady source of income".
Is my loan app legit?
A loan app is legit only when the app itself, not just its company, is on the SEC's List of Recorded Online Lending Platforms. Of the 386 app names borrowers search for:
Revoked on this page:
The SEC revokes and reinstates lenders often; check the current list before you borrow. See all unregistered loan apps.
Each app page here shows the result of steps one to three. The 205 apps the SEC has revoked or named as not authorized to lend are on the list of illegal online lending apps.
Guide
The rules
For unsecured loans of up to ₱10,000 with terms up to 120 days, SEC MC No. 14 s.2025 sets these caps from Apr 1, 2026. Every loan tile above says whether your loan falls within them.
So on a ₱5,000 loan, interest, fees and penalties together can never exceed ₱5,000. Bigger or longer loans are outside these caps but must still be disclosed in full. The all-in cap was 15% a month before Apr 1, 2026. Work out any loan with the personal loan calculator.
If your app is not on any list here, search the SEC list of recorded lending apps or the list of apps the SEC has named as illegal. Of the 110 Google Play and App Store listings the SEC printed in its advisories, 110 now show no app, and 17 of the 34 websites it named still load. The SEC named 28 apps in more than one document, some under a new name, so match the company and Certificate of Authority number, not the app name.
Getting approved
8 apps on the SEC list here ask only for a valid ID. Most others also want proof of income.
No payslip? See loan apps with no payslip. Working abroad? See loan apps for OFWs.
Your rights
SEC MC No. 18 s.2019 makes it an unfair collection practice to contact anyone in your phone other than your named guarantors or co-makers, even with your consent.
Threats, insults, profanity and posting your debt publicly are banned collection practices under SEC MC No. 18 s.2019, Sec. 1.
Call the SEC on 14732 and email the National Privacy Commission at complaints@privacy.gov.ph. See loan app harassment.
A joint advisory of 18 March 2026 from the DICT, the National Privacy Commission and the SEC says lenders may not ask for app permissions they do not need, especially access to your contacts, and may not contact anyone in your contacts other than the guarantors you named. Google's Play policy bars personal loan apps from reading contacts at all. If an app asks for that permission, decline it and pick a different lender. Collectors also may not shame you, threaten you or call before 6 a.m. or after 10 p.m.: your rights against loan app harassment, and where to complain.
Methodology
This page compares published terms of apps on the SEC list, not the offer an app makes you after a credit check. For a dispute over a specific loan, contact the lender, then the SEC; for a legal claim, a lawyer.
interest = amount × max rate × days ÷ (360 or 365)
payback = amount + interest + fees added
cost = payback − cash you receiveRates quoted per month or per day are applied per 30-day month or per day. At 18% a year over 120 days on a 360-day year, ₱5,000 costs ₱300.
SEC list of recorded online lending platforms, Sep 29, 2026; SEC MC No. 14 s.2025, effective Apr 1, 2026; Latest SEC advisory, Aug 24, 2026.
FAQ
It depends on how much you need and for how long. For ₱5,000 over 120 days, the apps on the SEC list with the lowest published maximum cost are Pocketcash (Elending) (at most ₱300 in interest and fees), Vplus (at most ₱300) and HappyPera2 (at most ₱395). Change the amount and term above to rank them for your own loan.
A loan app is legit when the app itself, not just its company, is on the SEC's List of Recorded Online Lending Platforms. As of Sep 29, 2026 that list has 127 companies and 195 platforms. 172 of the 181 lenders compared on this page are on it by name; the rest are digital banks or SEC-registered companies whose app is not on the list by name. Use the checker on this page to look up any app.
No. MabilisCash, run by Mabilis Cash Financing Corp., is on the SEC list of recorded online lending platforms. Cash Mabilis is a different app from Microdot Lending Corporation, also on the list, so check the company name in the app.
On a ₱5,000 loan over 120 days, Pocketcash (Elending) has the lowest published maximum cost; you pay back ₱5,300. The apps with the lowest published cost for a ₱10,000 loan over 120 days and over a year are ranked on the low-interest list.
For unsecured loans up to ₱10,000 with terms up to four months, interest is capped at 6% a month and the all-in effective rate at 12% a month. Late penalties are capped at 5% a month, and the total of interest, fees and penalties cannot exceed the amount you borrowed (SEC MC No. 14 s.2025, from Apr 1, 2026).
8 apps on the SEC list say one valid ID is enough. The cheapest of them for ₱5,000 over 120 days is Vplus, at ₱5,300 back in total. See all loan apps with no payslip.
Yes. 2 lenders on the SEC list publish loans made for OFWs or seafarers, each with its own documents and limits. See the loans for OFWs and seafarers.
On this page: Digido, UnaCash, Robocash, PesoPop, NewCash, Delisha Lending. The SEC revokes and reinstates lenders often, so check the current list before you borrow.
No. SEC MC No. 18 s.2019 makes it an unfair collection practice to contact anyone in your contacts other than your named guarantors or co-makers, even with your consent, and a March 2026 DICT, NPC and SEC advisory repeats it. Report it to the SEC on 14732 and the National Privacy Commission at complaints@privacy.gov.ph.
Search the app name in the checker on this page, then confirm the company name shown inside the app matches the company on the SEC list. Copycat apps often use names close to a registered app's.
Loan lists: Lowest-interest loan apps · SEC registered loan apps: search the list · List of illegal online lending apps · Loan calculator · Loan app harassment: your rights · Loan apps with no payslip needed · Loans for OFWs and seafarers · Loan apps for students
Guides on this topic: Business Loans in the Philippines (2026): Options, Rates & Tax Treatment · Pay-Later Apps in the Philippines (2026): How BNPL Works and the Fine Print
TaxCalculator.com.ph compares lenders; we do not lend, approve applications or set rates. Rates and SEC status change, so confirm them in the app's Disclosure Statement and on the SEC list before you borrow. Figures last checked Oct 16, 2026.