For ₱5,000 over 120 days, Pocketcash (Elending) costs the least among apps on the SEC list, ₱5,300 back in total; Vplus is the cheapest that asks only for an ID, at ₱5,300. Change the amount and term to rank them for your loan.
Is Pocketcash (Elending) legit? Costs and requirements · Official app on Google Play
Is Vplus legit? Costs and requirements · Official app on Google Play
Is HappyPera2 legit? Costs and requirements · Official app on Google Play
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, for a bigger loan later. Ranked on each app’s published maximum.
Small loans are capped at 6% a month interest and 12% a month all-in, up to ₱10,000 and 120 days (SEC MC No. 14 s.2025, from Apr 1, 2026). No lender pays to appear here or to change its position.
181 from SEC-registered companies · 205 revoked or not listed
Elending Lending Inc · CA No. 3044
Peso Agad Lending Corporation · CA No. 3158
Royal Yohoo Lending Investors Corporations · CA No. 2940
Singularity Financing Inc. · CA No. 1326
Philippine Rup Financing Corporation · CA No. 1218
Cashmum Lending Investors Corp. · CA No. 3413
MyLoan Lending Investors Inc. · CA No. 2866
Leaflending Inc. · CA No. L-24-0801-50
Singularity Financing Inc. · CA No. 1326
Ceimmarj Financing Inc. · CA No. 330
Streetcorner Lending Corp. · CA No. 1830
LENDORA LENDING CORP. · CA No. 3101
AETHERIUM LENDING, INC. · CA No. 3059
Xlkash Lending Corp. · CA No. 3136
Masaganang Buhay Finance Philippines Corp. · CA No. 1185
Dolphin Lending Investor, Inc. · CA No. 3037
Prima Fintech (Philippines) Lending Corporation · CA No. 2917
NeuronCredit Financing Company Inc. · CA No. 1178
e-Generation Lending Corp. · CA No. L-21-0036-70
FT Lending Master Philippines Corp · CA No. 3025
Kusog Pera Lending Inc. · CA No. 3118
Kusog Pera Lending Inc. · CA No. 3118
Lucky Shell Fintech Lending, Inc. · CA No. 3055
Kredivo Philippines Lending Corp. · CA No. 1323
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.
Shortlists: 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.
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.
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.
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.
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 in interest and fees), HappyPera2 (at most ₱395 in interest and fees). 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 apps on this page are on it by name.
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.
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.
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.
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.
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.
