Is Big Loan legit?
Yes. Big Loan is on the SEC list of recorded online lending platforms. It is run by Fingertip Finance Corp (SEC Reg. No. 2020070001053-00, CA No. 1319). The SEC list dated Sep 29, 2026 records it as "Big Loan". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Big Loan" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Fingertip Finance Corp., 2020070001053-00 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1319 (as printed by Big Loan) | Google Play, updated Sep 23, 2026 |
| SEC notices naming the app or lookalikes | 1 document, latest SEC advisory on a fake Big Loan app of May 15, 2026 | SEC, May 15, 2026 |
| Price published | Yes: APR 0% to 36%; processing fee ₱250 included in the total cost. | Google Play, updated Sep 23, 2026 |
| Loan amount and term | ₱1,000 to ₱25,000, over 90 to 180 days | Google Play, updated Sep 23, 2026 |
| Google Play rating | 4.4 of 5 from 3,922 ratings, 500K+ installs, as of Oct 2, 2026 | Google Play, updated Sep 23, 2026 |
On ₱5,000 for 120 days, Big Loan's published terms come to at most ₱850 in interest and fees (₱250 at its lowest published rate): interest of 3% a month and an all-in cost of 6.6% a month, higher because its processing fee is added on top, and you repay in instalments but pay interest on the original amount the whole time. Big Loan on Google Play, updated Sep 23, 2026
Working: 36% a year × 120/360 days × ₱5,000 = ₱600 interest; processing fee ₱250 = ₱250. The all-in rate is the monthly rate at which 4 payments of ₱1,463 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 3% a month against the 6% cap; all-in 6.6% a month against the 12% cap (SEC MC No. 14 s.2025, effective Apr 1, 2026). SEC MC No. 14 s.2025
Next: check the worked Disclosure Statement below, then compare Big Loan with the other recorded apps, or get it from its official Google Play listing.
Big Loan interest rate and what you pay back
APR 0% to 36%; processing fee ₱250 included in the total cost.Its own example, ₱20,000 for 180 days
your total cost of the loan will be PHP 23,850. All applicable fees (including a processing fee of PHP 250) are already included
- You pay back
- ₱5,250 to ₱5,850
- Cash you receive
- ₱5,000
- Interest and fees
- ₱250 to ₱850
- Interest a month, at most
- 3%
- All-in cost (EIR) a month, at most
- 6.6%
- Share of the loan
- 17%
Terms from Big Loan's Google Play listing, updated Sep 23, 2026. The calculator gives the same ₱23,850 for Big Loan's own example. Documentary stamp tax on a ₱5,000 loan for 120 days is about ₱12.33 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
Big Loan Disclosure Statement, worked out: ₱5,000 for 120 days
Big Loan must give you this statement in writing before the loan is made (RA 3765, the Truth in Lending Act, Sec. 4). These are the figures it should show at its published maximum; if yours differ, ask why before you accept.
| Figure | Inputs | Rule | Result |
|---|---|---|---|
| Amount financed | ₱5,000 borrowed, nothing taken off | RA 3765 Sec. 4(5) | ₱5,000 |
| Interest | 36% a year × 120/360 days × ₱5,000 | Big Loan's published maximum | ₱600 |
| Processing fee | ₱250, added to repayment | Part of the finance charge, RA 3765 Sec. 3(3) | ₱250 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱850 |
| Simple annual rate | Big Loan publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 36% |
| Late penalty, at most | 5% × ₱5,850 due | SEC MC No. 14 s.2025 Sec. 3 | ₱293 a month |
| All charges together, at most | 100% × ₱5,000 | SEC MC No. 14 s.2025 Sec. 3 | ₱5,000 |
| Documentary stamp tax on the loan | ⌈₱5,000 ÷ ₱200⌉ × ₱1.50 × 120/365 | NIRC Sec. 179, as amended by RA 10963 | ₱12.33 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱850, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱1,700 |
Should you borrow from Big Loan?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱550 less than Big Loan's published maximum of ₱850.
Choose Big Loan if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
Big Loan requirements, customer service and how to pay
- Requirements
- Filipino citizen; 21 to 70 years old; Valid government-issued ID; Active mobile phone number
- support@bigloans.ph
- Phone
- (02) 837-44500, 09171454094
- Pay through
- The channels shown in the app for your loan
As Big Loan lists them on its Google Play listing, updated Sep 23, 2026. Use only these channels or the app itself. Source
If you cannot pay Big Loan on time
If all ₱5,850 of a ₱5,000, 120-day Big Loan loan fell due unpaid, the penalty could be at most ₱293 a month, and interest, fees and penalties together could never pass ₱5,000. Fingertip Finance Corp's collectors, and any agency it hires, may not post your details, threaten you, call before 6 a.m. or after 10 p.m., or message anyone in your contacts except the guarantors you named (SEC MC No. 18 s.2019).
Complain to Big Loan first at support@bigloans.ph or (02) 837-44500. If that fails, report Fingertip Finance Corp to the SEC on hotline 14732 or the iMessage portal, and report messages to your contacts to the National Privacy Commission at complaints@privacy.gov.ph. All eight prohibited collection practices.
Big Loan regulatory history
- May 15, 2026The SEC warned about fakes using this name: Big Loan-Loan app philippines on the Apple App Store and the website jan-leo-lending.com. They are not run by Fingertip Finance Corp. Source
This page covers Big Loan's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Big Loan first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Big Loan
Who owns Big Loan?
Fingertip Finance Corp (SEC Reg. No. 2020070001053-00), per the SEC list dated Sep 29, 2026.
What is Big Loan's interest rate?
Big Loan states (Big Loan's Google Play listing, updated Sep 23, 2026): "APR 0% to 36%; processing fee ₱250 included in the total cost." On ₱5,000 for 120 days: interest of 3% a month and an all-in cost of 6.6% a month, higher because its processing fee is added on top, and you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Big Loan?
Big Loan lists (Big Loan's Google Play listing, updated Sep 23, 2026): Filipino citizen; 21 to 70 years old; Valid government-issued ID; Active mobile phone number.
What is Big Loan's customer service number or e-mail?
Phone: (02) 837-44500, 09171454094. E-mail: support@bigloans.ph. As listed by Big Loan (Big Loan's Google Play listing, updated Sep 23, 2026).
Does Big Loan call your contacts?
Fingertip Finance Corp may not contact anyone in your phone contacts except the guarantors or co-makers you named, even if you allowed access (SEC MC No. 18 s.2019, Sec. 1(h), issued Aug 19, 2019). Raise it with Big Loan at support@bigloans.ph, then the SEC on 14732.
Cheaper than Big Loan for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- Pocketcash (Elending): at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees)); lends ₱1,000 to ₱50,000.
- Vplus: at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 interest); lends ₱1,000 to ₱50,000.
- Pesos.ph: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,500 to ₱50,000.