Is Cash Baka legit?
Yes. Cash Baka is on the SEC list of recorded online lending platforms. It is run by Microdot Lending Corporation (SEC Reg. No. CS201951287). The SEC list dated Sep 29, 2026 records it as "Cash Baka". The SEC lifted a cease and desist order against the company (SEC En Banc Case No. 09-25-014). SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Cash Baka" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Microdot Lending Corporation, CS201951287 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | Not on Cash Baka's listing or the SEC list | SEC list, Sep 29, 2026 |
| Price published | No rate on Cash Baka's website |
Cash Baka publishes no interest rate, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask Cash Baka for its Disclosure Statement before you accept, or compare apps that publish their price.
Should you borrow from Cash Baka?
You see Cash Baka's price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Skip Cash Baka if
- you want to know the cost before you apply: it publishes no rate.
If you cannot pay Cash Baka on time
On Cash Baka loans above ₱10,000 or longer than four months, the penalty is whatever your contract and Disclosure Statement say; the SEC's 5% a month cap covers only smaller, shorter loans. Microdot Lending Corporation'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).
If that fails, report Microdot Lending Corporation 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.
Other apps from Microdot Lending Corporation
Microdot Lending Corporation runs 5 apps on the SEC list. They share one SEC registration, so a complaint about any of them goes against the same company.
- Credit Cash (Microdot) listed as "Credit Cash"
- Credit Peso listed as "Credit Peso"
- Cash Mabilis listed as "Cash Mabilis"
- Go Peso (Microdot) listed as "Go Peso"
This page covers Cash Baka's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Cash Baka first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Cash Baka
Who owns Cash Baka?
Microdot Lending Corporation (SEC Reg. No. CS201951287), which also runs Credit Cash (Microdot), Credit Peso, Cash Mabilis, Go Peso (Microdot), per the SEC list dated Sep 29, 2026.
Does Cash Baka call your contacts?
Microdot Lending Corporation 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). Report it to the SEC on 14732.
Cheaper than Cash Baka 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.