Is Crawfort legit?
Crawfort Micro Lending Technologies Philippines Inc is SEC registered, but no Crawfort app or website is on the SEC list. The SEC list dated Sep 29, 2026 records only "crawfort.com.ph (FB page, used for marketing purposes only)", which the SEC marks as a page for marketing. The company holds SEC Reg. No. CS201906864, CA No. 2953. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | No: only "crawfort.com.ph (FB page, used for marketing purposes only)" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Crawfort Micro Lending Technologies Philippines Inc., CS201906864 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 2953 (as printed by Crawfort) | Google Play, updated Sep 29, 2026 |
| Price published | Yes: Annualized interest rate up to 18% (about 0.05% a day). Zero handling fees. | Google Play, updated Sep 29, 2026 |
| Loan amount and term | ₱4,000 to ₱90,000, over 91 to 180 days | Google Play, updated Sep 29, 2026 |
| Google Play rating | 4.6 of 5 from 10,661 ratings, 100K+ installs, as of Oct 2, 2026 | Google Play, updated Sep 29, 2026 |
On ₱5,000 for 120 days, Crawfort's published terms come to at most ₱296 in interest and fees: interest of 1.48% a month and an all-in cost of 2.3% a month, higher because you repay in instalments but pay interest on the original amount the whole time. Crawfort on Google Play, updated Sep 29, 2026
Working: 18% a year × 120/365 days × ₱5,000 = ₱296 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,324 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 1.48% a month against the 6% cap; all-in 2.3% a month against the 12% cap (SEC MC No. 14 s.2025, effective Apr 1, 2026). SEC MC No. 14 s.2025
Next: search the SEC list for the platform you use before you borrow.
Crawfort interest rate and what you pay back
Annualized interest rate up to 18% (about 0.05% a day). Zero handling fees.Its own example, ₱10,000 for 120 days
Total repayment amount: PHP 10,000 (principal) + PHP 600 (interest) = PHP 10,600
- You pay back
- Up to ₱5,296
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱296
- Interest a month, at most
- 1.48%
- All-in cost (EIR) a month, at most
- 2.3%
- Share of the loan
- 5.9%
Terms from Crawfort's Google Play listing, updated Sep 29, 2026. 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
Crawfort Disclosure Statement, worked out: ₱5,000 for 120 days
Crawfort 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 | 18% a year × 120/365 days × ₱5,000 | Crawfort's published maximum | ₱296 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱296 |
| Simple annual rate | Crawfort publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 18% |
| Late penalty, at most | 5% × ₱5,296 due | SEC MC No. 14 s.2025 Sec. 3 | ₱265 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 × ₱296, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱592 |
Should you borrow from Crawfort?
Skip Crawfort if
- you only borrow from apps the SEC list names: it records "crawfort.com.ph (FB page, used for marketing purposes only)" for this company, not the app.
Crawfort requirements, customer service and how to pay
- Requirements
- 18 years old or above
- cs@crawfort.com.ph
- Phone
- Not listed on its Google Play listing
- Pay through
- The channels shown in the app for your loan
As Crawfort lists them on its Google Play listing, updated Sep 29, 2026. Use only these channels or the app itself. Source
If you cannot pay Crawfort on time
If all ₱5,296 of a ₱5,000, 120-day Crawfort loan fell due unpaid, the penalty could be at most ₱265 a month, and interest, fees and penalties together could never pass ₱5,000. Crawfort Micro Lending Technologies Philippines Inc'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 Crawfort first at cs@crawfort.com.ph. If that fails, report Crawfort Micro Lending Technologies Philippines Inc 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.
This page covers Crawfort's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Crawfort first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Crawfort
Who owns Crawfort?
Crawfort Micro Lending Technologies Philippines Inc (SEC Reg. No. CS201906864), per the SEC list dated Sep 29, 2026.
What is Crawfort's interest rate?
Crawfort states (Crawfort's Google Play listing, updated Sep 29, 2026): "Annualized interest rate up to 18% (about 0.05% a day). Zero handling fees." On ₱5,000 for 120 days: interest of 1.48% a month and an all-in cost of 2.3% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Crawfort?
Crawfort lists (Crawfort's Google Play listing, updated Sep 29, 2026): 18 years old or above.
What is Crawfort's customer service number or e-mail?
E-mail: cs@crawfort.com.ph. As listed by Crawfort (Crawfort's Google Play listing, updated Sep 29, 2026).
Does Crawfort call your contacts?
Crawfort Micro Lending Technologies Philippines Inc 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 Crawfort at cs@crawfort.com.ph, then the SEC on 14732.
Lowest-cost recorded apps 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.