Is Credit Cash (Microdot) legit?
Yes. Credit Cash (Microdot) 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 "Credit Cash". The SEC lifted a cease and desist order against the company (SEC En Banc Case No. 09-25-014). SEC list of recorded online lending platforms, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Credit Cash" | 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 Credit Cash (Microdot)'s listing or the SEC list | SEC list, Sep 29, 2026 |
| Price published | No rate on Credit Cash (Microdot)'s website |
We could not confirm Credit Cash (Microdot)'s interest rate from the sources checked. Ask for the rate, all fees and total repayment in your Disclosure Statement before accepting a loan.
Next: ask Credit Cash (Microdot) for its Disclosure Statement before you accept, or compare apps that publish their price.
Not the same as Credit Cash (Hi-Fin Lending Inc, on the SEC list). Check the company name in the app before you borrow: Credit Cash (Microdot) here is Microdot Lending Corporation.
Should you borrow from Credit Cash (Microdot)?
Without a confirmed rate for Credit Cash (Microdot), we cannot tell whether it is cheaper than another lender. For comparison, Pocketcash (Elending)'s published terms give a cost of ₱300 for ₱5,000 over 120 days; compare this with your actual offer.
Skip Credit Cash (Microdot) if
- you need a confirmed total cost before applying: the sources checked do not provide a rate.
If you cannot pay Credit Cash (Microdot) on time
On Credit Cash (Microdot) 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 Peso listed as "Credit Peso"
- Cash Mabilis listed as "Cash Mabilis"
- Cash Baka listed as "Cash Baka"
- Go Peso (Microdot) listed as "Go Peso"
This page covers Credit Cash (Microdot)'s published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Credit Cash (Microdot) first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Credit Cash (Microdot)
Who owns Credit Cash (Microdot)?
Microdot Lending Corporation (SEC Reg. No. CS201951287), which also runs Credit Peso, Cash Mabilis, Cash Baka, Go Peso (Microdot), per the SEC list dated Sep 29, 2026.
Does Credit Cash (Microdot) 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.
Compare published costs for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
| App | Most you pay back | Lends | Approval needs | Downside |
|---|---|---|---|---|
| Pocketcash (Elending) | ₱5,30018% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees) | ₱1,000 to ₱50,00091 to 360 days | Resident of the Philippines; At least 18 years old | None in Pocketcash (Elending)'s published terms |
| Vplus | ₱5,30018% a year × 120/360 days × ₱5,000 = ₱300 interest | ₱1,000 to ₱50,00091 to 180 days | One valid ID | None in Vplus's published terms |
| Pesos.ph | ₱5,39524% a year × 120/365 days × ₱5,000 = ₱395 interest | ₱1,500 to ₱50,00091 to 180 days | At least 18 years old | None in Pesos.ph's published terms |
