Is Easy Borrow legit?
Easy Borrow is on the SEC list, but its published top rate is above the SEC caps on a ₱5,000, 120-day loan. It is run by Wing of Integrity Lending Corp (SEC Reg. No. CS201916097, CA No. 3103). The SEC list dated Sep 29, 2026 records it as "Eeasy Borrow". Being registered does not make every charge lawful: a charge above the caps can be reported to the SEC. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Eeasy Borrow" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Wing of Integrity Lending Corp., CS201916097 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3103 (as printed by Easy Borrow) | Google Play, updated Aug 6, 2026 |
| Price published | Yes: Daily interest rate 0.3%; maximum APR 108% including all applicable fees. | Google Play, updated Aug 6, 2026 |
| Loan amount and term | 91 to 120 days | Google Play, updated Aug 6, 2026 |
| Google Play rating | 4.6 of 5 from 108,015 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated Aug 6, 2026 |
On ₱5,000 for 120 days, Easy Borrow's published terms come to at most ₱1,800 in interest and fees: interest of 9% a month and an all-in cost of 13.5% a month, higher because you repay in instalments but pay interest on the original amount the whole time. Easy Borrow on Google Play, updated Aug 6, 2026
Working: 0.3% a day × 120 days × ₱5,000 = ₱1,800 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,700 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: interest 9% a month against the 6% cap (above it); all-in 13.5% a month against the 12% cap (above it) (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 Easy Borrow with the other recorded apps, or get it from its official Google Play listing.
Easy Borrow interest rate and what you pay back
Daily interest rate 0.3%; maximum APR 108% including all applicable fees.Its own example, ₱8,000 for 100 days
Total repayment: ₱8,000+₱2,400=₱10,400
- You pay back
- Up to ₱6,800
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱1,800
- Interest a month, at most
- 9%
- All-in cost (EIR) a month, at most
- 13.5%
- Share of the loan
- 36%
Stated interest of 9% a month is above the 6% nominal cap.
Terms from Easy Borrow's Google Play listing, updated Aug 6, 2026. The calculator gives the same ₱10,400 for Easy Borrow'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
Easy Borrow Disclosure Statement, worked out: ₱5,000 for 120 days
Easy Borrow 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 | 0.3% a day × 120 days × ₱5,000 | Easy Borrow's published maximum | ₱1,800 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱1,800 |
| Simple annual rate | Easy Borrow publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 108% |
| Late penalty, at most | 5% × ₱6,800 due | SEC MC No. 14 s.2025 Sec. 3 | ₱340 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 × ₱1,800, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from Easy Borrow?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱1,500 less than Easy Borrow's published maximum of ₱1,800.
Skip Easy Borrow if
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
- you need more than 120 days to repay.
Easy Borrow requirements, customer service and how to pay
- Requirements
- Not listed on its Google Play listing
- contact@easyborrowapp.com
- Phone
- +63 9701747912
- Pay through
- The channels shown in the app for your loan
As Easy Borrow lists them on its Google Play listing, updated Aug 6, 2026. Use only these channels or the app itself. Source
If you cannot pay Easy Borrow on time
If all ₱6,800 of a ₱5,000, 120-day Easy Borrow loan fell due unpaid, the penalty could be at most ₱340 a month, and interest, fees and penalties together could never pass ₱5,000. Wing of Integrity Lending 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 Easy Borrow first at contact@easyborrowapp.com or +63 9701747912. If that fails, report Wing of Integrity Lending 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.
Other apps from Wing of Integrity Lending Corp
Wing of Integrity Lending Corp runs 2 apps on the SEC list. They share one SEC registration and one Certificate of Authority, so a complaint about any of them goes against the same company.
- Bene listed as "Bene"
This page covers Easy Borrow's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Easy Borrow first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Easy Borrow
Who owns Easy Borrow?
Wing of Integrity Lending Corp (SEC Reg. No. CS201916097), which also runs Bene, per the SEC list dated Sep 29, 2026.
What is Easy Borrow's interest rate?
Easy Borrow states (Easy Borrow's Google Play listing, updated Aug 6, 2026): "Daily interest rate 0.3%; maximum APR 108% including all applicable fees." On ₱5,000 for 120 days: interest of 9% a month and an all-in cost of 13.5% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What is Easy Borrow's customer service number or e-mail?
Phone: +63 9701747912. E-mail: contact@easyborrowapp.com. As listed by Easy Borrow (Easy Borrow's Google Play listing, updated Aug 6, 2026).
Does Easy Borrow call your contacts?
Wing of Integrity Lending 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 Easy Borrow at contact@easyborrowapp.com, then the SEC on 14732.
Cheaper than Easy Borrow 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.