Is Fido legit?
Fido 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 Fidoph Lending Corp (SEC Reg. No. CS201825101, CA No. 2832). The SEC list dated Sep 29, 2026 records it as "Fido Philippines", "www. Fido.ph". 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 "Fido Philippines", "www. Fido.ph" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Fidoph Lending Corp., CS201825101 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 2832 (as printed by Fido) | Google Play, updated Aug 25, 2026 |
| Price published | Yes: Maximum APR 144%. Its example charges 0.1% a day interest plus a 0.233% a day service fee. | Google Play, updated Aug 25, 2026 |
| Loan amount and term | ₱1,000 to ₱100,000, over 61 to 360 days | Google Play, updated Aug 25, 2026 |
| Google Play rating | 4.7 of 5 from 62,821 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated Aug 25, 2026 |
On ₱5,000 for 120 days, Fido's published terms come to at most ₱2,400 in interest and fees: Fido states a combined interest-and-fees rate of 12% a month, which works out to an all-in cost of 17.8% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time. Fido on Google Play, updated Aug 25, 2026
Working: 144% a year × 120/360 days × ₱5,000 = ₱2,400 (interest and fees). The all-in rate is the monthly rate at which 4 payments of ₱1,850 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: no separate interest rate to test against the 6% cap; all-in 17.8% 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 Fido with the other recorded apps, or get it from its official Google Play listing.
Fido interest rate and what you pay back
Maximum APR 144%. Its example charges 0.1% a day interest plus a 0.233% a day service fee.Its own example, ₱50,000 for 90 days
Total repayment amount: P50,000+P4,500+P10,485 = P64,985
- You pay back
- Up to ₱7,400
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱2,400
- All-in cost (EIR) a month, at most
- 17.8%
- Share of the loan
- 48%
Terms from Fido's Google Play listing, updated Aug 25, 2026. The calculator gives the same ₱64,985 for Fido'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
Fido Disclosure Statement, worked out: ₱5,000 for 120 days
Fido 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 and fees (one combined rate) | 144% a year × 120/360 days × ₱5,000 | Fido's published maximum | ₱2,400 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱2,400 |
| Simple annual rate | Fido publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 144% |
| Late penalty, at most | 5% × ₱7,400 due | SEC MC No. 14 s.2025 Sec. 3 | ₱370 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 × ₱2,400, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from Fido?
For ₱5,000 over 120 days, HappyPera2 costs at most ₱395, which is ₱2,005 less than Fido's published maximum of ₱2,400.
Choose Fido if
- you want to spread payments over as long as 360 days.
- you need up to ₱100,000.
Skip Fido if
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
- you have no regular income: it asks for "stable source of income".
Fido requirements, customer service and how to pay
- Requirements
- 18 years of age or older; Filipino citizen with a government-issued ID; Valid Philippine bank account or e-wallet; Stable source of income
- support@fido.ph
- Phone
- +63 9171080876
- Pay through
- The channels shown in the app for your loan
As Fido lists them on its Google Play listing, updated Aug 25, 2026. Use only these channels or the app itself. Source
If you cannot pay Fido on time
If all ₱7,400 of a ₱5,000, 120-day Fido loan fell due unpaid, the penalty could be at most ₱370 a month, and interest, fees and penalties together could never pass ₱5,000. Fidoph 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 Fido first at support@fido.ph or +63 9171080876. If that fails, report Fidoph 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.
This page covers Fido's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Fido first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Fido
Who owns Fido?
Fidoph Lending Corp (SEC Reg. No. CS201825101), per the SEC list dated Sep 29, 2026.
What is Fido's interest rate?
Fido states (Fido's Google Play listing, updated Aug 25, 2026): "Maximum APR 144%. Its example charges 0.1% a day interest plus a 0.233% a day service fee." On ₱5,000 for 120 days: Fido states a combined interest-and-fees rate of 12% a month, which works out to an all-in cost of 17.8% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Fido?
Fido lists (Fido's Google Play listing, updated Aug 25, 2026): 18 years of age or older; Filipino citizen with a government-issued ID; Valid Philippine bank account or e-wallet; Stable source of income.
What is Fido's customer service number or e-mail?
Phone: +63 9171080876. E-mail: support@fido.ph. As listed by Fido (Fido's Google Play listing, updated Aug 25, 2026).
Does Fido call your contacts?
Fidoph 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 Fido at support@fido.ph, then the SEC on 14732.
Cheaper than Fido for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- HappyPera2: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,000 to ₱100,000. Downside: skip it if you have no regular income: it asks for "steady source of income".
- Loanova: at most ₱480 in interest and fees (29.2% a year × 120/365 days × ₱5,000 = ₱480 interest); lends ₱4,000 to ₱100,000. Downside: skip it if you have no regular income: it asks for "active phone number and regular income".
- Pesoloan: at most ₱510 in interest and fees (31% a year × 120/365 days × ₱5,000 = ₱510 interest); lends ₱1,000 to ₱100,000.