Is First Circle legit?
Yes. First Circle's website is on the SEC list of recorded online lending platforms. It is run by First Circle Growth Finance Corp (SEC Reg. No. CS201605477, CA No. 1108). The SEC list dated Sep 29, 2026 records "www.my.firstcircle.ph", "www.firstcircle.ph". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, its website "www.my.firstcircle.ph", "www.firstcircle.ph" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | First Circle Growth Finance Corp, CS201605477 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1108 (as printed by First Circle) | Its website |
| Price published | No rate on First Circle's website | |
| Loan amount and term | Up to ₱25,000,000 | Its published terms |
First Circle publishes no interest rate, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask First Circle for its Disclosure Statement before you accept, or compare apps that publish their price. Official site: firstcircle.ph.
Non-collateral credit lines for Filipino companies.
Should you borrow from First Circle?
You see First Circle's price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Choose First Circle if
- you need up to ₱25,000,000.
Skip First Circle if
- you want to know the cost before you apply: it publishes no rate.
If you cannot pay First Circle on time
On First Circle 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. First Circle Growth Finance 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).
If that fails, report First Circle Growth Finance 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 First Circle's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact First Circle first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about First Circle
Who owns First Circle?
First Circle Growth Finance Corp (SEC Reg. No. CS201605477), per the SEC list dated Sep 29, 2026.
Does First Circle call your contacts?
First Circle Growth Finance 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). Report it to 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.