Is FRESHAPP legit?
FRESHAPP 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 Just Smile Lending Corporation (SEC Reg. No. CS202011342, CA No. 3379). The SEC list dated Sep 29, 2026 records it as "FRESHAPP". The SEC lifted an order of revocation against the company (FinLenD Resolution No. 2025-21). 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 "FRESHAPP" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Just Smile Lending Corporation, CS202011342 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3379 (as printed by FRESHAPP) | Google Play, updated Sep 1, 2026 |
| Price published | Yes: Maximum annual interest rate (APR) 144%; service fee ₱0. | Google Play, updated Sep 1, 2026 |
| Loan amount and term | ₱1,000 to ₱50,000, over 91 to 365 days | Google Play, updated Sep 1, 2026 |
| Google Play rating | 4.8 of 5 from 3,633 ratings, 100K+ installs, as of Oct 2, 2026 | Google Play, updated Sep 1, 2026 |
On ₱5,000 for 120 days, FRESHAPP's published terms come to at most ₱2,400 in interest and fees: interest of 12% a month and an all-in cost of 17.8% a month, higher because you repay in instalments but pay interest on the original amount the whole time. FRESHAPP on Google Play, updated Sep 1, 2026
Working: 144% a year × 120/360 days × ₱5,000 = ₱2,400 interest. 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: interest 12% a month against the 6% cap (above it); 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 FRESHAPP with the other recorded apps, or get it from its official Google Play listing.
FRESHAPP interest rate and what you pay back
Maximum annual interest rate (APR) 144%; service fee ₱0.Its own example, ₱10,000 for 120 days
Total Interest fee:₱10000 * 12% * 4 = ₱4800; Total repayment:₱14800
- You pay back
- Up to ₱7,400
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱2,400
- Interest a month, at most
- 12%
- All-in cost (EIR) a month, at most
- 17.8%
- Share of the loan
- 48%
Stated interest of 12% a month is above the 6% nominal cap.
Terms from FRESHAPP's Google Play listing, updated Sep 1, 2026. The calculator gives the same ₱14,800 for FRESHAPP'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
FRESHAPP Disclosure Statement, worked out: ₱5,000 for 120 days
FRESHAPP 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 | 144% a year × 120/360 days × ₱5,000 | FRESHAPP's published maximum | ₱2,400 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱2,400 |
| Simple annual rate | FRESHAPP 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 FRESHAPP?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱2,100 less than FRESHAPP's published maximum of ₱2,400.
Choose FRESHAPP if
- you want to spread payments over as long as 365 days.
- you need up to ₱50,000.
Skip FRESHAPP 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".
FRESHAPP requirements, customer service and how to pay
- Requirements
- Filipino citizen; At least 18 years old; Valid government-issued ID; Active mobile number; Stable source of income
- support@justsmiletech.com
- Phone
- Not listed on its Google Play listing
- Hours
- 9:00 AM to 6:00 PM
- Pay through
- The channels shown in the app for your loan
As FRESHAPP lists them on its Google Play listing, updated Sep 1, 2026. Use only these channels or the app itself. Source
If you cannot pay FRESHAPP on time
If all ₱7,400 of a ₱5,000, 120-day FRESHAPP loan fell due unpaid, the penalty could be at most ₱370 a month, and interest, fees and penalties together could never pass ₱5,000. Just Smile 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).
Complain to FRESHAPP first at support@justsmiletech.com. If that fails, report Just Smile 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.
This page covers FRESHAPP's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact FRESHAPP first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about FRESHAPP
Who owns FRESHAPP?
Just Smile Lending Corporation (SEC Reg. No. CS202011342), per the SEC list dated Sep 29, 2026.
What is FRESHAPP's interest rate?
FRESHAPP states (FRESHAPP's Google Play listing, updated Sep 1, 2026): "Maximum annual interest rate (APR) 144%; service fee ₱0." On ₱5,000 for 120 days: interest of 12% a month and an all-in cost of 17.8% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for FRESHAPP?
FRESHAPP lists (FRESHAPP's Google Play listing, updated Sep 1, 2026): Filipino citizen; At least 18 years old; Valid government-issued ID; Active mobile number; Stable source of income.
What is FRESHAPP's customer service number or e-mail?
E-mail: support@justsmiletech.com. Hours: 9:00 AM to 6:00 PM. As listed by FRESHAPP (FRESHAPP's Google Play listing, updated Sep 1, 2026).
Does FRESHAPP call your contacts?
Just Smile 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). Raise it with FRESHAPP at support@justsmiletech.com, then the SEC on 14732.
Cheaper than FRESHAPP 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.