Is FT Lending legit?
Yes. FT Lending is on the SEC list of recorded online lending platforms. It is run by FT Lending Master Philippines Corp (SEC Reg. No. CS201910863, CA No. 3025). The SEC list dated Sep 29, 2026 records it as "FT Lending". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "FT Lending" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | FT Lending Master Philippines Corp, CS201910863 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3025 (as printed by FT Lending) | Google Play, updated Aug 25, 2026 |
| Price published | Yes: Maximum APR 36%; transaction fee 0. | Google Play, updated Aug 25, 2026 |
| Loan amount and term | ₱2,000 to ₱30,000, over 120 to 180 days | Google Play, updated Aug 25, 2026 |
| Google Play rating | 4.5 of 5 from 59,372 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated Aug 25, 2026 |
On ₱5,000 for 120 days, FT Lending's published terms come to at most ₱600 in interest and fees: interest of 3% a month and an all-in cost of 4.7% a month, higher because you repay in instalments but pay interest on the original amount the whole time. FT Lending on Google Play, updated Aug 25, 2026
Working: 36% a year × 120/360 days × ₱5,000 = ₱600 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,400 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 3% a month against the 6% cap; all-in 4.7% a month against the 12% cap (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 FT Lending with the other recorded apps, or get it from its official Google Play listing.
FT Lending interest rate and what you pay back
Maximum APR 36%; transaction fee 0.Its own example, ₱5,000 for 120 days
Total repayment: ₱5,000*18%/360*120+₱5,000=₱5,300
- You pay back
- Up to ₱5,600
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱600
- Interest a month, at most
- 3%
- All-in cost (EIR) a month, at most
- 4.7%
- Share of the loan
- 12%
Terms from FT Lending's Google Play listing, updated Aug 25, 2026. The calculator gives the same ₱5,300 for FT Lending'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
FT Lending Disclosure Statement, worked out: ₱5,000 for 120 days
FT Lending 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 | 36% a year × 120/360 days × ₱5,000 | FT Lending's published maximum | ₱600 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱600 |
| Simple annual rate | FT Lending publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 36% |
| Late penalty, at most | 5% × ₱5,600 due | SEC MC No. 14 s.2025 Sec. 3 | ₱280 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 × ₱600, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱1,200 |
Should you borrow from FT Lending?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱300 less than FT Lending's published maximum of ₱600.
Choose FT Lending if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
FT Lending requirements, customer service and how to pay
- Requirements
- Filipino resident; Aged 18 to 60; At least one valid ID; Active mobile number
- cs@ftlending.ph
- Phone
- (02) 8540 2205
- Pay through
- The channels shown in the app for your loan
As FT Lending lists them on its Google Play listing, updated Aug 25, 2026. Use only these channels or the app itself. Source
If you cannot pay FT Lending on time
If all ₱5,600 of a ₱5,000, 120-day FT Lending loan fell due unpaid, the penalty could be at most ₱280 a month, and interest, fees and penalties together could never pass ₱5,000. FT Lending Master Philippines 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 FT Lending first at cs@ftlending.ph or (02) 8540 2205. If that fails, report FT Lending Master Philippines 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 FT Lending's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact FT Lending first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about FT Lending
Who owns FT Lending?
FT Lending Master Philippines Corp (SEC Reg. No. CS201910863), per the SEC list dated Sep 29, 2026.
What is FT Lending's interest rate?
FT Lending states (FT Lending's Google Play listing, updated Aug 25, 2026): "Maximum APR 36%; transaction fee 0." On ₱5,000 for 120 days: interest of 3% a month and an all-in cost of 4.7% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for FT Lending?
FT Lending lists (FT Lending's Google Play listing, updated Aug 25, 2026): Filipino resident; Aged 18 to 60; At least one valid ID; Active mobile number.
What is FT Lending's customer service number or e-mail?
Phone: (02) 8540 2205. E-mail: cs@ftlending.ph. As listed by FT Lending (FT Lending's Google Play listing, updated Aug 25, 2026).
Does FT Lending call your contacts?
FT Lending Master Philippines 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 FT Lending at cs@ftlending.ph, then the SEC on 14732.
Cheaper than FT Lending 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.