Is GrabFinance Cash Loan legit?
Yes. GrabFinance Cash Loan is on the SEC list of recorded online lending platforms. It is run by Grab Financial Services Philippines, Inc (SEC Reg. No. CS201905977, CA No. 12010). The SEC list dated Sep 29, 2026 records it as "GrabFinance (website)", "Grab Finance (within the Grab application)". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "GrabFinance (website)", "Grab Finance (within the Grab application)" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Grab Financial Services Philippines, Inc., CS201905977 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 12010 | SEC list, Sep 29, 2026 |
| Price published | Yes: From 2.99% a month; processing fee up to 2%. | Its published terms |
| Loan amount and term | Up to ₱50,000, over Up to 90 days | Its published terms |
| Google Play rating | 4.8 of 5 from 16,735,748 ratings, 100M+ installs, as of Oct 2, 2026 | Google Play listing |
On ₱5,000 for 90 days, GrabFinance Cash Loan's lowest published rate comes to ₱449 in interest and fees: interest of 2.99% a month and an all-in cost of 4.4% a month, higher because its processing fee comes off the cash, so you get ₱5,000 but repay on ₱5,000, and you repay in instalments but pay interest on the original amount the whole time. It does not publish the most it can charge. GrabFinance Cash Loan's published terms
Working: 2.99% a month × 90/30 × ₱5,000 = ₱449 interest. The all-in rate is the monthly rate at which 3 payments of ₱1,816 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Next: check the worked Disclosure Statement below, then compare GrabFinance Cash Loan with the other recorded apps, or get it from its official Google Play listing.
GrabFinance Cash Loan interest rate and what you pay back
From 2.99% a month; processing fee up to 2%.
- You pay back
- From ₱5,449
- Cash you receive
- ₱5,000
- Interest and fees
- From ₱449
Terms as GrabFinance Cash Loan publishes them. Documentary stamp tax on a ₱5,000 loan for 90 days is about ₱9.25 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
GrabFinance Cash Loan Disclosure Statement, worked out: ₱5,000 for 90 days
GrabFinance Cash Loan 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 lowest published rate; 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 | 2.99% a month × 90/30 × ₱5,000 | GrabFinance Cash Loan's published lowest rate | ₱449 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱449 |
| Late penalty, at most | 5% × ₱5,449 due | SEC MC No. 14 s.2025 Sec. 3 | ₱272 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 × 90/365 | NIRC Sec. 179, as amended by RA 10963 | ₱9.25 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱449, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱897 |
Should you borrow from GrabFinance Cash Loan?
GrabFinance Cash Loan publishes only its lowest rate; Atome publishes a maximum of ₱444 for ₱5,000 over 90 days.
Choose GrabFinance Cash Loan if
- you need up to ₱50,000.
Skip GrabFinance Cash Loan if
- you need more than 90 days to repay.
GrabFinance Cash Loan requirements, customer service and how to pay
- Requirements
- Not listed on its Google Play listing
- support@grab.com
- Phone
- Not listed on its Google Play listing
- Pay through
- The channels shown in the app for your loan
As GrabFinance Cash Loan lists them on its Google Play listing. Use only these channels or the app itself. Source
If you cannot pay GrabFinance Cash Loan on time
On GrabFinance Cash Loan 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. Grab Financial Services Philippines, Inc'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 Grab Financial Services Philippines, Inc 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 GrabFinance Cash Loan's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact GrabFinance Cash Loan first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about GrabFinance Cash Loan
Who owns GrabFinance Cash Loan?
Grab Financial Services Philippines, Inc (SEC Reg. No. CS201905977), per the SEC list dated Sep 29, 2026.
What is GrabFinance Cash Loan's interest rate?
GrabFinance Cash Loan states: "From 2.99% a month; processing fee up to 2%."
What is GrabFinance Cash Loan's customer service number or e-mail?
E-mail: support@grab.com. As listed by GrabFinance Cash Loan.
Does GrabFinance Cash Loan call your contacts?
Grab Financial Services Philippines, Inc 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 GrabFinance Cash Loan at support@grab.com, then the SEC on 14732.
Cheaper than GrabFinance Cash Loan for ₱5,000 over 90 days
No lender pays to appear on this site or to change its position.
- Atome: at most ₱444 in interest and fees (36% a year × 90/365 days × ₱5,000 = ₱444 interest); lends up to ₱55,000.
- Kredivo: at most ₱599 in interest and fees (3.99% a month × 90/30 × ₱5,000 = ₱599 interest); lends up to ₱50,000.
- BillEase: at most ₱1,024 in interest and fees (3.49% a month × 90/30 × ₱5,000 = ₱524 interest; service charge 10% × ₱5,000 = ₱500); lends ₱500 to ₱50,000.