Is HiCASH legit?
Yes. HiCASH is on the SEC list of recorded online lending platforms. It is run by HT Financial lending Services (PH) Corp (SEC Reg. No. CS201905455). The SEC list dated Sep 29, 2026 records it as "HiCASH Website", "HiCASH". The SEC list notes these platforms were previously delisted for inactivity. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "HiCASH Website", "HiCASH" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | HT Financial lending Services (PH) Corp, CS201905455 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | Not on HiCASH's listing or the SEC list | SEC list, Sep 29, 2026 |
| Price published | No rate on HiCASH's website |
HiCASH publishes no interest rate, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask HiCASH for its Disclosure Statement before you accept, or compare apps that publish their price.
Should you borrow from HiCASH?
You see HiCASH's price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Skip HiCASH if
- you want to know the cost before you apply: it publishes no rate.
If you cannot pay HiCASH on time
On HiCASH 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. HT Financial lending Services (PH) 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 HT Financial lending Services (PH) 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 HiCASH's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact HiCASH first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about HiCASH
Who owns HiCASH?
HT Financial lending Services (PH) Corp (SEC Reg. No. CS201905455), per the SEC list dated Sep 29, 2026.
Does HiCASH call your contacts?
HT Financial lending Services (PH) 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.
Cheaper than HiCASH 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.