Is JACCS Finance legit?
Yes. JACCS Finance's website is on the SEC list of recorded online lending platforms. It is run by JACCS Finance Philippines Corporation (SEC Reg. No. CS201610866). The SEC list dated Sep 29, 2026 records "www. jaccs.com.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. jaccs.com.ph" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | JACCS Finance Philippines Corporation, CS201610866 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | Not on JACCS Finance's listing or the SEC list | SEC list, Sep 29, 2026 |
| SEC notices naming the app or lookalikes | 1 document, latest SEC advisory on Bear Cash of Jun 17, 2026 | SEC, Jun 17, 2026 |
| Price published | No rate on JACCS Finance's website |
JACCS Finance publishes no interest rate, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask JACCS Finance for its Disclosure Statement before you accept, or compare apps that publish their price. Official site: jaccs.com.ph.
Should you borrow from JACCS Finance?
You see JACCS Finance's price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Skip JACCS Finance if
- you want to know the cost before you apply: it publishes no rate.
If you cannot pay JACCS Finance on time
On JACCS Finance 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. JACCS Finance Philippines 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).
If that fails, report JACCS Finance Philippines 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.
JACCS Finance regulatory history
- Jun 17, 2026The SEC warned about fakes using this name: the Bear Cash app and the website jaaccs.com. They are not run by JACCS Finance Philippines Corporation. Source
This page covers JACCS Finance's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact JACCS Finance first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about JACCS Finance
Who owns JACCS Finance?
JACCS Finance Philippines Corporation (SEC Reg. No. CS201610866), per the SEC list dated Sep 29, 2026.
Does JACCS Finance call your contacts?
JACCS Finance Philippines 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). Report it to the SEC on 14732.
Cheaper than JACCS Finance 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.