Is Lendra legit?
Yes. Lendra is on the SEC list of recorded online lending platforms. It is run by LENDORA LENDING CORP (SEC Reg. No. CS201916340, CA No. 3101). The SEC list dated Sep 29, 2026 records it as "Lendra". The company was formerly Treasure Bowl Fintech Lending Corp (SEC list remarks). SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Lendra" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | LENDORA LENDING CORP., CS201916340 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3101 (as printed by Lendra) | Google Play, updated Sep 11, 2026 |
| SEC notices naming the app or lookalikes | 1 document, latest SEC advisory on Zippeso of Jun 9, 2026 | SEC, Jun 9, 2026 |
| Price published | Yes: Maximum APR 86%, combining annualized interest and service fee. | Google Play, updated Sep 11, 2026 |
| Loan amount and term | ₱2,000 to ₱60,000, over 91 to 150 days | Google Play, updated Sep 11, 2026 |
| Google Play rating | 4.4 of 5 from 340 ratings, 50K+ installs, as of Oct 2, 2026 | Google Play, updated Sep 11, 2026 |
On ₱5,000 for 120 days, Lendra's published terms come to at most ₱1,414 in interest and fees: Lendra states a combined interest-and-fees rate of 7.1% a month, which works out to an all-in cost of 10.8% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time. Lendra on Google Play, updated Sep 11, 2026
Working: 86% a year × 120/365 days × ₱5,000 = ₱1,414 (interest and fees). The all-in rate is the monthly rate at which 4 payments of ₱1,603 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: no separate interest rate to test against the 6% cap; all-in 10.8% 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 Lendra with the other recorded apps, or get it from its official Google Play listing.
Lendra interest rate and what you pay back
Maximum APR 86%, combining annualized interest and service fee.Its own example, ₱6,000 for 120 days
Total repayment amount: ₱6,000 + ₱473.42 + ₱710.13 = ₱7,183.55
- You pay back
- Up to ₱6,414
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱1,414
- All-in cost (EIR) a month, at most
- 10.8%
- Share of the loan
- 28.3%
Terms from Lendra's Google Play listing, updated Sep 11, 2026. The calculator gives the same ₱7,184 for Lendra'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
Lendra Disclosure Statement, worked out: ₱5,000 for 120 days
Lendra 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 and fees (one combined rate) | 86% a year × 120/365 days × ₱5,000 | Lendra's published maximum | ₱1,414 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱1,414 |
| Simple annual rate | Lendra publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 86% |
| Late penalty, at most | 5% × ₱6,414 due | SEC MC No. 14 s.2025 Sec. 3 | ₱321 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 × ₱1,414, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from Lendra?
For ₱5,000 over 120 days, HappyPera2 costs at most ₱395, which is ₱1,019 less than Lendra's published maximum of ₱1,414.
Choose Lendra if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you need up to ₱60,000.
Skip Lendra if
- you have no regular income: it asks for "stable source of income".
Lendra requirements, customer service and how to pay
- Requirements
- Philippine citizen, at least 18 years old; Valid government-issued ID; Stable source of income
- support@lendraph.com, complaint@lendraph.com
- Phone
- 0285143994, 09566184329
- Hours
- Monday to Sunday, 9:00 AM to 6:00 PM
- Pay through
- The channels shown in the app for your loan
As Lendra lists them on its Google Play listing, updated Sep 11, 2026. Use only these channels or the app itself. Source
If you cannot pay Lendra on time
If all ₱6,414 of a ₱5,000, 120-day Lendra loan fell due unpaid, the penalty could be at most ₱321 a month, and interest, fees and penalties together could never pass ₱5,000. LENDORA LENDING 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 Lendra first at complaint@lendraph.com. If that fails, report LENDORA LENDING 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.
Other apps from LENDORA LENDING CORP
LENDORA LENDING CORP runs 2 apps on the SEC list. They share one SEC registration and one Certificate of Authority, so a complaint about any of them goes against the same company.
- Finplo listed as "Finplo"
Lendra regulatory history
- Jun 9, 2026The SEC warned about fakes using this name: Zippeso, a former app name of Lendora Lending Corp. now used by an app it does not run. They are not run by LENDORA LENDING CORP. Source
This page covers Lendra's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Lendra first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Lendra
Who owns Lendra?
LENDORA LENDING CORP (SEC Reg. No. CS201916340), which also runs Finplo, per the SEC list dated Sep 29, 2026.
What is Lendra's interest rate?
Lendra states (Lendra's Google Play listing, updated Sep 11, 2026): "Maximum APR 86%, combining annualized interest and service fee." On ₱5,000 for 120 days: Lendra states a combined interest-and-fees rate of 7.1% a month, which works out to an all-in cost of 10.8% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Lendra?
Lendra lists (Lendra's Google Play listing, updated Sep 11, 2026): Philippine citizen, at least 18 years old; Valid government-issued ID; Stable source of income.
What is Lendra's customer service number or e-mail?
Phone: 0285143994, 09566184329. E-mail: support@lendraph.com, complaint@lendraph.com. Hours: Monday to Sunday, 9:00 AM to 6:00 PM. As listed by Lendra (Lendra's Google Play listing, updated Sep 11, 2026).
Does Lendra call your contacts?
LENDORA LENDING 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 Lendra at support@lendraph.com, then the SEC on 14732.
Cheaper than Lendra for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- HappyPera2: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,000 to ₱100,000. Downside: skip it if you have no regular income: it asks for "steady source of income".
- Loanova: at most ₱480 in interest and fees (29.2% a year × 120/365 days × ₱5,000 = ₱480 interest); lends ₱4,000 to ₱100,000. Downside: skip it if you have no regular income: it asks for "active phone number and regular income".
- Lpeso: at most ₱480 in interest and fees (29.2% a year × 120/365 days × ₱5,000 = ₱480 interest); lends ₱3,000 to ₱60,000. Downside: skip it if you have no regular income: it asks for "verifiable source of income".