Is LF Lending legit?
LF Lending is on the SEC list, but its published top rate is above the SEC caps on a ₱5,000, 120-day loan. It is run by Lf Lending Services Corporation (SEC Reg. No. CS202001294, CA No. 3225). The SEC list dated Sep 29, 2026 records it as "LF Lending". Being registered does not make every charge lawful: a charge above the caps can be reported to the SEC. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "LF Lending" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Lf Lending Services Corporation, CS202001294 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3225 (as printed by LF Lending) | Google Play, updated Sep 7, 2026 |
| Price published | Yes: Maximum monthly EIR 12%; maximum APR 144%; transaction fee ₱0. | Google Play, updated Sep 7, 2026 |
| Loan amount and term | ₱2,000 to ₱50,000, over 91 to 180 days | Google Play, updated Sep 7, 2026 |
| Google Play rating | 4.7 of 5 from 61,780 ratings, 100K+ installs, as of Oct 2, 2026 | Google Play, updated Sep 7, 2026 |
On ₱5,000 for 120 days, LF Lending's published terms come to at most ₱2,400 in interest and fees: interest of 12% a month and an all-in cost of 17.8% a month, higher because you repay in instalments but pay interest on the original amount the whole time. LF Lending states a monthly EIR of 12%, counting its charges against the original amount; SEC MC No. 14 s.2025 Sec. 2(d) defines EIR as the rate that discounts the payments to the net proceeds, which over 4 payments gives 17.8%. LF Lending on Google Play, updated Sep 7, 2026
Working: 144% a year × 120/360 days × ₱5,000 = ₱2,400 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,850 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: interest 12% a month against the 6% cap (above it); all-in 17.8% a month against the 12% cap (above it) (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 LF Lending with the other recorded apps, or get it from its official Google Play listing.
LF Lending interest rate and what you pay back
Maximum monthly EIR 12%; maximum APR 144%; transaction fee ₱0.Its own example, ₱10,000 for 120 days
Total Interest Fee: ₱10,000 * 12% * 4 months = ₱4,800
- You pay back
- Up to ₱7,400
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱2,400
- Interest a month, at most
- 12%
- All-in cost (EIR) a month, at most
- 17.8%
- Share of the loan
- 48%
Stated interest of 12% a month is above the 6% nominal cap.
Terms from LF Lending's Google Play listing, updated Sep 7, 2026. The calculator gives the same ₱14,800 for LF 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
LF Lending Disclosure Statement, worked out: ₱5,000 for 120 days
LF 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 | 144% a year × 120/360 days × ₱5,000 | LF Lending's published maximum | ₱2,400 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱2,400 |
| Simple annual rate | LF Lending publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 144% |
| Late penalty, at most | 5% × ₱7,400 due | SEC MC No. 14 s.2025 Sec. 3 | ₱370 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 × ₱2,400, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from LF Lending?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱2,100 less than LF Lending's published maximum of ₱2,400.
Choose LF Lending if
- you need up to ₱50,000.
Skip LF Lending if
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
- you have no regular income: it asks for "stable income or steady employment".
LF Lending requirements, customer service and how to pay
- Requirements
- Filipino citizen living in the Philippines; 18 years old and above; At least one valid government-issued ID; Stable income or steady employment
- customerservice@lflendingservices.com
- Phone
- Not listed on its Google Play listing
- Hours
- Monday to Saturday, 9:00 AM to 6:00 PM
- Pay through
- The channels shown in the app for your loan
As LF Lending lists them on its Google Play listing, updated Sep 7, 2026. Use only these channels or the app itself. Source
If you cannot pay LF Lending on time
If all ₱7,400 of a ₱5,000, 120-day LF Lending loan fell due unpaid, the penalty could be at most ₱370 a month, and interest, fees and penalties together could never pass ₱5,000. Lf Lending Services 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).
Complain to LF Lending first at customerservice@lflendingservices.com. If that fails, report Lf Lending Services 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.
This page covers LF Lending's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact LF Lending first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about LF Lending
Who owns LF Lending?
Lf Lending Services Corporation (SEC Reg. No. CS202001294), per the SEC list dated Sep 29, 2026.
What is LF Lending's interest rate?
LF Lending states (LF Lending's Google Play listing, updated Sep 7, 2026): "Maximum monthly EIR 12%; maximum APR 144%; transaction fee ₱0." On ₱5,000 for 120 days: interest of 12% a month and an all-in cost of 17.8% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for LF Lending?
LF Lending lists (LF Lending's Google Play listing, updated Sep 7, 2026): Filipino citizen living in the Philippines; 18 years old and above; At least one valid government-issued ID; Stable income or steady employment.
What is LF Lending's customer service number or e-mail?
E-mail: customerservice@lflendingservices.com. Hours: Monday to Saturday, 9:00 AM to 6:00 PM. As listed by LF Lending (LF Lending's Google Play listing, updated Sep 7, 2026).
Does LF Lending call your contacts?
Lf Lending Services 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). Raise it with LF Lending at customerservice@lflendingservices.com, then the SEC on 14732.
Cheaper than LF 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.