Is Light Kredit legit?
Yes. Light Kredit is on the SEC list of recorded online lending platforms. It is run by Prima Fintech (Philippines) Lending Corporation (SEC Reg. No. CS201951100). The SEC list dated Sep 29, 2026 records it as "Light Kredit". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Light Kredit" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Prima Fintech (Philippines) Lending Corporation, CS201951100 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | Not on Light Kredit's listing or the SEC list | SEC list, Sep 29, 2026 |
| SEC notices naming the app or lookalikes | 1 document, latest SEC cease and desist order of Oct 24, 2019 | SEC, Oct 24, 2019 |
| Price published | No rate on Light Kredit's website |
Light Kredit publishes no interest rate, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask Light Kredit for its Disclosure Statement before you accept, or compare apps that publish their price.
Should you borrow from Light Kredit?
You see Light Kredit's price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Skip Light Kredit if
- you want to know the cost before you apply: it publishes no rate.
If you cannot pay Light Kredit on time
On Light Kredit 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. Prima Fintech (Philippines) Lending 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 Prima Fintech (Philippines) Lending 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.
Other apps from Prima Fintech (Philippines) Lending Corporation
Prima Fintech (Philippines) Lending Corporation runs 3 apps on the SEC list. They share one SEC registration, so a complaint about any of them goes against the same company.
- Peso Pocket listed as "Peso Pocket"
- Prima Loan listed as "Prima Loan"
Light Kredit regulatory history
- Oct 24, 2019The SEC issued a cease and desist order against an app named Light Kredit, in a cease and desist order. The name is now on the SEC list under Prima Fintech (Philippines) Lending Corporation. Source
This page covers Light Kredit's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Light Kredit first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Light Kredit
Who owns Light Kredit?
Prima Fintech (Philippines) Lending Corporation (SEC Reg. No. CS201951100), which also runs Peso Pocket, Prima Loan, per the SEC list dated Sep 29, 2026.
Does Light Kredit call your contacts?
Prima Fintech (Philippines) Lending 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 Light Kredit 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.