Is Load Cash legit?
Yes. Load Cash is on the SEC list of recorded online lending platforms. It is run by Copperstone Lending Inc (SEC Reg. No. 2021050012959-04). The SEC list dated Sep 29, 2026 records it as "Load Cash". The SEC lifted an order of revocation against the company (SEC En Banc Case No. 06-24-545, Jan 8, 2025). SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Load Cash" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Copperstone Lending Inc., 2021050012959-04 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | Not on Load Cash's listing or the SEC list | SEC list, Sep 29, 2026 |
| SEC notices naming the app or lookalikes | 1 document, latest SEC advisory on unauthorized online lending platforms of Aug 11, 2026 | SEC, Aug 11, 2026 |
| Price published | No rate on Load Cash's website |
Load Cash publishes no interest rate, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask Load Cash for its Disclosure Statement before you accept, or compare apps that publish their price.
Should you borrow from Load Cash?
You see Load Cash's price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Skip Load Cash if
- you want to know the cost before you apply: it publishes no rate.
If you cannot pay Load Cash on time
On Load Cash 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. Copperstone Lending Inc'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 Copperstone Lending Inc 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 Copperstone Lending Inc
Copperstone Lending Inc runs 5 apps on the SEC list. They share one SEC registration, so a complaint about any of them goes against the same company.
- Pococash listed as "Pococash"
- Peso Buffet listed as "Peso Buffet"
- MocaMoca listed as "Moca Moca"
- Quickla listed as "Quickla"
Load Cash regulatory history
- Aug 11, 2026The SEC warned about fakes using this name: LoadCash on Google Play (com.take.cash). They are not run by Copperstone Lending Inc. Source
This page covers Load Cash's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Load Cash first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Load Cash
Who owns Load Cash?
Copperstone Lending Inc (SEC Reg. No. 2021050012959-04), which also runs Pococash, Peso Buffet, MocaMoca, Quickla, per the SEC list dated Sep 29, 2026.
Does Load Cash call your contacts?
Copperstone Lending Inc 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 Load Cash 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.