Is LoanChamp legit?
Yes. LoanChamp is on the SEC list of recorded online lending platforms. It is run by Y Finance Inc (SEC Reg. No. CS201800494). The SEC list dated Sep 29, 2026 records it as "LoanChamp". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "LoanChamp" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Y Finance Inc., CS201800494 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | Not on LoanChamp's listing or the SEC list | SEC list, Sep 29, 2026 |
| Price published | No rate on LoanChamp's website |
LoanChamp publishes no interest rate, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask LoanChamp for its Disclosure Statement before you accept, or compare apps that publish their price.
Should you borrow from LoanChamp?
You see LoanChamp's price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Skip LoanChamp if
- you want to know the cost before you apply: it publishes no rate.
If you cannot pay LoanChamp on time
On LoanChamp 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. Y Finance 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 Y Finance 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.
This page covers LoanChamp's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact LoanChamp first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about LoanChamp
Who owns LoanChamp?
Y Finance Inc (SEC Reg. No. CS201800494), per the SEC list dated Sep 29, 2026.
Does LoanChamp call your contacts?
Y Finance 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 LoanChamp 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.