Loan apps with the lowest interest

Pocketcash (Elending) has the lowest published cost on ₱10,000 over 120 days: at most ₱600 in interest and fees, among the 62 apps on the SEC list that publish a price for that loan.

Apps ranked:: 62.; lend ₱10,000 for 120 days and publish a price.
Within the SEC caps:: 40.; at their published maximum.
Lowest cost:: ₱600.; Pocketcash (Elending), interest and fees.
Highest cost ranked:: ₱6,918.; Surity Cash.
Lowest cost over a year on ₱10,000:: ₱1,800.; Pocketcash (Elending).
SEC caps:: 6% interest, 12% all-in, a month.; loans up to ₱10,000 and 120 days.

Lowest cost on ₱10,000, 120 days: Pocketcash (Elending) ₱600, Vplus ₱600, HappyPera2 ₱789

SEC list of recorded online lending platforms, Sep 29, 2026; SEC MC No. 14 s.2025, effective Apr 1, 2026.

₱10,000 for 120 days

62 apps

#	App	Total cost, at most	All-in cost a month, at most	Stated price and downside
1	Pocketcash (Elending)Lending company · CA No. 3044	₱600You repay ₱10,600	2.4%Within the SEC caps	Maximum daily interest 0.05%; maximum APR 18% inclusive of applicable fees.
2	VplusLending company · CA No. 3158	₱600You repay ₱10,600	2.4%Within the SEC caps	Maximum annual interest rate 18%. No hidden fees.
3	HappyPera2Lending company · CA No. 2940	₱789You repay ₱10,789	3.1%Within the SEC caps	Maximum APR 24%.Downside: skip it if you have no regular income: it asks for "steady source of income".
4	PesoplusFinancing company · CA No. 1326	₱789You repay ₱10,789	3.1%Within the SEC caps	Annual interest rate 3.5% to 24%.Downside: skip it if you need more than 120 days to repay.
5	Pesos.phFinancing company · CA No. 1218	₱789You repay ₱10,789	3.1%Within the SEC caps	Annual interest rate 3.5% to 24%.
6	CashmumLending company · CA No. 3413	₱822You repay ₱10,822	3.2%Within the SEC caps	Interest from 3.5% up to 25% a year (APR), including all interest and processing fees.Downside: skip it if you weigh user ratings: it has 1.9 of 5 from 903 Google Play ratings.
7	LoanovaLending company · CA No. L-24-0801-50	₱960You repay ₱10,960	3.8%Within the SEC caps	Maximum APR 29.2%.Downside: skip it if you have no regular income: it asks for "active phone number and regular income".
8	LpesoFinancing company · CA No. 1326	₱960You repay ₱10,960	3.8%Within the SEC caps	Maximum APR 29.2%; processing, service and other fees ₱0 in the sample loan.Downside: skip it if you have no regular income: it asks for "verifiable source of income".
9	Mega PesoFinancing company · CA No. 330	₱960You repay ₱10,960	3.8%Within the SEC caps	Maximum APR 29.2% (0.08% a day).Downside: skip it if you have no regular income: it asks for "stable income".
10	AkulakuLending company · CA No. 1830	₱986You repay ₱10,986	3.9%Within the SEC caps	Maximum APR 30%; no service fee.
11	FinploLending company · CA No. 3101	₱986You repay ₱10,986	3.9%Within the SEC caps	Maximum APR up to 30% a year, including applicable interest and service fees.
12	Kidlat PesoLending company · CA No. 2844	₱986You repay ₱10,986	3.9%Within the SEC caps	Maximum APR 30% (interest and service fee); transaction fee 0. Rates from 1.99% a month.Downside: skip it if you need less than ₱10,000.
13	SurePesoLending company · CA No. 3059	₱986You repay ₱10,986	3.9%Within the SEC caps	Maximum APR 30%; transaction fee ₱0; service fee ₱0.
14	XlkashLending company · CA No. 3136	₱1,000You repay ₱11,000	3.9%Within the SEC caps	Minimum APR 18%; maximum APR 30%.
15	PesoloanFinancing company · CA No. 1185	₱1,019You repay ₱11,019	4%Within the SEC caps	Maximum APR 31%.
16	MicroloanLending company · CA No. 3037	₱1,085You repay ₱11,085	4.3%Within the SEC caps	APR 12% to 33%.Downside: skip it if you have no regular income: it asks for "verifiable, stable source of income".
17	Prima LoanLending company · CA No. 2917	₱1,140You repay ₱11,140	4.5%Within the SEC caps	Maximum APR 34.67%. Payment transaction fee ₱8 to ₱20, charged by the payment channel.Downside: skip it if you have no regular income: it asks for "job or self-employment".
18	AtomePay later · CA No. 1178	₱1,184You repay ₱11,184	4.6%Within the SEC caps	Cash loan from 1.75% a month; APR up to 36%.
19	Mr. CashLending company · CA No. L-21-0036-70	₱1,184You repay ₱11,184	4.6%Within the SEC caps	Maximum APR 36%.
20	FT LendingLending company · CA No. 3025	₱1,200You repay ₱11,200	4.7%Within the SEC caps	Maximum APR 36%; transaction fee 0.
21	Kusog PeraLending company · CA No. 3118	₱1,200You repay ₱11,200	4.7%Within the SEC caps	Maximum APR 36%.
22	SnaPeraLending company · CA No. 3118	₱1,200You repay ₱11,200	4.7%Within the SEC caps	Maximum APR 36%.Downside: skip it if you need more than 120 days to repay.
23	Big LoanFinancing company · CA No. 1319	₱1,450You repay ₱11,450	5.6%Within the SEC caps	APR 0% to 36%; processing fee ₱250 included in the total cost.
24	MayperaLending company · CA No. 3055	₱1,460You get ₱9,000, repay ₱10,460	6.3%Within the SEC caps	Annual interest rate up to 14%; one-time service fee 10%, taken off the cash you receive.Downside: skip it if you need the full amount in hand: you receive ₱9,000 of ₱10,000.
25	KredivoLending company · CA No. 1323	₱1,596You repay ₱11,596	6.2%Within the SEC caps	0% to 3.99% a month; APR 0% to 115%.
26	TendoPay later · CA No. 1228	₱1,600You repay ₱11,600	6.2%Within the SEC caps	0% to 4% a month; maximum APR 48%; no origination, service or bank fees.
27	MocaMocaLending company · CA No. 3454	₱1,658You repay ₱11,658	6.4%Within the SEC caps	Maximum APR 20%; service fee 5% to 10%, charged upon repayment.Downside: skip it if you have no regular income: it asks for "stable job or source of income".
28	SLoan (Shopee)In-app loan · CA No. 1279	₱1,780You repay ₱11,780	6.9%Within the SEC caps	2.15% to 4.45% a month; no admin fee; late fee 2.5% to 5% a month.
29	Pinoy PesoLending company · CA No. 3007	₱1,800You repay ₱11,800	7%Within the SEC caps	Maximum APR 24%; service fee 3% to 10%.Downside: skip it if you need more than 120 days to repay.
30	JuanHandLending company · CA No. 2844	₱1,986You repay ₱11,986	7.7%Within the SEC caps	Maximum APR 30%; its example adds a 10% service fee; transaction fee 0.Downside: skip it if you have no regular income: it asks for "stable income".
31	EzLoan (Second Pay)Financing company · CA No. 1217	₱2,000You repay ₱12,000	7.7%Within the SEC caps	Maximum APR 60%. Interest and fees may be deducted in advance depending on your risk profile.
32	etomoFinancing company · CA No. 1187	₱2,124You repay ₱12,124	8.2%Within the SEC caps	Revolving credit at 0.177% a day; no service fee.
33	SAViiFinancing company · CA No. 1288	₱2,245You get ₱9,155, repay ₱11,400	9.4%Within the SEC caps	0.5% to 3.5% a month on salary loans; its example deducts a ₱750 processing fee and a ₱95 bank fee.Downside: skip it if you need the full amount in hand: you receive ₱9,155 of ₱10,000.
34	BillEasePay later · CA No. 1101	₱2,396You repay ₱12,396	9.2%Within the SEC caps	0% to 3.49% a month; service charges 0% to 10%; APR 0% to 41.88%.
35	GoPesoFinancing company · CA No. 1238	₱2,400You repay ₱12,400	9.2%Within the SEC caps	Minimum APR 29.2%; maximum APR 73%, combining a daily interest rate and a daily service fee.
36	CashifyLending company · CA No. 2872	₱2,586You repay ₱12,586	9.9%Within the SEC caps	Maximum APR 30%; transaction fee 0; one-time sign fee and service fee 0% to 16%.Downside: skip it if you have no regular income: it asks for "stable income".
37	PitacashFinancing company · CA No. 1200	₱2,700You repay ₱12,700	10.3%Above an SEC cap	Maximum APR 27%. Its example applies the 27% to a 120-day loan: ₱1,350 on ₱5,000.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
38	LendraLending company · CA No. 3101	₱2,827You repay ₱12,827	10.8%Within the SEC caps	Maximum APR 86%, combining annualized interest and service fee.Downside: skip it if you have no regular income: it asks for "stable source of income".
39	BukasFinancing company · CA No. 1199	₱2,960You repay ₱12,960	11.2%Within the SEC caps	Interest rates start at 1.9% a month (1.9% to 4.9%); one-time service fee 4.5% to 10%.Downside: skip it if you need less than ₱10,000.
40	JoyPesoLending company · CA No. 2859	₱2,973You repay ₱12,973	11.3%Within the SEC caps	Maximum APR 60%; its example adds a 10% service fee.Downside: skip it if you need more than 120 days to repay.
41	Peso WalletLending company · CA No. 3027	₱3,121You repay ₱13,121	11.8%Within the SEC caps	Maximum annual fee rate (APR) 28%; one-time sign fee and service fee 0% to 22%.
42	BeneLending company · CA No. 3103	₱3,600You repay ₱13,600	13.5%Above an SEC cap	Daily interest rate 0.3%; maximum APR 108% including all applicable fees.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
43	Easy BorrowLending company · CA No. 3103	₱3,600You repay ₱13,600	13.5%Above an SEC cap	Daily interest rate 0.3%; maximum APR 108% including all applicable fees.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
44	MoregoldLending company · CA No. 3380	₱3,600You repay ₱13,600	13.5%Above an SEC cap	Daily interest 0.3%; monthly EIR 9%; maximum APR 108% including all applicable fees.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
45	PesoHereLending company · CA No. 3435	₱3,600You repay ₱13,600	13.5%Above an SEC cap	Daily interest 0.30%; monthly EIR 9.0%; maximum APR 108% including all applicable fees.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
46	PeraMooLending company · CA No. 3157	₱4,200You repay ₱14,200	15.7%Above an SEC cap	Daily interest rate 0.35%; maximum APR 126%; other fees ₱0.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
47	MabilisCashFinancing company · CA No. 1327	₱4,307You repay ₱14,307	16%Above an SEC cap	APR 20% to 131%; minimum 20% for new loans; transaction fee 0.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
48	PeraSureLending company · CA No. 3333	₱4,307You repay ₱14,307	16%Above an SEC cap	Maximum APR 131%; transaction fee 0; no DST or GRT.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
49	FinbroFinancing company · CA No. 1324	₱4,734You repay ₱14,734	17.5%Above an SEC cap	APR 0% to 144%. Its example: ₱1,000 for 12 months with a ₱660 processing fee and ₱660 interest.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
50	MocasaLending company · CA No. 3015	₱4,734You repay ₱14,734	17.5%Above an SEC cap	Maximum APR 144%. Its example: 5.5% a month interest plus a 16.5% service fee.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
51	CashiniLending company · CA No. 3083	₱4,800You repay ₱14,800	17.8%Above an SEC cap	Monthly EIR 5% to 12%; maximum APR 60% to 144%.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
52	FidoLending company · CA No. 2832	₱4,800You repay ₱14,800	17.8%Above an SEC cap	Maximum APR 144%. Its example charges 0.1% a day interest plus a 0.233% a day service fee.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
53	FRESHAPPLending company · CA No. 3379	₱4,800You repay ₱14,800	17.8%Above an SEC cap	Maximum annual interest rate (APR) 144%; service fee ₱0.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
54	Honey LoanLending company · CA No. 3472	₱4,800You repay ₱14,800	17.8%Above an SEC cap	Daily cost rate 0.4% (interest and fees); monthly EIR 12%; maximum APR 144%.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
55	LF LendingLending company · CA No. 3225	₱4,800You repay ₱14,800	17.8%Above an SEC cap	Maximum monthly EIR 12%; maximum APR 144%; transaction fee ₱0.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
56	TekcashLending company · CA No. 3032	₱4,800You repay ₱14,800	17.8%Above an SEC cap	Maximum APR 144%. Its example: 3.3% a month interest plus a 6.6% a month service fee.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
57	CashaloFinancing company · CA No. 1162	₱6,000You repay ₱16,000	21.9%Above an SEC cap	Maximum APR 180%; maximum daily EIR 0.5%.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
58	Online Loans PilipinasFinancing company · CA No. 1181	₱6,000You repay ₱16,000	21.9%Above an SEC cap	APR 0% to 180%.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
59	Peso RedeeFinancing company · CA No. 1165	₱6,000You repay ₱16,000	21.9%Above an SEC cap	APR 0% to 180%.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
60	TalaFinancing company · CA No. 1132	₱6,159You repay ₱16,159	12.7%Above an SEC cap	Processing fee 3.99% to 9.99%; service fee 0.23% to 0.43% a day; monthly EIR 11.00% to 12.00%; maximum APR 141.76%. All fees are collected on your chosen repayment date.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
61	HappycashLending company · CA No. 2860	₱6,918You repay ₱16,918	24.9%Above an SEC cap	Maximum APR 180%; its example adds a 10% service fee; 0% processing fee.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.
62	Surity CashLending company · CA No. 3013	₱6,918You repay ₱16,918	24.9%Above an SEC cap	Maximum APR 180%; service fees 0% to 10%; interest from 0.5%.Downside: skip it if you borrow ₱10,000 for 120 days at its top rate: that is above an SEC cap.

Total cost is interest plus every published fee at the top of each app's range. All-in cost a month is the effective rate on the cash you receive. Only apps whose own platform is on the SEC list are ranked.

Apps that do not lend ₱10,000 for 120 days

9 apps

App	Priced on	Total cost, at most	All-in cost a month, at most
Direct LoanFinancing company	₱10,000180 days	₱1,080	3%
PesocashLending company	₱8,000120 days	₱610	3.1%
PesoGOLending company	₱10,000185 days	₱1,673	4.5%
PesohausLending company	₱10,000185 days	₱1,673	4.5%
FINNFinancing company	₱6,000120 days	₱2,240	8.3%
Home CreditFinancing company	₱10,000180 days	₱3,472	9.5%
Credit PesoLending company	₱10,000180 days	₱6,500	16.5%
PeraJetLending company	₱5,000120 days	₱5,918	40.6%
Cash-ExpressFinancing company	₱10,000180 days	₱36,507	74.8%

Each is priced on the loan closest to ₱10,000 for 120 days that it does offer, and ranked by cost a month so different loan sizes compare fairly.

Low interest, long term: ₱10,000 over a year

30 apps

#	App	Total cost, at most	All-in cost a month, at most
1	Pocketcash (Elending)Lending company	₱1,800You repay ₱11,800	2.6%
2	Direct LoanFinancing company	₱2,160You repay ₱12,160	3.1%
3	HappyPera2Lending company	₱2,367You repay ₱12,367	3.4%
4	LoanovaLending company	₱2,880You repay ₱12,880	4.1%
5	LpesoFinancing company	₱2,880You repay ₱12,880	4.1%
6	FinploLending company	₱2,959You repay ₱12,959	4.2%
7	Kidlat PesoLending company	₱2,959You repay ₱12,959	4.2%
8	SurePesoLending company	₱2,959You repay ₱12,959	4.2%
9	Prima LoanLending company	₱3,420You repay ₱13,420	4.8%
10	AtomePay later	₱3,551You repay ₱13,551	5%

The SEC rate caps cover loans of up to four months, so none applies to a one-year loan.

Before you accept any of these loans

Get the Disclosure Statement first. Under RA 3765, the Truth in Lending Act, Sec. 4, it must show the total amount to be financed; the finance charge in pesos and centavos; the finance charge as a simple annual rate on the unpaid balance. Interest and every processing or service fee count in the finance charge. If one is missing, the lender owes you ₱100 or twice the finance charge, up to ₱2,000, claimable within one year (Sec. 6(a)).
Know the late-payment cap. On loans up to ₱10,000 and four months, the penalty is capped at 5% a month on the amount due, and interest, fees and penalties together cannot pass the amount you borrowed (SEC MC No. 14 s.2025, Sec. 3, effective Apr 1, 2026).
Report a charge above the cap to the SEC on hotline 14732 or the SEC iMessage portal.

If your app is not on any list here, search the SEC list of recorded lending apps or the list of apps the SEC has named as illegal. Of the 110 Google Play and App Store listings the SEC printed in its advisories, 110 now show no app, and 17 of the 34 websites it named still load. The SEC named 28 apps in more than one document, some under a new name, so match the company and Certificate of Authority number, not the app name.

This ranking uses each app's published maximum, not the rate it offers you after a credit check; your Disclosure Statement shows that. For a dispute over a loan, contact the lender, then the SEC.

Questions

What is the lowest interest loan app in the Philippines?

On ₱10,000 over 120 days, Pocketcash (Elending) has the lowest published maximum cost of the apps on the SEC list: at most ₱600 in interest and fees. Vplus (at most ₱600) and HappyPera2 (at most ₱789) come next.

Which legit loan apps have low interest?

Of the 62 apps on the SEC list that lend ₱10,000 for 120 days and publish a price, 40 stay within the SEC caps (6% a month interest, 12% a month all-in) at their published maximum.

Which loan app has low interest and a long term?

For ₱10,000 over a year, Pocketcash (Elending) has the lowest published maximum: ₱1,800 in interest and fees, then Direct Loan at ₱2,160. The SEC rate caps do not cover loans longer than four months.

Why rank by total cost instead of the interest rate?

Apps state their price in different ways: a daily rate, a monthly rate, or an APR, and some charge a service or processing fee, either taken from your payout or added to what you repay. The total cost counts all of it, so it is the only figure you can compare across apps.

About this ranking

No lender pays to appear here or to change its position. Each app is ranked by its published maximum, interest plus every published fee. Looking for the best loan app overall, not just the cheapest? See the full comparison.

Interest (nominal)	6% a month
All-in cost (EIR)	12% a month
Late penalty	5% a month on the amount due
Total cost cap	100% of principal