Is Masayacash legit?
Yes. Masayacash is on the SEC list of recorded online lending platforms. It is run by Snapcash Lending, Inc (SEC Reg. No. CS201804836). The SEC list dated Sep 29, 2026 records it as "Masayacash". SEC list of recorded online lending platforms, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Masayacash" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Snapcash Lending, Inc., CS201804836 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | Not on Masayacash's listing or the SEC list | SEC list, Sep 29, 2026 |
| SEC notices naming the app or lookalikes | 1 document, latest SEC advisory on unrecorded online lending platforms and websites of Mar 6, 2026 | SEC, Mar 6, 2026 |
| Price published | No rate on Masayacash's website |
We could not confirm Masayacash's interest rate from the sources checked. Ask for the rate, all fees and total repayment in your Disclosure Statement before accepting a loan.
Next: ask Masayacash for its Disclosure Statement before you accept, or compare apps that publish their price.
Should you borrow from Masayacash?
Without a confirmed rate for Masayacash, we cannot tell whether it is cheaper than another lender. For comparison, Pocketcash (Elending)'s published terms give a cost of ₱300 for ₱5,000 over 120 days; compare this with your actual offer.
Skip Masayacash if
- you need a confirmed total cost before applying: the sources checked do not provide a rate.
If you cannot pay Masayacash on time
On Masayacash 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. Snapcash 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 Snapcash 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 Snapcash Lending, Inc
Snapcash 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.
- Peso2you listed as "Peso2you"
- CashniJuan listed as "CashniJuan"
- Peso2go listed as "Peso2go"
- Jetpeso listed as "Jetpeso"
This page covers Masayacash's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Masayacash first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Masayacash
Who owns Masayacash?
Snapcash Lending, Inc (SEC Reg. No. CS201804836), which also runs Peso2you, CashniJuan, Peso2go, Jetpeso, per the SEC list dated Sep 29, 2026.
Does Masayacash call your contacts?
Snapcash 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.
Masayacash regulatory history
- Mar 6, 2026The SEC named Masaya Cash: Online Loan App on Google Play (ph.masaya.cash.loan) as not authorized to lend. Check that the developer is Snapcash Lending, Inc before you install. Source
Compare published costs for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
| App | Most you pay back | Lends | Approval needs | Downside |
|---|---|---|---|---|
| Pocketcash (Elending) | ₱5,30018% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees) | ₱1,000 to ₱50,00091 to 360 days | Resident of the Philippines; At least 18 years old | None in Pocketcash (Elending)'s published terms |
| Vplus | ₱5,30018% a year × 120/360 days × ₱5,000 = ₱300 interest | ₱1,000 to ₱50,00091 to 180 days | One valid ID | None in Vplus's published terms |
| Pesos.ph | ₱5,39524% a year × 120/365 days × ₱5,000 = ₱395 interest | ₱1,500 to ₱50,00091 to 180 days | At least 18 years old | None in Pesos.ph's published terms |
