Is Maypera legit?
Yes. Maypera is on the SEC list of recorded online lending platforms. It is run by Lucky Shell Fintech Lending, Inc (SEC Reg. No. CS201912995, CA No. 3055). The SEC list dated Sep 29, 2026 records it as "Maypera". The SEC lifted an order of revocation against the company (FinLenD Order No. 2025-24). The company asked the SEC to delist MiPera and Luckypeso. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Maypera" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Lucky Shell Fintech Lending, Inc., CS201912995 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3055 (as printed by Maypera) | Google Play, updated May 14, 2025 |
| SEC notices naming the app or lookalikes | 2 documents, latest SEC advisory on a fake MayPera iOS app of Aug 25, 2026 | SEC, Aug 25, 2026 |
| Price published | Yes: Annual interest rate up to 14%; one-time service fee 10%, taken off the cash you receive. | Google Play, updated May 14, 2025 |
| Loan amount and term | ₱1,000 to ₱100,000, over 120 to 180 days | Google Play, updated May 14, 2025 |
| Google Play rating | 4.5 of 5 from 751,774 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated May 14, 2025 |
On ₱5,000 for 120 days, Maypera's published terms come to at most ₱730 in interest and fees: interest of 1.15% a month and an all-in cost of 6.3% a month, higher because its service fee comes off the cash, so you get ₱4,500 but repay on ₱5,000, and you repay in instalments but pay interest on the original amount the whole time. Maypera on Google Play, updated May 14, 2025
Working: 14% a year × 120/365 days × ₱5,000 = ₱230 interest; service fee 10% × ₱5,000 = ₱500. The all-in rate is the monthly rate at which 4 payments of ₱1,308 repay the ₱4,500 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 1.15% a month against the 6% cap; all-in 6.3% a month against the 12% cap (SEC MC No. 14 s.2025, effective Apr 1, 2026). SEC MC No. 14 s.2025
Next: check the worked Disclosure Statement below, then compare Maypera with the other recorded apps, or get it from its official Google Play listing.
Maypera interest rate and what you pay back
Annual interest rate up to 14%; one-time service fee 10%, taken off the cash you receive.Its own example, ₱5,000 for 120 days
Fund received:₱ 5,000-500=₱ 4,500; Total repayment: ₱ 5,000+ 230=₱ 5,230
- You pay back
- Up to ₱5,230
- Cash you receive
- ₱4,500
- Interest and fees
- Up to ₱730
- Interest a month, at most
- 1.15%
- All-in cost (EIR) a month, at most
- 6.3%
- Share of the loan
- 14.6%
Terms from Maypera's Google Play listing, updated May 14, 2025. The calculator gives the same ₱5,230 for Maypera's own example. Documentary stamp tax on a ₱5,000 loan for 120 days is about ₱12.33 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
Maypera Disclosure Statement, worked out: ₱5,000 for 120 days
Maypera must give you this statement in writing before the loan is made (RA 3765, the Truth in Lending Act, Sec. 4). These are the figures it should show at its published maximum; if yours differ, ask why before you accept.
| Figure | Inputs | Rule | Result |
|---|---|---|---|
| Amount financed | ₱5,000 borrowed − ₱500 taken off | RA 3765 Sec. 4(5) | ₱4,500 |
| Interest | 14% a year × 120/365 days × ₱5,000 | Maypera's published maximum | ₱230 |
| Service fee | 10% × ₱5,000, taken off the cash | Part of the finance charge, RA 3765 Sec. 3(3) | ₱500 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱730 |
| Simple annual rate | Maypera publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 14% |
| Late penalty, at most | 5% × ₱5,230 due | SEC MC No. 14 s.2025 Sec. 3 | ₱262 a month |
| All charges together, at most | 100% × ₱5,000 | SEC MC No. 14 s.2025 Sec. 3 | ₱5,000 |
| Documentary stamp tax on the loan | ⌈₱5,000 ÷ ₱200⌉ × ₱1.50 × 120/365 | NIRC Sec. 179, as amended by RA 10963 | ₱12.33 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱730, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱1,460 |
Should you borrow from Maypera?
For ₱5,000 over 120 days, HappyPera2 costs at most ₱395, which is ₱336 less than Maypera's published maximum of ₱730.
Choose Maypera if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you need up to ₱100,000.
Skip Maypera if
- you need the full amount in hand: you receive ₱4,500 of ₱5,000.
Maypera requirements, customer service and how to pay
- Requirements
- Over 18 years old; Government-issued ID; Valid phone number
- csmaypera@gmail.com
- Phone
- 09696192358
- Pay through
- The channels shown in the app for your loan
As Maypera lists them on its Google Play listing, updated May 14, 2025. Use only these channels or the app itself. Source
If you cannot pay Maypera on time
If all ₱5,230 of a ₱5,000, 120-day Maypera loan fell due unpaid, the penalty could be at most ₱262 a month, and interest, fees and penalties together could never pass ₱5,000. Lucky Shell Fintech 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).
Complain to Maypera first at csmaypera@gmail.com or 09696192358. If that fails, report Lucky Shell Fintech 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.
Maypera regulatory history
- Aug 25, 2026The SEC warned about fakes using this name: MayPera—Loan App Philippines on the Apple App Store, by United Concrete Technologies Phils. Inc. They are not run by Lucky Shell Fintech Lending, Inc. Source
- Apr 28, 2026The SEC warned about fakes using this name: MayPera: loan app philippines on the Apple App Store. They are not run by Lucky Shell Fintech Lending, Inc. Source
This page covers Maypera's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Maypera first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Maypera
Who owns Maypera?
Lucky Shell Fintech Lending, Inc (SEC Reg. No. CS201912995), per the SEC list dated Sep 29, 2026.
What is Maypera's interest rate?
Maypera states (Maypera's Google Play listing, updated May 14, 2025): "Annual interest rate up to 14%; one-time service fee 10%, taken off the cash you receive." On ₱5,000 for 120 days: interest of 1.15% a month and an all-in cost of 6.3% a month, higher because its service fee comes off the cash, so you get ₱4,500 but repay on ₱5,000, and you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Maypera?
Maypera lists (Maypera's Google Play listing, updated May 14, 2025): Over 18 years old; Government-issued ID; Valid phone number.
What is Maypera's customer service number or e-mail?
Phone: 09696192358. E-mail: csmaypera@gmail.com. As listed by Maypera (Maypera's Google Play listing, updated May 14, 2025).
Does Maypera call your contacts?
Lucky Shell Fintech 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). Raise it with Maypera at csmaypera@gmail.com, then the SEC on 14732.
Cheaper than Maypera for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- HappyPera2: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,000 to ₱100,000. Downside: skip it if you have no regular income: it asks for "steady source of income".
- Loanova: at most ₱480 in interest and fees (29.2% a year × 120/365 days × ₱5,000 = ₱480 interest); lends ₱4,000 to ₱100,000. Downside: skip it if you have no regular income: it asks for "active phone number and regular income".
- Pesoloan: at most ₱510 in interest and fees (31% a year × 120/365 days × ₱5,000 = ₱510 interest); lends ₱1,000 to ₱100,000.