Is Mega Peso legit?
Yes. Mega Peso is on the SEC list of recorded online lending platforms. It is run by Ceimmarj Financing Inc (SEC Reg. No. CS200308112, CA No. 330). The SEC list dated Sep 29, 2026 records it as "Mega Peso (formerly cfiph.com)". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Mega Peso (formerly cfiph.com)" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Ceimmarj Financing Inc., CS200308112 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 330 (as printed by Mega Peso) | Google Play, updated Sep 16, 2026 |
| Price published | Yes: Maximum APR 29.2% (0.08% a day). | Google Play, updated Sep 16, 2026 |
| Loan amount and term | ₱1,000 to ₱50,000, over 91 to 180 days | Google Play, updated Sep 16, 2026 |
| Google Play rating | 4.8 of 5 from 115,946 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated Sep 16, 2026 |
On ₱5,000 for 120 days, Mega Peso's published terms come to at most ₱480 in interest and fees: interest of 2.4% a month and an all-in cost of 3.8% a month, higher because you repay in instalments but pay interest on the original amount the whole time. Mega Peso on Google Play, updated Sep 16, 2026
Working: 29.2% a year × 120/365 days × ₱5,000 = ₱480 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,370 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 2.4% a month against the 6% cap; all-in 3.8% 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 Mega Peso with the other recorded apps, or get it from its official Google Play listing.
Mega Peso interest rate and what you pay back
Maximum APR 29.2% (0.08% a day).Its own example, ₱20,000 for 91 days
₱20,000 * 18% / 365 * 91 = ₱897.53; Total Repayment Amount: ₱20,897.53
- You pay back
- Up to ₱5,480
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱480
- Interest a month, at most
- 2.4%
- All-in cost (EIR) a month, at most
- 3.8%
- Share of the loan
- 9.6%
Terms from Mega Peso's Google Play listing, updated Sep 16, 2026. The calculator gives the same ₱20,898 for Mega Peso'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
Mega Peso Disclosure Statement, worked out: ₱5,000 for 120 days
Mega Peso 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, nothing taken off | RA 3765 Sec. 4(5) | ₱5,000 |
| Interest | 29.2% a year × 120/365 days × ₱5,000 | Mega Peso's published maximum | ₱480 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱480 |
| Simple annual rate | Mega Peso publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 29.2% |
| Late penalty, at most | 5% × ₱5,480 due | SEC MC No. 14 s.2025 Sec. 3 | ₱274 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 × ₱480, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱960 |
Should you borrow from Mega Peso?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱180 less than Mega Peso's published maximum of ₱480.
Choose Mega Peso if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you need up to ₱50,000.
Skip Mega Peso if
- you have no regular income: it asks for "stable income".
Mega Peso requirements, customer service and how to pay
- Requirements
- 18 years old or above; Filipino citizen with one valid ID; Stable income
- info@cfiph.com
- Phone
- +632 8813-2479
- Hours
- Weekdays, 9 AM to 6 PM
- Pay through
- The channels shown in the app for your loan
As Mega Peso lists them on its Google Play listing, updated Sep 16, 2026. Use only these channels or the app itself. Source
If you cannot pay Mega Peso on time
If all ₱5,480 of a ₱5,000, 120-day Mega Peso loan fell due unpaid, the penalty could be at most ₱274 a month, and interest, fees and penalties together could never pass ₱5,000. Ceimmarj Financing 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 Mega Peso first at info@cfiph.com or +632 8813-2479. If that fails, report Ceimmarj Financing 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 Mega Peso's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Mega Peso first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Mega Peso
Who owns Mega Peso?
Ceimmarj Financing Inc (SEC Reg. No. CS200308112), per the SEC list dated Sep 29, 2026.
What is Mega Peso's interest rate?
Mega Peso states (Mega Peso's Google Play listing, updated Sep 16, 2026): "Maximum APR 29.2% (0.08% a day)." On ₱5,000 for 120 days: interest of 2.4% a month and an all-in cost of 3.8% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Mega Peso?
Mega Peso lists (Mega Peso's Google Play listing, updated Sep 16, 2026): 18 years old or above; Filipino citizen with one valid ID; Stable income.
What is Mega Peso's customer service number or e-mail?
Phone: +632 8813-2479. E-mail: info@cfiph.com. Hours: Weekdays, 9 AM to 6 PM. As listed by Mega Peso (Mega Peso's Google Play listing, updated Sep 16, 2026).
Does Mega Peso call your contacts?
Ceimmarj Financing 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 Mega Peso at info@cfiph.com, then the SEC on 14732.
Cheaper than Mega Peso 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.