Is Mr. Cash legit?
Yes. Mr. Cash is on the SEC list of recorded online lending platforms. It is run by e-Generation Lending Corp (SEC Reg. No. 2021070020530-12, CA No. L-21-0036-70). The SEC list dated Sep 29, 2026 records it as "Mr. Cash". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Mr. Cash" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | e-Generation Lending Corp., 2021070020530-12 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | L-21-0036-70 (as printed by Mr. Cash) | Google Play, updated Jul 7, 2026 |
| SEC notices naming the app or lookalikes | 1 document, latest SEC advisory on unauthorized online lending platforms of Mar 25, 2026 | SEC, Mar 25, 2026 |
| Price published | Yes: Maximum APR 36%. | Google Play, updated Jul 7, 2026 |
| Loan amount and term | ₱1,000 to ₱50,000, over 91 to 181 days | Google Play, updated Jul 7, 2026 |
| Google Play rating | 4.5 of 5 from 72,141 ratings, 5M+ installs, as of Oct 2, 2026 | Google Play, updated Jul 7, 2026 |
On ₱5,000 for 120 days, Mr. Cash's published terms come to at most ₱592 in interest and fees: interest of 2.96% a month and an all-in cost of 4.6% a month, higher because you repay in instalments but pay interest on the original amount the whole time. Mr. Cash on Google Play, updated Jul 7, 2026
Working: 36% a year × 120/365 days × ₱5,000 = ₱592 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,398 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 2.96% a month against the 6% cap; all-in 4.6% 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 Mr. Cash with the other recorded apps, or get it from its official Google Play listing.
Mr. Cash interest rate and what you pay back
Maximum APR 36%.Its own example, ₱4,000 for 91 days
₱ 4,000.00*12%/365*91 =₱ 119.67, total payment of ₱ 4,119.67
- You pay back
- Up to ₱5,592
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱592
- Interest a month, at most
- 2.96%
- All-in cost (EIR) a month, at most
- 4.6%
- Share of the loan
- 11.8%
Terms from Mr. Cash's Google Play listing, updated Jul 7, 2026. The calculator gives the same ₱4,120 for Mr. Cash'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
Mr. Cash Disclosure Statement, worked out: ₱5,000 for 120 days
Mr. Cash 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 | 36% a year × 120/365 days × ₱5,000 | Mr. Cash's published maximum | ₱592 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱592 |
| Simple annual rate | Mr. Cash publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 36% |
| Late penalty, at most | 5% × ₱5,592 due | SEC MC No. 14 s.2025 Sec. 3 | ₱280 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 × ₱592, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱1,184 |
Should you borrow from Mr. Cash?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱292 less than Mr. Cash's published maximum of ₱592.
Choose Mr. Cash 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.
Mr. Cash requirements, customer service and how to pay
- Requirements
- 18+ years old; At least one valid government-issued ID
- contact@mrcash.vip
- Phone
- 09694893099 (Smart), 09159589713 (Globe)
- Pay through
- The channels shown in the app for your loan
As Mr. Cash lists them on its Google Play listing, updated Jul 7, 2026. Use only these channels or the app itself. Source
If you cannot pay Mr. Cash on time
If all ₱5,592 of a ₱5,000, 120-day Mr. Cash loan fell due unpaid, the penalty could be at most ₱280 a month, and interest, fees and penalties together could never pass ₱5,000. e-Generation Lending Corp'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 Mr. Cash first at contact@mrcash.vip or 09694893099 (Smart). If that fails, report e-Generation Lending Corp 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.
Mr. Cash regulatory history
- Mar 25, 2026The SEC warned about fakes using this name: Mr. Cash: loan app Philippines on the Apple App Store. They are not run by e-Generation Lending Corp. Source
This page covers Mr. Cash's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Mr. Cash first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Mr. Cash
Who owns Mr. Cash?
e-Generation Lending Corp (SEC Reg. No. 2021070020530-12), per the SEC list dated Sep 29, 2026.
What is Mr. Cash's interest rate?
Mr. Cash states (Mr. Cash's Google Play listing, updated Jul 7, 2026): "Maximum APR 36%." On ₱5,000 for 120 days: interest of 2.96% a month and an all-in cost of 4.6% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Mr. Cash?
Mr. Cash lists (Mr. Cash's Google Play listing, updated Jul 7, 2026): 18+ years old; At least one valid government-issued ID.
What is Mr. Cash's customer service number or e-mail?
Phone: 09694893099 (Smart), 09159589713 (Globe). E-mail: contact@mrcash.vip. As listed by Mr. Cash (Mr. Cash's Google Play listing, updated Jul 7, 2026).
Does Mr. Cash call your contacts?
e-Generation Lending Corp 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 Mr. Cash at contact@mrcash.vip, then the SEC on 14732.
Cheaper than Mr. Cash 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.