Is myRCF legit?
Yes. myRCF is on the SEC list of recorded online lending platforms. It is run by RIGHT CHOICE FINANCE CORP (SEC Reg. No. CS201612058). The SEC list dated Sep 29, 2026 records it as "myRCF", "myRightChoice". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "myRCF", "myRightChoice" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | RIGHT CHOICE FINANCE CORP., CS201612058 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | Not on myRCF's listing or the SEC list | SEC list, Sep 29, 2026 |
| Price published | No rate on myRCF's website |
myRCF publishes no interest rate, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask myRCF for its Disclosure Statement before you accept, or compare apps that publish their price.
Also known as myRightChoice.
Should you borrow from myRCF?
You see myRCF's price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Skip myRCF if
- you want to know the cost before you apply: it publishes no rate.
If you cannot pay myRCF on time
On myRCF 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. RIGHT CHOICE FINANCE 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).
If that fails, report RIGHT CHOICE FINANCE 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.
This page covers myRCF's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact myRCF first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about myRCF
Who owns myRCF?
RIGHT CHOICE FINANCE CORP (SEC Reg. No. CS201612058), per the SEC list dated Sep 29, 2026.
Does myRCF call your contacts?
RIGHT CHOICE FINANCE 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). Report it to the SEC on 14732.
Cheaper than myRCF 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.