Is Pesocash legit?
Yes. Pesocash is on the SEC list of recorded online lending platforms. It is run by MyLoan Lending Investors Inc (SEC Reg. No. CS201900197, CA No. 2866). The SEC list dated Sep 29, 2026 records it as "Pesocash". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Pesocash" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | MyLoan Lending Investors Inc., CS201900197 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 2866 (as printed by Pesocash) | Google Play, updated Aug 13, 2026 |
| Price published | Yes: Maximum APR 18.25% (0.05% a day); transaction fee ₱25 to ₱130, charged in advance by the transaction channel. | Google Play, updated Aug 13, 2026 |
| Loan amount and term | ₱1,500 to ₱8,000, over 120 to 210 days | Google Play, updated Aug 13, 2026 |
| Google Play rating | 4.5 of 5 from 166,757 ratings, 5M+ installs, as of Oct 2, 2026 | Google Play, updated Aug 13, 2026 |
On ₱5,000 for 120 days, Pesocash's published terms come to at most ₱430 in interest and fees: interest of 1.5% a month and an all-in cost of 3.5% a month, higher because its transaction fee comes off the cash, so you get ₱4,870 but repay on ₱5,000, and you repay in instalments but pay interest on the original amount the whole time. Pesocash on Google Play, updated Aug 13, 2026
Working: 18.25% a year × 120/365 days × ₱5,000 = ₱300 interest; transaction fee ₱130 = ₱130. The all-in rate is the monthly rate at which 4 payments of ₱1,325 repay the ₱4,870 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 1.5% a month against the 6% cap; all-in 3.5% 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 Pesocash with the other recorded apps, or get it from its official Google Play listing.
Not the same as Peso Cash Loan (Makati Loan, Inc, on the SEC list). Check the company name in the app before you borrow: Pesocash here is MyLoan Lending Investors Inc.
Pesocash interest rate and what you pay back
Maximum APR 18.25% (0.05% a day); transaction fee ₱25 to ₱130, charged in advance by the transaction channel.Its own example, ₱8,000 for 150 days
Amount in hand:₱8,000-₱25=₱7,975; total repayment bill at due date: ₱8,000 + ₱600 = ₱8,600
- You pay back
- Up to ₱5,300
- Cash you receive
- ₱4,870
- Interest and fees
- Up to ₱430
- Interest a month, at most
- 1.5%
- All-in cost (EIR) a month, at most
- 3.5%
- Share of the loan
- 8.6%
Terms from Pesocash's Google Play listing, updated Aug 13, 2026. The calculator gives the same ₱8,600 for Pesocash'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
Pesocash Disclosure Statement, worked out: ₱5,000 for 120 days
Pesocash 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 − ₱130 taken off | RA 3765 Sec. 4(5) | ₱4,870 |
| Interest | 18.25% a year × 120/365 days × ₱5,000 | Pesocash's published maximum | ₱300 |
| Transaction fee | ₱130, taken off the cash | Part of the finance charge, RA 3765 Sec. 3(3) | ₱130 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱430 |
| Simple annual rate | Pesocash publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 18.25% |
| Late penalty, at most | 5% × ₱5,300 due | SEC MC No. 14 s.2025 Sec. 3 | ₱265 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 × ₱430, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱860 |
Should you borrow from Pesocash?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱130 less than Pesocash's published maximum of ₱430.
Choose Pesocash if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
Skip Pesocash if
- you need the full amount in hand: you receive ₱4,870 of ₱5,000.
- you need more than ₱8,000.
- you have no regular income: it asks for "stable source of income".
Pesocash requirements, customer service and how to pay
- Requirements
- 20 years old or above; Stable mobile number; Stable source of income
- cs@pesocash.ph
- Phone
- +639 270317725 (Globe), +639 612783945 (Smart)
- Pay through
- The channels shown in the app for your loan
As Pesocash lists them on its Google Play listing, updated Aug 13, 2026. Use only these channels or the app itself. Source
If you cannot pay Pesocash on time
If all ₱5,300 of a ₱5,000, 120-day Pesocash loan fell due unpaid, the penalty could be at most ₱265 a month, and interest, fees and penalties together could never pass ₱5,000. MyLoan Lending Investors 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 Pesocash first at cs@pesocash.ph or +639 270317725 (Globe). If that fails, report MyLoan Lending Investors 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 Pesocash's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Pesocash first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Pesocash
Who owns Pesocash?
MyLoan Lending Investors Inc (SEC Reg. No. CS201900197), per the SEC list dated Sep 29, 2026.
What is Pesocash's interest rate?
Pesocash states (Pesocash's Google Play listing, updated Aug 13, 2026): "Maximum APR 18.25% (0.05% a day); transaction fee ₱25 to ₱130, charged in advance by the transaction channel." On ₱5,000 for 120 days: interest of 1.5% a month and an all-in cost of 3.5% a month, higher because its transaction fee comes off the cash, so you get ₱4,870 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 Pesocash?
Pesocash lists (Pesocash's Google Play listing, updated Aug 13, 2026): 20 years old or above; Stable mobile number; Stable source of income.
What is Pesocash's customer service number or e-mail?
Phone: +639 270317725 (Globe), +639 612783945 (Smart). E-mail: cs@pesocash.ph. As listed by Pesocash (Pesocash's Google Play listing, updated Aug 13, 2026).
Does Pesocash call your contacts?
MyLoan Lending Investors 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 Pesocash at cs@pesocash.ph, then the SEC on 14732.
Cheaper than Pesocash 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.