Is PesoGO legit?
Yes. PesoGO is on the SEC list of recorded online lending platforms. It is run by Dolphin Lending Investor, Inc (SEC Reg. No. CS201911897, CA No. 3037). The SEC list dated Sep 29, 2026 records it as "PesoGO". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "PesoGO" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Dolphin Lending Investor, Inc., CS201911897 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3037 (as printed by PesoGO) | Google Play, updated Jul 13, 2026 |
| Price published | Yes: Annual interest rate (APR) 10% to 33%. | Google Play, updated Jul 13, 2026 |
| Loan amount and term | ₱1,000 to ₱30,000, over 185 to 210 days | Google Play, updated Jul 13, 2026 |
| Google Play rating | 4.2 of 5 from 5,791 ratings, 500K+ installs, as of Oct 2, 2026 | Google Play, updated Jul 13, 2026 |
On ₱5,000 for 185 days, PesoGO's published terms come to at most ₱836 in interest and fees (₱253 at its lowest published rate): interest of 2.71% a month and an all-in cost of 4.5% a month, higher because you repay in instalments but pay interest on the original amount the whole time. PesoGO on Google Play, updated Jul 13, 2026
Working: 33% a year × 185/365 days × ₱5,000 = ₱836 interest. The all-in rate is the monthly rate at which 6 payments of ₱973 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
The SEC caps (6% a month interest, 12% a month all-in) cover only loans of ₱10,000 or less for up to four months, so they do not apply to this loan. SEC MC No. 14 s.2025
Next: check the worked Disclosure Statement below, then compare PesoGO with the other recorded apps, or get it from its official Google Play listing.
Not the same as GoPeso (Sumulong Financing Inc, on the SEC list) or Go Peso (Microdot) (Microdot Lending Corporation, on the SEC list). Check the company name in the app before you borrow: PesoGO here is Dolphin Lending Investor, Inc.
PesoGO interest rate and what you pay back
Annual interest rate (APR) 10% to 33%.Its own example, ₱20,000 for 185 days
₱20,000*24%/365*185= ₱2,432; total repayment ₱22,432
- You pay back
- ₱5,253 to ₱5,836
- Cash you receive
- ₱5,000
- Interest and fees
- ₱253 to ₱836
- Interest a month, at most
- 2.71%
- All-in cost (EIR) a month, at most
- 4.5%
- Share of the loan
- 16.7%
The SEC ceiling covers loans up to ₱10,000 and 120 days.
Terms from PesoGO's Google Play listing, updated Jul 13, 2026. The calculator gives the same ₱22,433 for PesoGO's own example. Documentary stamp tax on a ₱5,000 loan for 185 days is about ₱19.01 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
PesoGO Disclosure Statement, worked out: ₱5,000 for 185 days
PesoGO 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 | 33% a year × 185/365 days × ₱5,000 | PesoGO's published maximum | ₱836 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱836 |
| Simple annual rate | PesoGO publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 33% |
| Documentary stamp tax on the loan | ⌈₱5,000 ÷ ₱200⌉ × ₱1.50 × 185/365 | NIRC Sec. 179, as amended by RA 10963 | ₱19.01 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱836, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱1,673 |
Should you borrow from PesoGO?
For ₱5,000 over 185 days, Pocketcash (Elending) costs at most ₱463, which is ₱374 less than PesoGO's published maximum of ₱836.
Skip PesoGO if
- you want a loan shorter than 185 days.
- you have no regular income: it asks for "stable job and income".
PesoGO requirements, customer service and how to pay
- Requirements
- Resident Filipino; Over 18 years old; Stable job and income
- customer@pesogo.ph
- Phone
- Not listed on its Google Play listing
- Hours
- Monday to Sunday, 9:00 to 17:00
- Pay through
- The channels shown in the app for your loan
As PesoGO lists them on its Google Play listing, updated Jul 13, 2026. Use only these channels or the app itself. Source
If you cannot pay PesoGO on time
On PesoGO 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. Dolphin Lending Investor, 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 PesoGO first at customer@pesogo.ph. If that fails, report Dolphin Lending Investor, 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.
Other apps from Dolphin Lending Investor, Inc
Dolphin Lending Investor, Inc runs 2 apps on the SEC list. They share one SEC registration and one Certificate of Authority, so a complaint about any of them goes against the same company.
- Microloan listed as "Microloan"
This page covers PesoGO's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact PesoGO first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about PesoGO
Who owns PesoGO?
Dolphin Lending Investor, Inc (SEC Reg. No. CS201911897), which also runs Microloan, per the SEC list dated Sep 29, 2026.
What is PesoGO's interest rate?
PesoGO states (PesoGO's Google Play listing, updated Jul 13, 2026): "Annual interest rate (APR) 10% to 33%." On ₱5,000 for 185 days: interest of 2.71% a month and an all-in cost of 4.5% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for PesoGO?
PesoGO lists (PesoGO's Google Play listing, updated Jul 13, 2026): Resident Filipino; Over 18 years old; Stable job and income.
What is PesoGO's customer service number or e-mail?
E-mail: customer@pesogo.ph. Hours: Monday to Sunday, 9:00 to 17:00. As listed by PesoGO (PesoGO's Google Play listing, updated Jul 13, 2026).
Does PesoGO call your contacts?
Dolphin Lending Investor, 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 PesoGO at customer@pesogo.ph, then the SEC on 14732.
Cheaper than PesoGO for ₱5,000 over 185 days
No lender pays to appear on this site or to change its position.
- Pocketcash (Elending): at most ₱463 in interest and fees (18% a year × 185/360 days × ₱5,000 = ₱463 (interest and fees)); lends ₱1,000 to ₱50,000.
- Direct Loan: at most ₱555 in interest and fees (21.9% a year × 185/365 days × ₱5,000 = ₱555 interest); lends ₱1,000 to ₱40,000. Downside: skip it if you want a loan shorter than 180 days.
- HappyPera2: at most ₱608 in interest and fees (24% a year × 185/365 days × ₱5,000 = ₱608 interest); lends ₱1,000 to ₱100,000. Downside: skip it if you have no regular income: it asks for "steady source of income".