Is Pesohaus legit?
Yes. Pesohaus is on the SEC list of recorded online lending platforms. It is run by Leapgen Lending Inc (SEC Reg. No. CS201915717, CA No. 3089). The SEC list dated Sep 29, 2026 records it as "Pesohaus". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Pesohaus" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Leapgen Lending Inc., CS201915717 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3089 (as printed by Pesohaus) | Google Play, updated Jul 6, 2026 |
| Price published | Yes: Annual interest rate (APR) 10% to 33%. | Google Play, updated Jul 6, 2026 |
| Loan amount and term | ₱1,000 to ₱30,000, over 185 to 210 days | Google Play, updated Jul 6, 2026 |
| Google Play rating | 4.3 of 5 from 12,174 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated Jul 6, 2026 |
On ₱5,000 for 185 days, Pesohaus'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. Pesohaus on Google Play, updated Jul 6, 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 Pesohaus with the other recorded apps, or get it from its official Google Play listing.
Pesohaus interest rate and what you pay back
Annual interest rate (APR) 10% to 33%.Its own example, ₱10,000 for 200 days
₱10,000 * 20% / 365 * 200 = ₱1095
- 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 Pesohaus's Google Play listing, updated Jul 6, 2026. The calculator gives the same ₱11,096 for Pesohaus'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
Pesohaus Disclosure Statement, worked out: ₱5,000 for 185 days
Pesohaus 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 | Pesohaus's published maximum | ₱836 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱836 |
| Simple annual rate | Pesohaus 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 Pesohaus?
For ₱5,000 over 185 days, Pocketcash (Elending) costs at most ₱463, which is ₱374 less than Pesohaus's published maximum of ₱836.
Skip Pesohaus if
- you want a loan shorter than 185 days.
Pesohaus requirements, customer service and how to pay
- Requirements
- Aged 18 to 65; Valid government-issued ID
- support@pesohaus.com
- Phone
- Not listed on its Google Play listing
- Pay through
- The channels shown in the app for your loan
As Pesohaus lists them on its Google Play listing, updated Jul 6, 2026. Use only these channels or the app itself. Source
If you cannot pay Pesohaus on time
On Pesohaus 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. Leapgen Lending 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 Pesohaus first at support@pesohaus.com. If that fails, report Leapgen Lending 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 Pesohaus's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Pesohaus first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Pesohaus
Who owns Pesohaus?
Leapgen Lending Inc (SEC Reg. No. CS201915717), per the SEC list dated Sep 29, 2026.
What is Pesohaus's interest rate?
Pesohaus states (Pesohaus's Google Play listing, updated Jul 6, 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 Pesohaus?
Pesohaus lists (Pesohaus's Google Play listing, updated Jul 6, 2026): Aged 18 to 65; Valid government-issued ID.
What is Pesohaus's customer service number or e-mail?
E-mail: support@pesohaus.com. As listed by Pesohaus (Pesohaus's Google Play listing, updated Jul 6, 2026).
Does Pesohaus call your contacts?
Leapgen Lending 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 Pesohaus at support@pesohaus.com, then the SEC on 14732.
Cheaper than Pesohaus 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".