Is PesoHere legit?
PesoHere is on the SEC list, but its published top rate is above the SEC caps on a ₱5,000, 120-day loan. It is run by SUPER-SPACE PH LENDING INC (SEC Reg. No. 2021030008899, CA No. 3435). The SEC list dated Sep 29, 2026 records it as "PesoHere". Being registered does not make every charge lawful: a charge above the caps can be reported to the SEC. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "PesoHere" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | SUPER-SPACE PH LENDING INC., 2021030008899 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3435 (as printed by PesoHere) | Google Play, updated Aug 6, 2026 |
| Price published | Yes: Daily interest 0.30%; monthly EIR 9.0%; maximum APR 108% including all applicable fees. | Google Play, updated Aug 6, 2026 |
| Loan amount and term | ₱3,000 to ₱10,000, over 91 to 120 days | Google Play, updated Aug 6, 2026 |
| Google Play rating | 4.5 of 5 from 122,221 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated Aug 6, 2026 |
On ₱5,000 for 120 days, PesoHere's published terms come to at most ₱1,800 in interest and fees: interest of 9% a month and an all-in cost of 13.5% a month, higher because you repay in instalments but pay interest on the original amount the whole time. PesoHere states a monthly EIR of 9%, counting its charges against the original amount; SEC MC No. 14 s.2025 Sec. 2(d) defines EIR as the rate that discounts the payments to the net proceeds, which over 4 payments gives 13.5%. PesoHere on Google Play, updated Aug 6, 2026
Working: 0.3% a day × 120 days × ₱5,000 = ₱1,800 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,700 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: interest 9% a month against the 6% cap (above it); all-in 13.5% a month against the 12% cap (above it) (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 PesoHere with the other recorded apps, or get it from its official Google Play listing.
PesoHere interest rate and what you pay back
Daily interest 0.30%; monthly EIR 9.0%; maximum APR 108% including all applicable fees.Its own example, ₱8,000 for 100 days
Total Repayment: ₱8,000 (principal) + ₱2,400 (interest) = ₱10,400
- You pay back
- Up to ₱6,800
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱1,800
- Interest a month, at most
- 9%
- All-in cost (EIR) a month, at most
- 13.5%
- Share of the loan
- 36%
Stated interest of 9% a month is above the 6% nominal cap.
Terms from PesoHere's Google Play listing, updated Aug 6, 2026. The calculator gives the same ₱10,400 for PesoHere'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
PesoHere Disclosure Statement, worked out: ₱5,000 for 120 days
PesoHere 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 | 0.3% a day × 120 days × ₱5,000 | PesoHere's published maximum | ₱1,800 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱1,800 |
| Simple annual rate | PesoHere publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 108% |
| Late penalty, at most | 5% × ₱6,800 due | SEC MC No. 14 s.2025 Sec. 3 | ₱340 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 × ₱1,800, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from PesoHere?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱1,500 less than PesoHere's published maximum of ₱1,800.
Skip PesoHere if
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
- you need more than 120 days to repay.
- you need more than ₱10,000.
- you have no regular income: it asks for "employment details".
PesoHere requirements, customer service and how to pay
- Requirements
- Valid government ID; Employment details
- support@Pesohereph.com
- Phone
- +63 9382403402
- Hours
- Workdays, 8 AM to 6 PM
- Pay through
- The channels shown in the app for your loan
As PesoHere lists them on its Google Play listing, updated Aug 6, 2026. Use only these channels or the app itself. Source
If you cannot pay PesoHere on time
If all ₱6,800 of a ₱5,000, 120-day PesoHere loan fell due unpaid, the penalty could be at most ₱340 a month, and interest, fees and penalties together could never pass ₱5,000. SUPER-SPACE PH 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 PesoHere first at support@Pesohereph.com or +63 9382403402. If that fails, report SUPER-SPACE PH 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.
Other apps from SUPER-SPACE PH LENDING INC
SUPER-SPACE PH LENDING 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.
- PesoKuwento listed as "PesoKuwento"
This page covers PesoHere's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact PesoHere first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about PesoHere
Who owns PesoHere?
SUPER-SPACE PH LENDING INC (SEC Reg. No. 2021030008899), which also runs PesoKuwento, per the SEC list dated Sep 29, 2026.
What is PesoHere's interest rate?
PesoHere states (PesoHere's Google Play listing, updated Aug 6, 2026): "Daily interest 0.30%; monthly EIR 9.0%; maximum APR 108% including all applicable fees." On ₱5,000 for 120 days: interest of 9% a month and an all-in cost of 13.5% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for PesoHere?
PesoHere lists (PesoHere's Google Play listing, updated Aug 6, 2026): Valid government ID; Employment details.
What is PesoHere's customer service number or e-mail?
Phone: +63 9382403402. E-mail: support@Pesohereph.com. Hours: Workdays, 8 AM to 6 PM. As listed by PesoHere (PesoHere's Google Play listing, updated Aug 6, 2026).
Does PesoHere call your contacts?
SUPER-SPACE PH 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 PesoHere at support@Pesohereph.com, then the SEC on 14732.
Cheaper than PesoHere 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.