Is Pesos.ph legit?
Yes. Pesos.ph is on the SEC list of recorded online lending platforms. It is run by Philippine Rup Financing Corporation (SEC Reg. No. CS201909023, CA No. 1218). The SEC list dated Sep 29, 2026 records it as "Pesos.ph". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Pesos.ph" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Philippine Rup Financing Corporation, CS201909023 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1218 (as printed by Pesos.ph) | Google Play, updated Sep 23, 2026 |
| Price published | Yes: Annual interest rate 3.5% to 24%. | Google Play, updated Sep 23, 2026 |
| Loan amount and term | ₱1,500 to ₱50,000, over 91 to 180 days | Google Play, updated Sep 23, 2026 |
| Google Play rating | 4.8 of 5 from 46,064 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated Sep 23, 2026 |
On ₱5,000 for 120 days, Pesos.ph's published terms come to at most ₱395 in interest and fees (₱58 at its lowest published rate): interest of 1.97% a month and an all-in cost of 3.1% a month, higher because you repay in instalments but pay interest on the original amount the whole time. Pesos.ph on Google Play, updated Sep 23, 2026
Working: 24% a year × 120/365 days × ₱5,000 = ₱395 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,349 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 1.97% a month against the 6% cap; all-in 3.1% 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 Pesos.ph with the other recorded apps, or get it from its official Google Play listing.
Pesos.ph interest rate and what you pay back
Annual interest rate 3.5% to 24%.Its own example, ₱15,000 for 120 days
₱15,000 + (₱15,000 × 18.3% / 365 × 120) = ₱15,902.47
- You pay back
- ₱5,058 to ₱5,395
- Cash you receive
- ₱5,000
- Interest and fees
- ₱58 to ₱395
- Interest a month, at most
- 1.97%
- All-in cost (EIR) a month, at most
- 3.1%
- Share of the loan
- 7.9%
Terms from Pesos.ph's Google Play listing, updated Sep 23, 2026. The calculator gives the same ₱15,902 for Pesos.ph'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
Pesos.ph Disclosure Statement, worked out: ₱5,000 for 120 days
Pesos.ph 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 | 24% a year × 120/365 days × ₱5,000 | Pesos.ph's published maximum | ₱395 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱395 |
| Simple annual rate | Pesos.ph publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 24% |
| Late penalty, at most | 5% × ₱5,395 due | SEC MC No. 14 s.2025 Sec. 3 | ₱270 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 × ₱395, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱789 |
Should you borrow from Pesos.ph?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱95 less than Pesos.ph's published maximum of ₱395.
Choose Pesos.ph if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you need up to ₱50,000.
Pesos.ph requirements, customer service and how to pay
- Requirements
- At least 18 years old
- support@pesosph.com, rupofficial2019@gmail.com
- Phone
- Not listed on its Google Play listing
- Hours
- Weekdays, 9 AM to 6 PM
- Pay through
- The channels shown in the app for your loan
As Pesos.ph lists them on its Google Play listing, updated Sep 23, 2026. Use only these channels or the app itself. Source
If you cannot pay Pesos.ph on time
If all ₱5,395 of a ₱5,000, 120-day Pesos.ph loan fell due unpaid, the penalty could be at most ₱270 a month, and interest, fees and penalties together could never pass ₱5,000. Philippine Rup Financing Corporation'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 Pesos.ph first at support@pesosph.com or rupofficial2019@gmail.com. If that fails, report Philippine Rup Financing Corporation 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 Pesos.ph's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Pesos.ph first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Pesos.ph
Who owns Pesos.ph?
Philippine Rup Financing Corporation (SEC Reg. No. CS201909023), per the SEC list dated Sep 29, 2026.
What is Pesos.ph's interest rate?
Pesos.ph states (Pesos.ph's Google Play listing, updated Sep 23, 2026): "Annual interest rate 3.5% to 24%." On ₱5,000 for 120 days: interest of 1.97% a month and an all-in cost of 3.1% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Pesos.ph?
Pesos.ph lists (Pesos.ph's Google Play listing, updated Sep 23, 2026): At least 18 years old.
What is Pesos.ph's customer service number or e-mail?
E-mail: support@pesosph.com, rupofficial2019@gmail.com. Hours: Weekdays, 9 AM to 6 PM. As listed by Pesos.ph (Pesos.ph's Google Play listing, updated Sep 23, 2026).
Does Pesos.ph call your contacts?
Philippine Rup Financing Corporation 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 Pesos.ph at support@pesosph.com, then the SEC on 14732.
Cheaper than Pesos.ph 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.