Is Pinoy Peso legit?
Yes. Pinoy Peso is on the SEC list of recorded online lending platforms. It is run by Inclusive Credit Lending Inc (SEC Reg. No. CS201909928, CA No. 3007). The SEC list dated Sep 29, 2026 records it as "Pinoy Peso". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Pinoy Peso" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Inclusive Credit Lending Inc., CS201909928 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3007 (as printed by Pinoy Peso) | Google Play, updated Aug 6, 2026 |
| Price published | Yes: Maximum APR 24%; service fee 3% to 10%. | 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 207,117 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated Aug 6, 2026 |
On ₱5,000 for 120 days, Pinoy Peso's published terms come to at most ₱900 in interest and fees: interest of 2% a month and an all-in cost of 7% a month, higher because its service fee is added on top, and you repay in instalments but pay interest on the original amount the whole time. Pinoy Peso on Google Play, updated Aug 6, 2026
Working: 24% a year × 120/360 days × ₱5,000 = ₱400 interest; service fee 10% × ₱5,000 = ₱500. The all-in rate is the monthly rate at which 4 payments of ₱1,475 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 2% a month against the 6% cap; all-in 7% 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 Pinoy Peso with the other recorded apps, or get it from its official Google Play listing.
Pinoy Peso interest rate and what you pay back
Maximum APR 24%; service fee 3% to 10%.Its own example, ₱6,000 for 100 days
repayment amount = ₱ 6,000+interest fee ₱ 400+service fee ₱ 300 =₱ 6,700
- You pay back
- Up to ₱5,900
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱900
- Interest a month, at most
- 2%
- All-in cost (EIR) a month, at most
- 7%
- Share of the loan
- 18%
Terms from Pinoy Peso's Google Play listing, updated Aug 6, 2026. The calculator gives the same ₱6,700 for Pinoy Peso'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
Pinoy Peso Disclosure Statement, worked out: ₱5,000 for 120 days
Pinoy Peso 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 × 120/360 days × ₱5,000 | Pinoy Peso's published maximum | ₱400 |
| Service fee | 10% × ₱5,000, added to repayment | Part of the finance charge, RA 3765 Sec. 3(3) | ₱500 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱900 |
| Simple annual rate | Pinoy Peso publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 24% |
| Late penalty, at most | 5% × ₱5,900 due | SEC MC No. 14 s.2025 Sec. 3 | ₱295 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 × ₱900, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱1,800 |
Should you borrow from Pinoy Peso?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱600 less than Pinoy Peso's published maximum of ₱900.
Choose Pinoy Peso if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
Skip Pinoy Peso if
- you need more than 120 days to repay.
- you need more than ₱10,000.
- you have no regular income: it asks for "stable income".
Pinoy Peso requirements, customer service and how to pay
- Requirements
- Filipino over 18 years old; At least one main ID; Stable income
- pinoypeso.cs05@yahoo.com
- Phone
- 09066676870
- Pay through
- The channels shown in the app for your loan
As Pinoy Peso lists them on its Google Play listing, updated Aug 6, 2026. Use only these channels or the app itself. Source
If you cannot pay Pinoy Peso on time
If all ₱5,900 of a ₱5,000, 120-day Pinoy Peso loan fell due unpaid, the penalty could be at most ₱295 a month, and interest, fees and penalties together could never pass ₱5,000. Inclusive Credit 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 Pinoy Peso first at pinoypeso.cs05@yahoo.com or 09066676870. If that fails, report Inclusive Credit 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 Pinoy Peso's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Pinoy Peso first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Pinoy Peso
Who owns Pinoy Peso?
Inclusive Credit Lending Inc (SEC Reg. No. CS201909928), per the SEC list dated Sep 29, 2026.
What is Pinoy Peso's interest rate?
Pinoy Peso states (Pinoy Peso's Google Play listing, updated Aug 6, 2026): "Maximum APR 24%; service fee 3% to 10%." On ₱5,000 for 120 days: interest of 2% a month and an all-in cost of 7% a month, higher because its service fee is added on top, and you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Pinoy Peso?
Pinoy Peso lists (Pinoy Peso's Google Play listing, updated Aug 6, 2026): Filipino over 18 years old; At least one main ID; Stable income.
What is Pinoy Peso's customer service number or e-mail?
Phone: 09066676870. E-mail: pinoypeso.cs05@yahoo.com. As listed by Pinoy Peso (Pinoy Peso's Google Play listing, updated Aug 6, 2026).
Does Pinoy Peso call your contacts?
Inclusive Credit 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 Pinoy Peso at pinoypeso.cs05@yahoo.com, then the SEC on 14732.
Cheaper than Pinoy Peso 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.