Is Pitacash legit?
Pitacash 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 Finance Technologies Inc (SEC Reg. No. CS201902369, CA No. 1200). The SEC list dated Sep 29, 2026 records it as "Pitacash". 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 "Pitacash" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Finance Technologies Inc., CS201902369 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1200 (as printed by Pitacash) | Google Play, updated Sep 16, 2026 |
| Price published | Yes: Maximum APR 27%. Its example applies the 27% to a 120-day loan: ₱1,350 on ₱5,000. | Google Play, updated Sep 16, 2026 |
| Loan amount and term | ₱1,000 to ₱25,000, over 120 to 180 days | Google Play, updated Sep 16, 2026 |
| Google Play rating | 4.8 of 5 from 40,558 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated Sep 16, 2026 |
On ₱5,000 for 120 days, Pitacash's published terms come to at most ₱1,350 in interest and fees: interest of 6.75% a month and an all-in cost of 10.3% a month, higher because you repay in instalments but pay interest on the original amount the whole time. Pitacash on Google Play, updated Sep 16, 2026
Working: 27% of ₱5,000 for the term = ₱1,350 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,588 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: interest 6.75% a month against the 6% cap (above it); all-in 10.3% 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 Pitacash with the other recorded apps, or get it from its official Google Play listing.
Pitacash interest rate and what you pay back
Maximum APR 27%. Its example applies the 27% to a 120-day loan: ₱1,350 on ₱5,000.Its own example, ₱5,000 for 120 days
The interest payment would be 1,350 PHP. The total amount payable will be 5,000 PHP + 1,350 PHP = 6,350 PHP.
- You pay back
- Up to ₱6,350
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱1,350
- Interest a month, at most
- 6.75%
- All-in cost (EIR) a month, at most
- 10.3%
- Share of the loan
- 27%
Stated interest of 6.75% a month is above the 6% nominal cap.
Terms from Pitacash's Google Play listing, updated Sep 16, 2026. The calculator gives the same ₱6,350 for Pitacash'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
Pitacash Disclosure Statement, worked out: ₱5,000 for 120 days
Pitacash 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 | 27% of ₱5,000 for the term | Pitacash's published maximum | ₱1,350 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱1,350 |
| Simple annual rate | Pitacash publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 27% |
| Late penalty, at most | 5% × ₱6,350 due | SEC MC No. 14 s.2025 Sec. 3 | ₱318 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 × ₱1,350, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from Pitacash?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱1,050 less than Pitacash's published maximum of ₱1,350.
Choose Pitacash if
- you have one valid ID and no payslip.
Skip Pitacash if
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
- you have no regular income: it asks for "has an income: employed, business owner or self-employed".
Pitacash requirements, customer service and how to pay
- Requirements
- One valid ID; Filipino living in the Philippines; Has an income: employed, business owner or self-employed; Aged 21 to 70
- In its words
Requirements: Only (1) one Valid ID
- support@pitacash.ph
- Phone
- Not listed on its Google Play listing
- Pay through
- GCash (Dragon Loans), 7-Eleven CLiQQ, Cebuana Pawnshop, Bayad Center, Palawan Express, LBC, M Lhuillier, Metrobank Online, Landbank Online, BDO Internet Banking, Chinabank Online, PNB Internet Banking
As Pitacash lists them on its Google Play listing, updated Sep 16, 2026. Use only these channels or the app itself. Source
If you cannot pay Pitacash on time
If all ₱6,350 of a ₱5,000, 120-day Pitacash loan fell due unpaid, the penalty could be at most ₱318 a month, and interest, fees and penalties together could never pass ₱5,000. Finance Technologies 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 Pitacash first at support@pitacash.ph. If that fails, report Finance Technologies 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 Pitacash's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Pitacash first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Pitacash
Who owns Pitacash?
Finance Technologies Inc (SEC Reg. No. CS201902369), per the SEC list dated Sep 29, 2026.
What is Pitacash's interest rate?
Pitacash states (Pitacash's Google Play listing, updated Sep 16, 2026): "Maximum APR 27%. Its example applies the 27% to a 120-day loan: ₱1,350 on ₱5,000." On ₱5,000 for 120 days: interest of 6.75% a month and an all-in cost of 10.3% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Pitacash?
Pitacash lists (Pitacash's Google Play listing, updated Sep 16, 2026): One valid ID; Filipino living in the Philippines; Has an income: employed, business owner or self-employed; Aged 21 to 70.
What is Pitacash's customer service number or e-mail?
E-mail: support@pitacash.ph. As listed by Pitacash (Pitacash's Google Play listing, updated Sep 16, 2026).
How do I pay my Pitacash loan?
Pitacash lists these channels (Pitacash's Google Play listing, updated Sep 16, 2026): GCash (Dragon Loans), 7-Eleven CLiQQ, Cebuana Pawnshop, Bayad Center, Palawan Express, LBC, M Lhuillier, Metrobank Online, Landbank Online, BDO Internet Banking, Chinabank Online, PNB Internet Banking. You should get a payment reference or receipt in the app; if none appears, the payment has not posted, so keep your proof of payment.
Does Pitacash call your contacts?
Finance Technologies 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 Pitacash at support@pitacash.ph, then the SEC on 14732.
Cheaper than Pitacash 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.