Is Pocketcash (Vanguard) legit?
Yes. Pocketcash (Vanguard) is on the SEC list of recorded online lending platforms. It is run by VANGUARD LENDING CORP (SEC Reg. No. CS201919994). The SEC list dated Sep 29, 2026 records it as "Pocketcash". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Pocketcash" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | VANGUARD LENDING CORP, CS201919994 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | Not on Pocketcash (Vanguard)'s listing or the SEC list | SEC list, Sep 29, 2026 |
| Price published | No rate on Pocketcash (Vanguard)'s website |
Pocketcash (Vanguard) publishes no interest rate, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask Pocketcash (Vanguard) for its Disclosure Statement before you accept, or compare apps that publish their price.
Not the same as Pocketcash (Elending) (Elending Lending Inc, on the SEC list). Check the company name in the app before you borrow: Pocketcash (Vanguard) here is VANGUARD LENDING CORP.
Should you borrow from Pocketcash (Vanguard)?
You see Pocketcash (Vanguard)'s price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Skip Pocketcash (Vanguard) if
- you want to know the cost before you apply: it publishes no rate.
If you cannot pay Pocketcash (Vanguard) on time
On Pocketcash (Vanguard) 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. VANGUARD LENDING CORP'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).
If that fails, report VANGUARD LENDING CORP 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 VANGUARD LENDING CORP
VANGUARD LENDING CORP runs 2 apps on the SEC list. They share one SEC registration, so a complaint about any of them goes against the same company.
- Pondocash listed as "Pondocash"
This page covers Pocketcash (Vanguard)'s published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Pocketcash (Vanguard) first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Pocketcash (Vanguard)
Who owns Pocketcash (Vanguard)?
VANGUARD LENDING CORP (SEC Reg. No. CS201919994), which also runs Pondocash, per the SEC list dated Sep 29, 2026.
Does Pocketcash (Vanguard) call your contacts?
VANGUARD LENDING CORP 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). Report it to the SEC on 14732.
Cheaper than Pocketcash (Vanguard) 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.