Is PXT Lending legit?
Yes. PXT Lending is on the SEC list of recorded online lending platforms. It is run by PXT Lending Investors Inc (SEC Reg. No. CS201803298). The SEC list dated Sep 29, 2026 records it as "PXT Lending Investors Inc". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "PXT Lending Investors Inc" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | PXT Lending Investors Inc, CS201803298 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | Not on PXT Lending's listing or the SEC list | SEC list, Sep 29, 2026 |
| Price published | No rate on PXT Lending's website |
PXT Lending publishes no interest rate, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask PXT Lending for its Disclosure Statement before you accept, or compare apps that publish their price.
Should you borrow from PXT Lending?
You see PXT Lending's price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Skip PXT Lending if
- you want to know the cost before you apply: it publishes no rate.
If you cannot pay PXT Lending on time
On PXT Lending 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. PXT Lending Investors 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).
If that fails, report PXT Lending Investors 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 PXT Lending's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact PXT Lending first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about PXT Lending
Who owns PXT Lending?
PXT Lending Investors Inc (SEC Reg. No. CS201803298), per the SEC list dated Sep 29, 2026.
Does PXT Lending call your contacts?
PXT Lending Investors 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). Report it to the SEC on 14732.
Cheaper than PXT Lending 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.