Is SAVii legit?
SAVii 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 New Cross Credit and Financing Gate PH, Inc (SEC Reg. No. CS201628816, CA No. 1288). The SEC list dated Sep 29, 2026 records it as "Savii". The app was formerly called Uploan (SEC list remarks). 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 "Savii" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | New Cross Credit and Financing Gate PH, Inc., CS201628816 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1288 (as printed by SAVii) | Google Play, updated Jul 31, 2026 |
| Price published | Yes: 0.5% to 3.5% a month on salary loans; its example deducts a ₱750 processing fee and a ₱95 bank fee. | Google Play, updated Jul 31, 2026 |
| Loan amount and term | 30 to 1800 days | Its published terms |
| Google Play rating | 4.8 of 5 from 64,320 ratings, 500K+ installs, as of Oct 2, 2026 | Google Play, updated Jul 31, 2026 |
On ₱5,000 for 120 days, SAVii's published terms come to at most ₱1,545 in interest and fees (₱945 at its lowest published rate): interest of 3.5% a month and an all-in cost of 14% a month, higher because its processing fee and bank fee comes off the cash, so you get ₱4,155 but repay on ₱5,000, and you repay in instalments but pay interest on the original amount the whole time. SAVii on Google Play, updated Jul 31, 2026
Working: 3.5% a month × 120/30 × ₱5,000 = ₱700 interest; processing fee ₱750 = ₱750; bank fee ₱95 = ₱95. The all-in rate is the monthly rate at which 4 payments of ₱1,425 repay the ₱4,155 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: interest 3.5% a month against the 6% cap; all-in 14% a month against the 12% cap (above it) (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 SAVii with the other recorded apps, or get it from its official Google Play listing.
Also known as Uploan.
SAVii interest rate and what you pay back
0.5% to 3.5% a month on salary loans; its example deducts a ₱750 processing fee and a ₱95 bank fee.Its own example, ₱10,000 for 90 days
Disbursed amount: ₱10,000 - ₱750 (Processing Fee) - ₱95 (Bank Fee) = ₱9,155; Repayment Amount: ₱10,150
- You pay back
- ₱5,100 to ₱5,700
- Cash you receive
- ₱4,155
- Interest and fees
- ₱945 to ₱1,545
- Interest a month, at most
- 3.5%
- All-in cost (EIR) a month, at most
- 14%
- Share of the loan
- 30.9%
Terms from SAVii's Google Play listing, updated Jul 31, 2026. The calculator gives the same ₱10,150 for SAVii'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
SAVii Disclosure Statement, worked out: ₱5,000 for 120 days
SAVii 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 − ₱845 taken off | RA 3765 Sec. 4(5) | ₱4,155 |
| Interest | 3.5% a month × 120/30 × ₱5,000 | SAVii's published maximum | ₱700 |
| Processing fee | ₱750, taken off the cash | Part of the finance charge, RA 3765 Sec. 3(3) | ₱750 |
| Bank fee | ₱95, taken off the cash | Part of the finance charge, RA 3765 Sec. 3(3) | ₱95 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱1,545 |
| Late penalty, at most | 5% × ₱5,700 due | SEC MC No. 14 s.2025 Sec. 3 | ₱285 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 × ₱1,545, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from SAVii?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱1,245 less than SAVii's published maximum of ₱1,545.
Choose SAVii if
- you want to spread payments over as long as 1800 days.
Skip SAVii if
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
- you need the full amount in hand: you receive ₱4,155 of ₱5,000.
- you have no regular income: it asks for "two latest payslips".
- your employer is not one of its partners: it lends only through them.
SAVii requirements, customer service and how to pay
- Requirements
- Company ID; Valid government ID; Two latest payslips
- appsupport@savii.io
- Phone
- Not listed on its Google Play listing
- Pay through
- Deducted from your salary
As SAVii lists them on its Google Play listing, updated Jul 31, 2026. Use only these channels or the app itself. Source
If you cannot pay SAVii on time
If all ₱5,700 of a ₱5,000, 120-day SAVii loan fell due unpaid, the penalty could be at most ₱285 a month, and interest, fees and penalties together could never pass ₱5,000. New Cross Credit and Financing Gate PH, 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 New Cross Credit and Financing Gate PH, 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 SAVii's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact SAVii first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about SAVii
Who owns SAVii?
New Cross Credit and Financing Gate PH, Inc (SEC Reg. No. CS201628816), per the SEC list dated Sep 29, 2026.
What is SAVii's interest rate?
SAVii states (SAVii's Google Play listing, updated Jul 31, 2026): "0.5% to 3.5% a month on salary loans; its example deducts a ₱750 processing fee and a ₱95 bank fee." On ₱5,000 for 120 days: interest of 3.5% a month and an all-in cost of 14% a month, higher because its processing fee and bank fee comes off the cash, so you get ₱4,155 but repay on ₱5,000, and you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for SAVii?
SAVii lists (SAVii's Google Play listing, updated Jul 31, 2026): Company ID; Valid government ID; Two latest payslips.
What is SAVii's customer service number or e-mail?
E-mail: appsupport@savii.io. As listed by SAVii (SAVii's Google Play listing, updated Jul 31, 2026).
How do I pay my SAVii loan?
SAVii lists these channels (SAVii's Google Play listing, updated Jul 31, 2026): Deducted from your salary. 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 SAVii call your contacts?
New Cross Credit and Financing Gate PH, 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 SAVii at appsupport@savii.io, then the SEC on 14732.
Cheaper than SAVii 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.