Is SurePeso legit?
Yes. SurePeso is on the SEC list of recorded online lending platforms. It is run by AETHERIUM LENDING, INC (SEC Reg. No. CS201913681, CA No. 3059). The SEC list dated Sep 29, 2026 records it as "SurePeso". The company was formerly Codeblock Lending Inc (SEC list remarks). SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "SurePeso" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | AETHERIUM LENDING, INC., CS201913681 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3059 (as printed by SurePeso) | Google Play, updated Sep 15, 2026 |
| Price published | Yes: Maximum APR 30%; transaction fee ₱0; service fee ₱0. | Google Play, updated Sep 15, 2026 |
| Loan amount and term | ₱2,000 to ₱40,000, over 90 to 360 days | Google Play, updated Sep 15, 2026 |
| Google Play rating | 4.4 of 5 from 1,035 ratings, 10K+ installs, as of Oct 2, 2026 | Google Play, updated Sep 15, 2026 |
On ₱5,000 for 120 days, SurePeso's published terms come to at most ₱493 in interest and fees: interest of 2.47% a month and an all-in cost of 3.9% a month, higher because you repay in instalments but pay interest on the original amount the whole time. SurePeso on Google Play, updated Sep 15, 2026
Working: 30% a year × 120/365 days × ₱5,000 = ₱493 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,373 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 2.47% a month against the 6% cap; all-in 3.9% 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 SurePeso with the other recorded apps, or get it from its official Google Play listing.
SurePeso interest rate and what you pay back
Maximum APR 30%; transaction fee ₱0; service fee ₱0.Its own example, ₱2,000 for 180 days
Total Fee: ₱230; Total Repayment Amount: ₱2,230
- You pay back
- Up to ₱5,493
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱493
- Interest a month, at most
- 2.47%
- All-in cost (EIR) a month, at most
- 3.9%
- Share of the loan
- 9.9%
Terms from SurePeso's Google Play listing, updated Sep 15, 2026. The calculator gives the same ₱2,230 for SurePeso'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
SurePeso Disclosure Statement, worked out: ₱5,000 for 120 days
SurePeso 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 | 30% a year × 120/365 days × ₱5,000 | SurePeso's published maximum | ₱493 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱493 |
| Simple annual rate | SurePeso publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 30% |
| Late penalty, at most | 5% × ₱5,493 due | SEC MC No. 14 s.2025 Sec. 3 | ₱275 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 × ₱493, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱986 |
Should you borrow from SurePeso?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱193 less than SurePeso's published maximum of ₱493.
Choose SurePeso if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you want to spread payments over as long as 360 days.
SurePeso requirements, customer service and how to pay
- Requirements
- Not listed on its Google Play listing
- service@surepeso.com
- Phone
- Not listed on its Google Play listing
- Pay through
- The channels shown in the app for your loan
As SurePeso lists them on its Google Play listing, updated Sep 15, 2026. Use only these channels or the app itself. Source
If you cannot pay SurePeso on time
If all ₱5,493 of a ₱5,000, 120-day SurePeso loan fell due unpaid, the penalty could be at most ₱275 a month, and interest, fees and penalties together could never pass ₱5,000. AETHERIUM 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 SurePeso first at service@surepeso.com. If that fails, report AETHERIUM 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.
Other apps from AETHERIUM LENDING, INC
This page covers SurePeso's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact SurePeso first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about SurePeso
Who owns SurePeso?
AETHERIUM LENDING, INC (SEC Reg. No. CS201913681), which also runs BilisCash, PesoKey, per the SEC list dated Sep 29, 2026.
What is SurePeso's interest rate?
SurePeso states (SurePeso's Google Play listing, updated Sep 15, 2026): "Maximum APR 30%; transaction fee ₱0; service fee ₱0." On ₱5,000 for 120 days: interest of 2.47% a month and an all-in cost of 3.9% a month, higher because you repay in instalments but pay interest on the original amount the whole time.
What is SurePeso's customer service number or e-mail?
E-mail: service@surepeso.com. As listed by SurePeso (SurePeso's Google Play listing, updated Sep 15, 2026).
Does SurePeso call your contacts?
AETHERIUM 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 SurePeso at service@surepeso.com, then the SEC on 14732.
Cheaper than SurePeso 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.