Is Surity Cash legit?
Surity Cash 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 Surity Cash Lending Investors Corp (SEC Reg. No. CS201910185, CA No. 3013). The SEC list dated Sep 29, 2026 records it as "Surity Cash". A past SEC revocation was lifted (En Banc 04-25-573). 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 "Surity Cash" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Surity Cash Lending Investors Corp., CS201910185 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3013 (as printed by Surity Cash) | Google Play, updated Sep 24, 2026 |
| Price published | Yes: Maximum APR 180%; service fees 0% to 10%; interest from 0.5%. | Google Play, updated Sep 24, 2026 |
| Loan amount and term | ₱1,000 to ₱25,000, over 91 to 180 days | Google Play, updated Sep 24, 2026 |
| Google Play rating | 4.7 of 5 from 113,811 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated Sep 24, 2026 |
On ₱5,000 for 120 days, Surity Cash's published terms come to at most ₱3,459 in interest and fees: interest of 14.79% a month and an all-in cost of 24.9% a month, higher because its service fee is added on top, and you repay in instalments but pay interest on the original amount the whole time. Surity Cash on Google Play, updated Sep 24, 2026
Working: 180% a year × 120/365 days × ₱5,000 = ₱2,959 interest; service fee 10% × ₱5,000 = ₱500. The all-in rate is the monthly rate at which 4 payments of ₱2,115 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: interest 14.79% a month against the 6% cap (above it); all-in 24.9% 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 Surity Cash with the other recorded apps, or get it from its official Google Play listing.
Surity Cash interest rate and what you pay back
Maximum APR 180%; service fees 0% to 10%; interest from 0.5%.Its own example, ₱10,000 for 91 days
Total Repayment: PHP 10,000 + PHP 249.32 + PHP 500.00 = PHP 10,749.32
- You pay back
- Up to ₱8,459
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱3,459
- Interest a month, at most
- 14.79%
- All-in cost (EIR) a month, at most
- 24.9%
- Share of the loan
- 69.2%
Stated interest of 14.79% a month is above the 6% nominal cap.
Terms from Surity Cash's Google Play listing, updated Sep 24, 2026. The calculator gives the same ₱10,749 for Surity Cash'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
Surity Cash Disclosure Statement, worked out: ₱5,000 for 120 days
Surity Cash 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 | 180% a year × 120/365 days × ₱5,000 | Surity Cash's published maximum | ₱2,959 |
| Service fee | 10% × ₱5,000, added to repayment | Part of the finance charge, RA 3765 Sec. 3(3) | ₱500 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱3,459 |
| Simple annual rate | Surity Cash publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 180% |
| Late penalty, at most | 5% × ₱8,459 due | SEC MC No. 14 s.2025 Sec. 3 | ₱423 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 × ₱3,459, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from Surity Cash?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱3,159 less than Surity Cash's published maximum of ₱3,459.
Skip Surity Cash if
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
Surity Cash requirements, customer service and how to pay
- Requirements
- Filipino citizen with a valid ID; 18+ years old
- customerservice@suritycash.ph
- Phone
- Not listed on its Google Play listing
- Pay through
- The channels shown in the app for your loan
As Surity Cash lists them on its Google Play listing, updated Sep 24, 2026. Use only these channels or the app itself. Source
If you cannot pay Surity Cash on time
If all ₱8,459 of a ₱5,000, 120-day Surity Cash loan fell due unpaid, the penalty could be at most ₱423 a month, and interest, fees and penalties together could never pass ₱5,000. Surity Cash Lending Investors 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).
Complain to Surity Cash first at customerservice@suritycash.ph. If that fails, report Surity Cash Lending Investors 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.
This page covers Surity Cash's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Surity Cash first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Surity Cash
Who owns Surity Cash?
Surity Cash Lending Investors Corp (SEC Reg. No. CS201910185), per the SEC list dated Sep 29, 2026.
What is Surity Cash's interest rate?
Surity Cash states (Surity Cash's Google Play listing, updated Sep 24, 2026): "Maximum APR 180%; service fees 0% to 10%; interest from 0.5%." On ₱5,000 for 120 days: interest of 14.79% a month and an all-in cost of 24.9% a month, higher because its service fee is added on top, and you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Surity Cash?
Surity Cash lists (Surity Cash's Google Play listing, updated Sep 24, 2026): Filipino citizen with a valid ID; 18+ years old.
What is Surity Cash's customer service number or e-mail?
E-mail: customerservice@suritycash.ph. As listed by Surity Cash (Surity Cash's Google Play listing, updated Sep 24, 2026).
Does Surity Cash call your contacts?
Surity Cash Lending Investors 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). Raise it with Surity Cash at customerservice@suritycash.ph, then the SEC on 14732.
Cheaper than Surity Cash 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.