Is Vamo legit?
Yes. Vamo is on the SEC list of recorded online lending platforms. It is run by Vamo Lending Inc (SEC Reg. No. CS20200000915). The SEC list dated Sep 29, 2026 records it as "Vamo". SEC list of recorded online lending platforms, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Vamo" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Vamo Lending Inc., CS20200000915 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | Not on Vamo's listing or the SEC list | SEC list, Sep 29, 2026 |
| Price published | No rate on Vamo's website |
We could not confirm Vamo's interest rate from the sources checked. Ask for the rate, all fees and total repayment in your Disclosure Statement before accepting a loan.
Next: ask Vamo for its Disclosure Statement before you accept, or compare apps that publish their price.
Should you borrow from Vamo?
Without a confirmed rate for Vamo, we cannot tell whether it is cheaper than another lender. For comparison, Pocketcash (Elending)'s published terms give a cost of ₱300 for ₱5,000 over 120 days; compare this with your actual offer.
Skip Vamo if
- you need a confirmed total cost before applying: the sources checked do not provide a rate.
If you cannot pay Vamo on time
On Vamo 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. Vamo 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).
If that fails, report Vamo 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.
This page covers Vamo's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Vamo first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Vamo
Who owns Vamo?
Vamo Lending Inc (SEC Reg. No. CS20200000915), per the SEC list dated Sep 29, 2026.
Does Vamo call your contacts?
Vamo 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). Report it to the SEC on 14732.
Compare published costs for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
| App | Most you pay back | Lends | Approval needs | Downside |
|---|---|---|---|---|
| Pocketcash (Elending) | ₱5,30018% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees) | ₱1,000 to ₱50,00091 to 360 days | Resident of the Philippines; At least 18 years old | None in Pocketcash (Elending)'s published terms |
| Vplus | ₱5,30018% a year × 120/360 days × ₱5,000 = ₱300 interest | ₱1,000 to ₱50,00091 to 180 days | One valid ID | None in Vplus's published terms |
| Pesos.ph | ₱5,39524% a year × 120/365 days × ₱5,000 = ₱395 interest | ₱1,500 to ₱50,00091 to 180 days | At least 18 years old | None in Pesos.ph's published terms |
