Is VCash legit?
No. VCash is not on the SEC list of lending apps. The SEC ordered it to stop lending in a cease and desist order dated Feb 3, 2022. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| On the SEC list of recorded online lending platforms (dated Sep 29, 2026) | No | SEC list, Sep 29, 2026 |
| SEC finding | 1 document, latest SEC cease and desist order of Feb 3, 2022 | SEC, Feb 3, 2022 |
The SEC named VCash in an SEC cease and desist order dated Feb 3, 2022, one of 5 apps it names.
Next: find a lender on the SEC list instead, and report VCash if it contacted you.
The SEC record on VCash
“TACOLOAN; VCASH; 365 CASH; SWIPECASH; and BOOTCASH”
| Date | SEC document | Named as |
|---|---|---|
| Feb 3, 2022 | SEC cease and desist orderTACOLOAN; VCASH; 365 CASH; SWIPECASH; and BOOTCASHIt names 5 apps | VCash |
These SEC documents name the app without a store address.
If you already used VCash
- Send VCash no more money, ID or bank details: the SEC named it in its SEC cease and desist order dated Feb 3, 2022. The SEC's advisory of Aug 20, 2026 says not to transact with, send personal information to or pay any advance payment or fee to an app missing from its list.
- Switch off its contacts permission. A lender may not contact anyone in your phone contacts other than the guarantors you named, whether or not it is on the SEC list. (DICT, NPC and SEC, Mar 18, 2026)
- If it messaged your contacts or posted your photo, file with the National Privacy Commission: send its Complaints-Assisted Form (CAF) to complaints@privacy.gov.ph (privacy.gov.ph).
- Report VCash on SEC hotline 14732 or the iMessage portal. Lending without SEC authority carries a ₱10,000 to ₱50,000 fine, six months to ten years in prison, or both (RA 9474 Sec. 12).
Need a loan now? No lender pays to appear on this site or to change its position. Search the SEC list of recorded lending apps or compare the recorded apps by what you pay back. A recorded lender prints its company name, SEC Registration No. and Certificate of Authority No. in the app and its ads (SEC MC No. 19 s.2019, Sec. 1).
This page covers VCash's SEC record. To report it or a harassment campaign, use the SEC (hotline 14732) and the National Privacy Commission; to recover money or bring a case, see a lawyer.
Questions about VCash
Can VCash post me on Facebook or message my contacts?
No. Publishing a borrower's name and personal details as someone who refuses to pay is an unfair collection practice (SEC MC No. 18 s.2019, Sec. 1(d)). Call the National Privacy Commission on (+63) 2 5322 1322 local 114 or 115 about a post or message.
How do I remove my information from VCash?
Uninstall the app after switching off its contacts and photos permissions, then file a complaint with the National Privacy Commission using its Complaints-Assisted Form (CAF) sent to complaints@privacy.gov.ph.
Can I be jailed for not paying VCash?
The 1987 Constitution says: "No person shall be imprisoned for debt or non-payment of a poll tax." (1987 Constitution, Art. III, Sec. 20). Issuing a check that bounces is a separate offense under BP Blg. 22.