Is Xlkash legit?
Yes. Xlkash is on the SEC list of recorded online lending platforms. It is run by Xlkash Lending Corp (SEC Reg. No. CS201917309, CA No. 3136). The SEC list dated Sep 29, 2026 records it as "Xlkash Lending". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Xlkash Lending" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Xlkash Lending Corp., CS201917309 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3136 (as printed by Xlkash) | Google Play, updated Aug 28, 2026 |
| Price published | Yes: Minimum APR 18%; maximum APR 30%. | Google Play, updated Aug 28, 2026 |
| Loan amount and term | ₱2,000 to ₱60,000, over 91 to 180 days | Google Play, updated Aug 28, 2026 |
| Google Play rating | 4.6 of 5 from 35,463 ratings, 500K+ installs, as of Oct 2, 2026 | Google Play, updated Aug 28, 2026 |
On ₱5,000 for 120 days, Xlkash's published terms come to at most ₱500 in interest and fees (₱300 at its lowest published rate): interest of 2.5% 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. Xlkash on Google Play, updated Aug 28, 2026
Working: 30% a year × 120/360 days × ₱5,000 = ₱500 interest. The all-in rate is the monthly rate at which 4 payments of ₱1,375 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 2.5% 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 Xlkash with the other recorded apps, or get it from its official Google Play listing.
Xlkash interest rate and what you pay back
Minimum APR 18%; maximum APR 30%.Its own example, ₱15,000 for 120 days
The interest you need to pay is: ₱15,000 * 0.05% * 120 = ₱900
- You pay back
- ₱5,300 to ₱5,500
- Cash you receive
- ₱5,000
- Interest and fees
- ₱300 to ₱500
- Interest a month, at most
- 2.5%
- All-in cost (EIR) a month, at most
- 3.9%
- Share of the loan
- 10%
Terms from Xlkash's Google Play listing, updated Aug 28, 2026. The calculator gives the same ₱15,900 for Xlkash'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
Xlkash Disclosure Statement, worked out: ₱5,000 for 120 days
Xlkash 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 × 120/360 days × ₱5,000 | Xlkash's published maximum | ₱500 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱500 |
| Simple annual rate | Xlkash publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 30% |
| Late penalty, at most | 5% × ₱5,500 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 × ₱500, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱1,000 |
Should you borrow from Xlkash?
For ₱5,000 over 120 days, HappyPera2 costs at most ₱395, which is ₱105 less than Xlkash's published maximum of ₱500.
Choose Xlkash if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you need up to ₱60,000.
Xlkash requirements, customer service and how to pay
- Requirements
- At least 18 years old; Citizen of the Philippines; Valid collection account
- support_ad@xlkashlending.com
- Phone
- Not listed on its Google Play listing
- Pay through
- The channels shown in the app for your loan
As Xlkash lists them on its Google Play listing, updated Aug 28, 2026. Use only these channels or the app itself. Source
If you cannot pay Xlkash on time
If all ₱5,500 of a ₱5,000, 120-day Xlkash loan fell due unpaid, the penalty could be at most ₱275 a month, and interest, fees and penalties together could never pass ₱5,000. Xlkash Lending 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 Xlkash first at support_ad@xlkashlending.com. If that fails, report Xlkash Lending 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 Xlkash's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Xlkash first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Xlkash
Who owns Xlkash?
Xlkash Lending Corp (SEC Reg. No. CS201917309), per the SEC list dated Sep 29, 2026.
What is Xlkash's interest rate?
Xlkash states (Xlkash's Google Play listing, updated Aug 28, 2026): "Minimum APR 18%; maximum APR 30%." On ₱5,000 for 120 days: interest of 2.5% 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 are the requirements for Xlkash?
Xlkash lists (Xlkash's Google Play listing, updated Aug 28, 2026): At least 18 years old; Citizen of the Philippines; Valid collection account.
What is Xlkash's customer service number or e-mail?
E-mail: support_ad@xlkashlending.com. As listed by Xlkash (Xlkash's Google Play listing, updated Aug 28, 2026).
Does Xlkash call your contacts?
Xlkash Lending 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 Xlkash at support_ad@xlkashlending.com, then the SEC on 14732.
Cheaper than Xlkash for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- HappyPera2: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,000 to ₱100,000. Downside: skip it if you have no regular income: it asks for "steady source of income".
- Loanova: at most ₱480 in interest and fees (29.2% a year × 120/365 days × ₱5,000 = ₱480 interest); lends ₱4,000 to ₱100,000. Downside: skip it if you have no regular income: it asks for "active phone number and regular income".
- Lpeso: at most ₱480 in interest and fees (29.2% a year × 120/365 days × ₱5,000 = ₱480 interest); lends ₱3,000 to ₱60,000. Downside: skip it if you have no regular income: it asks for "verifiable source of income".