Lending App Checker

Check if an online lending app is SEC-registered and safe to use. Protect yourself from illegal lenders.

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Red Flags: How to Spot Illegal Lending Apps

  • •Asks for access to your contacts, photos, or gallery
  • •Sends SMS or posts on social media to shame borrowers (debt shaming)
  • •Charges interest rates above 6% per month (SEC maximum)
  • •No clear company name, address, or SEC registration displayed
  • •Requires payment before releasing the loan (advance fees)
  • •Threatens violence, exposure, or illegal collection methods
  • •App not available on Google Play Store (sideloaded APK only)
  • •No physical office address in the Philippines

SEC-Registered Apps

  • Cashalo— Oriente Express Lending Corp.
  • Home Credit— HC Consumer Finance Philippines Inc.
  • Tala— Tala Philippines Inc.
  • GCash GLoan— Fuse Lending Inc.
  • Maya Credit— Maya Credit Inc.
  • CIMB Bank— CIMB Bank Philippines Inc.
  • Tonik— Tonik Digital Bank Inc.
  • UnaPay— UNA Pay Lending Inc.
  • Finbro— Finbro Lending Inc.
  • MoneyCat— MoneyMatch Lending Corp.
  • Digido— Digido Finance Corp.
  • Kviku— KViku Technology Philippines Inc.
  • JuanHand— JuanHand Financing Inc.
  • Billease— First Digital Finance Corp.
  • Crezu— Lead Generation Philippines Inc.

This is not a complete list. Verify via SEC Check App.

Flagged / Illegal Apps

  • PondoPeso— SEC Advisory 2024 — operating without CA
  • CashLending— Reported for harassment and contact list abuse
  • PesoQ— SEC Advisory — unauthorized lending
  • PesoClick— SEC Advisory — unauthorized lending
  • Peso Tree— CA revoked by SEC
  • Quick Peso— Reported for debt shaming on social media
  • CashFly— SEC Advisory — unauthorized lending
  • LoanPeso— SEC Advisory — unauthorized lending
  • iPera— SEC Advisory — unauthorized lending
  • Fast Money— SEC Advisory — unauthorized lending

SEC flags new apps regularly. Check sec.gov.ph for the latest advisories.

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How to Verify a Lending App in the Philippines

  1. Check the SEC website: Visit checkwithsec.sec.gov.ph and search for the company name.
  2. Look for a Certificate of Authority (CA): Legitimate lending companies must display their SEC Certificate of Authority number.
  3. Check the CIC registry: The Credit Information Corporation at creditinfo.gov.ph lists all registered financing and lending companies.
  4. Download the SEC Check App: Available on iOS and Android — the official app to verify SEC-registered companies.

Your Rights as a Borrower

  • Lenders CANNOT access your contacts, photos, or gallery (NPC guidelines)
  • Lenders CANNOT publicly shame you for debts (illegal under SEC rules)
  • Maximum interest rate: 6% per month or 15% per annum (SEC Memorandum Circular)
  • You have the right to file complaints with SEC, NPC, and PNP Anti-Cybercrime

Disclaimer: This tool uses a curated database and may not include all lending apps. Always verify with the SEC directly. iKwenta is not affiliated with any lending company or the SEC. For complaints, contact SEC at (02) 8818-5659 or email efcd-commo@sec.gov.ph.

Anonymised calculation data is stored to improve financial benchmarks. No personal information is collected or shared. See our privacy policy.