List of SEC-Registered Online Lending Apps in the Philippines 2025

The digital revolution has reshaped the financial landscape globally, and the Philippines is no exception. Online lending platforms, powered by financial technology (fintech), have emerged as a practical solution for individuals and businesses seeking fast and accessible financial services. However, as the industry grows, ensuring safety and legitimacy becomes more critical than ever.

In the Philippines, the Securities and Exchange Commission (SEC) serves as a gatekeeper, ensuring that online lending platforms operate legally and transparently. This guide provides an in-depth look at SEC-registered online lending apps, why they matter, and how you can safely navigate this dynamic sector.

Understanding the Role of the SEC in Online Lending

The SEC is a regulatory body tasked with protecting investors and maintaining market integrity. In the context of online lending, the SEC performs several critical functions:

1. Licensing and Registration

Every online lending platform in the Philippines must register with the SEC before commencing operations. This registration ensures compliance with financial regulations, including transparent reporting and ethical practices.

2. Monitoring and Oversight

The SEC regularly monitors registered platforms to detect any irregularities. This includes scrutinizing interest rates, loan terms, and collection practices to protect borrowers and investors alike.

3. Public Education

Investor education campaigns by the SEC aim to inform the public about the risks and benefits of online lending, empowering them to make smarter financial decisions.

4. Enforcement Actions

The SEC has the authority to impose penalties and sanctions on platforms engaging in fraudulent or illegal activities, ensuring a safer digital lending environment.

Why Choose SEC-Registered Lending Apps?

Opting for SEC-registered online lending platforms ensures reliability and protection. Here’s why it’s essential:

  • Legitimacy: Registered platforms comply with Philippine laws, making them trustworthy and credible.
  • Transparency: These platforms are required to disclose clear loan terms, fees, and financial data.
  • Consumer Protection: Borrowers are safeguarded from unfair practices through SEC-enforced regulations.
  • Lower Risk: SEC oversight reduces the likelihood of scams or fraudulent activities.

Advantages of Online Lending Platforms

Online lending platforms offer numerous benefits compared to traditional banking options:

1. Speed and Convenience

With just a few clicks, users can apply for loans and receive funds quickly—perfect for urgent financial needs.

2. Financial Inclusion

Online lending bridges the gap for underserved populations, particularly those in rural areas without access to traditional banking.

3. Competitive Rates

The competitive nature of the fintech space often results in better interest rates and more flexible terms.

4. Digital Innovation

These platforms drive the digital transformation of financial services in the Philippines, enhancing efficiency and accessibility.

While online lending is convenient, it also comes with risks that borrowers should consider:

  • Overindebtedness: The ease of obtaining loans can lead to excessive borrowing and financial strain.
  • High-Interest Rates: Some platforms may impose steep interest rates, especially for high-risk borrowers.
  • Privacy Issues: Sharing sensitive information online requires vigilance to avoid data breaches.
  • Scams and Fraud: Unregistered or illegitimate platforms can exploit users, emphasizing the need for SEC registration.

Curated List of SEC-Registered Online Lending Apps (2025)

Below is a categorized list of some of the most reliable SEC-registered online lending platforms in the Philippines.

For Personal Loans

  1. Cashalo – Offers flexible payment terms and quick fund disbursement.
  2. Tala – Specializes in small, short-term loans for individuals with limited credit history.
  3. MoneyMax – Provides personal and salary loans with competitive terms.
  4. Starpay – A go-to platform for short-term personal loans with fast approval processes.

For Business Loans

  1. KreditPlus – Tailored financing options for SMEs.
  2. Funding Societies – Connects businesses with potential investors for funding.
  3. PesoNet – Peer-to-peer lending focused on business needs.

For Peer-to-Peer Lending

  1. Investree – Facilitates funding for projects and small businesses.
  2. Fundly – Supports social impact lending with a focus on community development.

List of Recorded Online Lending Platforms 2025

List of Financing and Lending Companies Recorded with the SEC and their Online Lending Platforms as reported pursuant to SEC MC 19, series of 2019 as of 2 November 2021(updated as of 08 October 2024)
In searching for the name of certain Lending Online Lending Platforms, please use the ‘Ctrl+F’ function.

1 Acom Consumer Finance Corporation* CS201724897 1. ACOM – Fast Cash Loan. Simple.
2 Advance Tech Lending Inc. CS201819635 2. https://advance.ph/
3 Aeon Credit Service (Philippines) Inc CS201300789 3. Aeon Credit Service Mobile App
4 And Financing Corporation CS201840930 4. Etomo
5 Armorak Lending Inc CS201908271 5. Ayudas 6.Weloan
6 Asialink Finance Corporation* A199711768 7. Asialink Mobile CRM App
7 Asiasource Financial Inc CS201412567 “8. MotorcycleLoan “
8 “Asteria Lending Inc. Inc. Doing Business under the name and style of Cashbazaar” CS201603853 9. https://www.asteria.com.ph/
9 Buenavista Financing Corporation 0000153432 10. www.bfcloans.ph
10 Cash Mart Asia Lending Inc. CS201610084 11. Cashmart.ph (website)
11 Cashbee Lending Services Inc. CS201912321 12. Cashbee.ph
12 Cashmum Lending Investors Corp. CS202102336 13. Cashmum
13 Cashxpress South East Asia Lending Inc.* CS201951088 14. https://cashxpress.ph/
14 Ceimmarj Financing Incorporated CS200308112 15.https://cfiph.com/(Ceimmarj Facebook page, used for marketing purposes only)
15 Cepat Kredit Financing Inc.* CS201909976 16. www.cepatkreditfinancing.com
16 Codeblock Lending Inc.* CS201913681 “17. Kpeso 18.Opeso 19. Okpeso”
17 Convenience Cash Lending Corp. 2020090002200-05 “20. Zada Cash “
18 Corpfund Lending Investor Corporation DS93000045 (Corpfund Facebook account, used for marketing purposes only)
19 Crawfort Micro Lending Technologies Philippines Inc. CS201906864 21. crawfort.com.ph (FB page, used for marketing purposes only)
20 Creditable Lending Corporation* CS201817516 22. EasyPeso
21 Df Credit Lending Corporation CS202002430 23. Funpera
22 Digido Finance Corp. CS202003056 “24. Unapay 25. Unacash 26. www.digido.ph (website) 27. unapay.com.ph, 28. unacash.com.ph, Digido 29. (Digido Philippines online Loan)”
23 Discovery Credit Solutions Corp. CS202000839 30. https://discoverycsc.com/
24 Dolphin Lending Investor, Inc.* CS201911897 “31. PesoGO 32. Microloan”
25 Easycash Lending Company Inc. CS201001882 33. Easycash
26 E-Borrow Lending Corp. 2020100002616-030 “34. Halika Cash 35. Taga Cash”
27 Educ4All Lending Inc CS201629776 36. www. invested.ph
28 E-Generation Lending Corporation Operating Under The Name Of Pesopay Lending;Cash-Here Lending;Snappy Cash Lending;Mywallet Lending;Mr. Cash Lending;Pesobox Lending;Loanup Lending; 2021070020530-12 37. Mr. Cash
29 Esquire Financing Inc. CS201102284 38. esquire.ph 39. esquire.com.ph (facebook, instagram, twitter and linkedin are used for marketing purposes only)
30 Fast Coin Lending Corp* CS20190000277 40. Coco Peso 41. Cashguard 42. Cashcow
31 Fcash Global Lending Inc. CS201803813 “43. Fast cash 44. Fcash 45. Fastcash VIP 46. .Fast cash loan”
32 Fidoph Lending Corporation CS201825101 “47. Fidoph Philippines 48. www. Fido.ph”
33 Finance Technologies Inc. Doing Business Under The Name Of Pitacash CS201902369 49. Pitacash
34 Fingertip Lending Corp 2020070001053-00 50. Big Loan
35 First Circle Growth Finance Corp* CS201605477 “51. www.my.firstcircle.ph 52. www.firstcircle.ph”
36 First Digital Finance Corporation CS201516347 “53. Balikbayad 54. Billease 55. FDFC 56. Loan Ranger “
37 Flash Cash 101 Lending Corp. CS201915317 “57. Valley loan 58.Lemon Loan”
38 Fuse Lending, Inc. CS201617622 59. Gcredit
39 Global Dominion Financing, Inc.* CS200305834 “60. gdfi.com.ph (Loansolutions.ph, GoDrive.com.ph, https://www.ecomparemo.com, . https://www.moneymax.ph, . https://www.imoney.ph, https://philkotse.com and. https://autodeal.com.ph are not Global Domion’s direct app)”
40 Golden Legacy Lending Corp. 0000193697 61. sss.goldenfinancing.com 62. olap.goldenfinancing.com 63. goldenfinancing.com
41 Grab Financial Services Philippines, Inc CS201905977 “64. GrabFinance (website) 65. Grab Finance (within the Grab application)”
42 Hc Consumer Finance Philippines, Inc. CS201301354 66. My Home Credit
43 Hi-Fin Lending Inc. CS201910995 “67. Peso Wallet 68. Credit Cash”
44 Hupan Lending Technology Inc. CS201901197 69. Cashme 70. EZLoan 71. Sukiloan 72. Cashwow
45 Idirect Finance Company Inc 2021080023709-02 73. Direct Loan
46 Ifun Lending Corp. Doing Business Under The Name And Style Of “Madaloan”; 2021090025243-01 74. Madaloan
47 “Inclusive Credit Lending Inc. *” CS201909928 75 Pinoy Peso
48 Jungle Lending Inc. CS202002223 76. Jungle (https://www.heyjungle.com/)
49 Kayamo Atlas Lending Corp. CS201914952 77. https://kayamo.com.ph/
50 Kidmmanj Lending Inc. CS201729260 www.facebook.com/kidmmanj (for marketing and advertisement purposes)
51 King Cash Lending Investors Inc CS202104554 78. Insta Cash
52 Kusog Pera Lending Inc. CS201916669 79. Kusog Pera 80 SnaPera
53 Kviku Lending Co. Inc.* CS201918702 81. kviku.ph
54 Leapgen Lending Inc. CS201915717 82. Pesohaus
55 Lf Lending Services Corporation CS202001294 Facebook, Instagram and Linked In – LF Lending Services, used for marketing services
56 LHL Online Lending, Inc. CS201916699 “83. Pautang online 84. Pautang Peso”
57 Link Credit Lending Investors Inc CS201914644 “85. Ipeso 86. Pesoin”
58 Loan Star Lending Group Corp. CS201420759 87. loanstarlending.com.ph
59 Lucky Shell Fintech Lending, Inc. CS201912995 “88. LuckyPeso 89. MayPera 90. MiPeso”
60 Magician Of Money Lending Corp.* CS201918391 91. PeraMoo
61 Mali Lending Corp CS201907662 92. Mabilis Cash
62 Masaganang Buhay Finance Philippines Corporation CS201824008 93. Pesoloan
63 Microdot Lending Corporation* CS201951287 94. Credit Cash 95. Credit Peso 96. Cash Baka 97. Cash Mabilis 98. Go Peso
64 Moneycat Financing Inc. CS201953073 “100. Moneycat. Ph 101. One click money.ph”
65 Mr Angel Credit Corp. CS201424334 99. QLO Quick Loans Online (website)
66 Mycash Lending Investors Inc* CS201840987 “100. Paghiram 101.Peso Online 102. PHPocket”
67 Myloan Lending Investors Inc* CS201900197 103. Pesocash
68 Neuroncredit Financing Company Inc. CS201816338 104. Atome PH
69 New Cross Credit And Financing Gate Ph Inc.* CS201628816 105. Uploan PH
70 Nfinit Lending Corporation CS200809669 106. nfnit.com.ph, ( nfnit fb page, used for marketing purposes)
71 Online Loans Pilipinas Financing Inc. CS201726430 “107. Online Loans Pilipinas, 108. Online Loans Pilipinas (Facebook page), 109. Online-loans.ph, 110.Onlineloanspilipinas.ph, 111. Online loans Pilipinas-fastpeso cash lending app, 112 Kreddy.ph, 113. Kreddy-Loans.ph”
72 Paloo Financing, Inc. CS201800209 114. Cashalo
73 Pera247 Lending Corporation CS201734339 115. Pera247
74 “Perajet Lending Corporation (Formerly: Perajet Consultancy Corporation)” CS201629480 116 Perajet
75 Peso Redee Financing Co. Inc. CS201804564 117. Peso Redee
76 Philippine Cashtrout Lending Corporation CS201910407 “118. Pesomio 119. Mocasa 120. Cashoyo”
77 Philippine Rup Financing Corporation CS201909023 121. Pesos.ph
78 Philippine Top Platinum Lending Corporation CS201421830 122. Primeloan.ph
79 Philippine Vastness Lending Corporation CS201918401 123. Vplus
80 Plentina Lending, Inc. Doing Business Under The Name And Style Of Plentina CS20200001117 “124. Plentina.com 125. Plentina”
81 Prima Fintech (Philippines) Lending Corporation* CS201951100 126. Light Kredit 127. Peso Pocket 128. Prima Loan
82 Prime Global Finance Corporation A199610344 129. PG Finance
83 Quark Financing Corp. CS20200000916 120. Madali Loan
84 Radiowealth Finance Company Inc. AS9600005A 131. Loan Application Portal (via RFC Website)
85 Right Choice Lending Corp. CS201612058 “132. myRCF 133. myRightChoice”
86 Royal Yohoo Lending Investors Corporations CS201906145 134. Happypera2
87 Rusco Lending Inc. CS201331984 (Radio Advertisement and Billboard/streamer used for marketing purposes only)
88 Scoreone Financing Corp CS201919995 135. E-Perash
89 Seamoney (Credit) Finance Phil Inc CS202005382 “136. Spaylater 137. Sloans”
90 Singularity Lending Inc 2021060015436-59 “138. Lpeso 139.Pesoplus”
91 Snapcash Lending, Inc. CS201804836 “140. Masayacash 141. Peso2you 142. CashniJuan 143. Peso2go 144. Jetpeso”
92 Sofi Lending Inc. CS201908275 145. www.finbro.ph
93 Streetcorner Lending Corp. Doing Business Under The Name And Style Of Akulaku CS201606603 “146. Akulaku “
94 Suki Financing Corporation CS201735266 www.sukifinancing.com (Facebook page, used for marketing purposes only)
95 Sumisho Motor Finance Corporation CS200917691 147. Sumisho
96 Sumulong Financing, Inc. Doing Business Under Fastpeso And Grabpeso; Gopeso CS201915712 “148. Gopeso 149. Grabpeso 150. Fastpeso”
97 SUPER-SPACE PH LENDING INC* 2021030008899-02 151. Pesohere 151. Pesokwento
98 Supreme Money Lending Corp CS202001119 152. www.suprememk.ph
99 Tala Financing Philippines Inc CS201710582 153. Tala
100 Temple Tech Finance Corp. CS201820732 154. Tendopay
101 Thrift Platinum Lending Corp.* 2020120004404-02 155. Moregold
102 Toyota Financial Services Philippines Corporation CS200251691 156. Toyota Financial Services Philippines Corporation website
103 Treasure Bowl Fintech Lending Corp. CS201916340 “157. Wow Pera 158. Zippeso”
104 Unistar Credit And Finance Corporation CS200528016 159 FundEasy Website
105 U-Peso Lending Investors Corp. CS201816691 160. PesoQ
106 Vamo Lending Inc. CS20200000915 161. Vamo
107 Vidalia Lending Corp. CS200813771 162. Vidalia App
108 Warm Cash Lending Corp. 2021030009095 163. Honey Loan
109 Wefund Lending Corp. CS201825672 164. Juanhand
110 Wing Of Integrity Lending Corp.* CS201916097 165. Bene 166. Easy Borrow
111 Xlkash Lending Corp. CS201917309 167. Xlkash Lending
112 Y Finance Inc. CS201800494 168. LoanChamp
113 Yinshan Lending Inc. CS201900108 169. Happycash
114 Yulon Finance Philippines Corporation CS201806119 170. Yulon Finance’s website (https://www.yulon-finance.com.ph/)
*with pending cases for resolution

Tips for Choosing the Right Online Lending Platform

To ensure safety and satisfaction, consider the following when selecting a lending app:

  • Verify SEC Registration: Check if the platform is registered with the SEC for legitimacy.
  • Compare Rates: Look for competitive interest rates and transparent fee structures.
  • Review Loan Terms: Read the fine print to understand repayment conditions and penalties.
  • Check User Feedback: Customer reviews can provide insights into the platform’s reputation and reliability.
  • Prioritize Data Security: Choose platforms with strong encryption and privacy policies.

Conclusion

Online lending platforms are transforming the way Filipinos access financial services, offering unparalleled convenience and inclusivity. However, this innovation comes with risks that require careful consideration. By prioritizing SEC-registered platforms and staying informed about best practices, borrowers and investors can harness the potential of fintech lending safely and effectively.

For a complete and regularly updated list of SEC-registered platforms, refer to the official SEC website or use their search tools to verify the status of any lending app.

Embrace the future of finance wisely—choose secure, transparent, and trustworthy online lending platforms in the Philippines!