Top Legit Online Loans in the Philippines
UPDATE 11/2026
- ⏱️ Fast review: Often decided within minutes
- 🚫 No card or SMS fee: Verification costs nothing
- 🎂 Age: 18+
- 🧠 Lower scores can apply: Your request is still reviewed
- ⚡ Short form: A few minutes to finish
- 🎂 Age: 18–65
- 🌐 Several partners: One request, more than one lender
- ⏰ Same-day cash: Some partners pay out fast
- 🎂 Age: 18+
- 📱 E-wallet friendly: Payout to GCash or bank
- 💾 Paperless: Nothing to print or mail
- 🎂 Age: 18–70
- ✅ SEC-recorded: Found on the public list
- ⚡ Quick review: Decisions often in minutes
- 🎂 Age: 21–60
- 💰 Small starts: Borrow from just ₱500
- ✅ SEC-recorded: Found on the public list
- 🎂 Age: 22–60
Pesoloan Company Snapshot
Before you borrow from any app, check who runs it. Here is what the public records and the app’s own store listing show.
| Operating company | Masaganang Buhay Finance Philippines Corporation |
| SEC registration no. | CS201824008 |
| Certificate of Authority no. | 1185 |
| App on the SEC list | “Pesoloan” (recorded online lending platform) |
| Loan range (store listing) | ₱1,000 to ₱100,000 |
| Loan period (store listing) | 91 to 180 days |
| Maximum rate (store listing) | 31% per year |
| Eligibility (store listing) | Filipino citizens aged 18 to 60 |
| Support email | support@pesoloan.ph |
The SEC’s list is the authority for registration, and the store listing is written by the developer, so treat its figures as the developer’s statements. Our article on whether Pesoloan is SEC registered shows how we checked each record, and Pesoloan under Masaganang Buhay explains who operates the app. A registered lender can still have terms or collection practices you dislike, so read whether Pesoloan is legit and the Pesoloan interest rate before you decide.
Compare Loan Amounts at a Glance
| Lender | Loan amount | Best for |
|---|---|---|
| Letocredit | ₱1,000 – ₱30,000 | Quick decisions on everyday needs |
| Finpug | ₱1,000 – ₱20,000 | Smaller, short-term borrowing |
| Creditify | ₱5,000 – ₱25,000 | Comparing several partner offers at once |
| CashSpace | ₱1,000 – ₱25,000 | Payout to e-wallet or bank |
| Finbro | ₱1,000 – ₱50,000 | Borrowers who need a higher ceiling |
| Moneycat | ₱500 – ₱20,000 | Very small first loans |
| Pesoloan app (store listing) | ₱1,000 – ₱100,000 | Larger installment loans, 91 to 180 days |
Pesoloan Interest Rate Calculator
This calculator tool estimates the interest and total repayment on a typical online loan. It is a general calculator for online loans, not for any single lender’s rate, so use the figures from your disclosure statement for a real loan. To see the rate the app publishes, read the Pesoloan interest rate.
Formula used: interest = amount × monthly rate × number of months. Total repayment = amount + interest. Monthly payment = total repayment ÷ months. The default result above is for ₱10,000 at 3% per month for 3 months.
| Amount | Rate | Term | Interest | Total repayment | Monthly payment |
|---|---|---|---|---|---|
| ₱5,000 | 3% per month | 3 months | ₱450.00 | ₱5,450.00 | ₱1,816.67 |
| ₱10,000 | 3% per month | 3 months | ₱900.00 | ₱10,900.00 | ₱3,633.33 |
| ₱20,000 | 3% per month | 3 months | ₱1,800.00 | ₱21,800.00 | ₱7,266.67 |
Pesoloan Loan Basics: Get Approved, Pay and Contact
Who can apply. The store listing says applicants must be Filipino citizens aged 18 to 60. You also need a valid ID, a mobile number and a bank or e-wallet account. See Pesoloan requirements for the full list.
How to get approved. Install the app from the official store listing, read the privacy policy, fill in the forms with details that match your ID, choose an amount and review the disclosure statement before you accept. Our guide on how to get approved in Pesoloan walks through each step, and Pesoloan approval time explains what to expect. The first loan amount is often lower than the maximum.
How to pay. Repay through the option shown inside the app, and keep your receipt. See how to pay Pesoloan using GCash.
How to reach the company. The company publishes a support email, hotline numbers and listed hours of 7:30 am to 6:00 pm. See the Pesoloan contact number page, or learn how to delete a Pesoloan account.
Pesoloan Reviews and Guides
Every independent article we have published on the app, grouped by what you want to know. All loan app reviews →
Is Pesoloan legit and SEC registered?
- Is Pesoloan SEC registered or not in the Philippines? The SEC records, checked step by step.
- Is Pesoloan Quick Cash Loan legit? A scorecard of documented facts and reports.
- Pesoloan under Masaganang Buhay Who operates the app.
- Does Pesoloan report to the CIC? Credit records explained.
- Is Pesoloan a good lending app? Pros and cons.
Pesoloan cost and loan amount
- Pesoloan interest rate What the published figures mean.
- Pesoloan first loan amount What a new borrower may expect.
- Pesoloan overdue payment penalty What happens if you are late.
- Does Pesoloan increase credit limit? How re-loans work.
- Does Pesoloan offer multiple loans? The risks of stacking loans.
Apply, pay and contact Pesoloan
- How to get approved in Pesoloan Step-by-step application.
- Pesoloan approval time How long it takes.
- How to pay Pesoloan using GCash Safe repayment steps.
- How to delete Pesoloan account Closing your account.
- Pesoloan contact number Channels, hours and fake accounts.
Collection, privacy and borrower complaints
- Pesoloan harassment reviews What borrowers report and what is documented.
- Pesoloan issue Problems users mention and what to do.
- Pesoloan demand letter Real notice or pressure tactic?
- Does Pesoloan home visit borrowers? What to know.
- Does Pesoloan call your contacts? Privacy facts.
- Does Pesoloan post on Facebook? What the rules say.
Pesoloan FAQs
Is Pesoloan SEC registered or not?
Pesoloan is listed in the SEC's recorded online lending platforms under Masaganang Buhay Finance Philippines Corporation (CS201824008, Certificate of Authority No. 1185). Warnings about similar names concern different companies. See the full check.
Is Pesoloan Quick Cash Loan legit in the Philippines?
It is recorded with the SEC, so it is not an unregistered app. Whether it suits you depends on its terms, how collection is handled and how your data is used. We score each point in our legit review.
What is the Pesoloan interest rate?
The Google Play listing states a maximum of 31% per year, and the company's loan-process pages state a maximum of 15% per month. Read the disclosure statement in the app. See how the figures compare.
What is the Pesoloan first loan amount?
The stated range is ₱1,000 to ₱100,000, but the company does not publish a first-loan figure. New borrowers are often offered less than the maximum. See the first loan amount.
How long does Pesoloan approval take?
The listing says applicants can be approved in seconds, and the company's page says funds can arrive within one hour. Actual timing varies. See approval time.
How do I pay Pesoloan using GCash?
Use the repayment option and reference shown in the app, pay the exact amount and keep the receipt. See the GCash payment guide.
What is the Pesoloan contact number, and is support open 24 hours?
The company lists 0917 626 0130 and 0917 620 6116 and support@pesoloan.ph. We found no official 24-hour claim; its page lists 7:30 am to 6:00 pm. See contact details.
Are there Pesoloan harassment reviews?
Some borrowers have publicly complained about collection calls and messages. These are individual allegations, and we did not find a published SEC order naming the company. See what borrowers report.
Does Pesoloan do home visits or call your contacts?
The company has not published a policy on either, and we found no confirmed report of an official visit. SEC rules prohibit contacting people in your list other than named guarantors or co-makers. See home visits and contacts.
What is the Pesoloan overdue payment penalty?
The late-fee schedule is in your disclosure statement. SEC rules cap penalties on covered loans at 5% per month of the outstanding amount due. See the penalty guide.
Pesoloan Editorial Team. We research online lending in the Philippines and check company and registration details against public SEC records before publishing. Our articles separate documented facts from user reports and list their sources. Learn more on our author page and in our editorial policy.