Pesoloan Editorial Team

Published 01/11/2026

The Pesoloan Editorial Team writes and reviews the articles on Pesoloan (pesoloan.app), an independent information and comparison website about online lending in the Philippines. This page explains who we write for, what we cover, how we work and how you can hold us to our standards.

What the team does

Our work is research and explanation. We read the rules that govern lending and financing companies, we check public registers, we study the published terms of lending apps and we translate what we find into clear English for ordinary borrowers. We do not lend money, we do not process applications and we do not speak for any lender.

Our focus is narrow on purpose: online lending apps used by Filipino borrowers, and the questions people ask about them. That focus lets us go deep on a small number of subjects instead of writing thinly about many.

Topics we cover

• Registration and legitimacy. Whether a company and its app appear in the Securities and Exchange Commission (SEC) lists of financing companies and recorded online lending platforms, what the lists mean and how to check them yourself.
• Cost. What interest rates, fees and penalties are disclosed, how to calculate total repayment and what the SEC's ceilings say for covered loans.
• Applying and repaying. Requirements, approval, disbursement, repayment channels, account closure and how to contact a lender.
• Collection and privacy. What the rules prohibit, what borrowers publicly report, how to keep evidence and where to report harassment or misuse of personal data.
• Scams and lookalikes. How to recognize fake apps, copycat names and requests for fees or one-time passwords.
• Comparison. How to compare lenders by total cost, term, support and conduct.

You can browse our work on the Reviews and Loan Safety Guides pages.

How we research

We follow the process set out in our editorial policy. In summary:

1. We begin with primary sources: SEC lists, circulars and advisories, National Privacy Commission guidance, Credit Information Corporation pages, and the lender's own store listings and published terms.
2. We cross-check the app name, developer, company name and SEC registration number, and we read the date on each list.
3. We look for lookalike names before we attribute any warning or review to a company.
4. We search public records, news reports and freedom-of-information requests, and we treat individual user posts as reports, not facts.
5. We write the answer first, show our working, label what is documented and what is reported and list the sources we checked.
6. We review the article for accuracy, tone and links before it is published, and we review it again when rules or lender terms change.

Our standards

• Be accurate. We would rather say "not published" than guess.
• Be fair. We describe both what a lender publishes and what borrowers report, and we never present an allegation as a finding.
• Be clear. We write in plain English and explain every technical term.
• Be careful with people. Many readers are stressed. We avoid fear, and we focus on practical steps.
• Be independent. No lender edits our articles or pays to change them. Our affiliate disclosure explains how the website may earn money without affecting what we write.
• Correct mistakes. If we get something wrong, we fix it.

Experience and qualifications

We want to be straightforward about what the team is and is not. The team is made up of editors and researchers who write about consumer finance and online lending. We are not lawyers, financial advisers or regulators, and we do not offer personal advice. Our authority comes from method rather than titles: we use primary sources, we show them to you and we invite you to check our work. When a question needs a professional, we say so and point to the right place, such as the SEC, the National Privacy Commission, the police or the Public Attorney's Office.

What readers can expect from an article

Every article starts with a short answer. It then explains the background, lists what is documented, what the company says and what borrowers report, covers the practical steps and ends with frequently asked questions and the sources we checked. Where a topic is sensitive, such as harassment or overdue payments, the title is a question, and the article keeps documented facts and allegations clearly apart.

Our relationship with lenders

We are not affiliated with the Pesoloan app or with Masaganang Buhay Finance Philippines Corporation, and we are not affiliated with any lender we mention. Lenders do not review our articles before they are published. Some links to third-party lenders may be tracked, and we may receive compensation from some third parties, which we explain on our affiliate disclosure page. This does not change our assessments.

Corrections and feedback

We welcome corrections. If you believe that a statement is wrong or out of date, email admin@pesoloan.app with the page, the statement and, if you can, a link to a public source. We check, correct and, where necessary, mark the change. Companies we mention may also write to us if they believe a statement is inaccurate. We will correct what is wrong, but we will not remove accurate, documented information.

Safety first

If you are reading this because a lender or a collector is pressuring you, please remember a few points. Non-payment of a loan alone is not a crime, and the Constitution says no person shall be imprisoned for debt. SEC rules prohibit threats, shaming and contacting people in your contact list other than your named guarantors or co-makers. Save screenshots, call logs and receipts, and report abuse to the SEC, the National Privacy Commission or the police. Our guide on debt collection rules and your rights explains each step. If you want to check whether a lender is recorded, see how to check if a lending app is SEC registered.

Contact the team

You can reach us at admin@pesoloan.app or through our contact page. You can learn more about the website in About Us, and about how we handle information in our Privacy Policy.

Why we do this

Most of the people who read our pages are not looking for a bargain. They are trying to avoid a mistake. A loan that looks small on a phone screen can grow quickly if the terms are not understood, and a lender that is registered can still use practices that borrowers find stressful. We believe that clear, honest, well-sourced information helps people avoid the worst outcomes and make calm decisions. That belief shapes every article the Pesoloan Editorial Team publishes, and it is the standard against which we ask you to judge our work.