Pesoloan Harassment Reviews: What Do Borrowers Report?

By Pesoloan Editorial Team · Published 01/11/2026

Quick Answer

Some borrowers have publicly complained about collection calls and messages linked to Pesoloan, including on government FOI portals and social media. These are individual allegations, not findings by a regulator, and we did not find a published SEC order against Masaganang Buhay Finance Philippines Corporation naming Pesoloan. SEC rules prohibit threats, shaming and contacting people in your contact list, so if it happens to you, document it and report it.

Searching for "Pesoloan harassment" returns a mix of borrower posts, forum threads, summaries and warnings about similarly named apps. It is hard to tell which statements are documented and which are rumor. This article takes the question seriously and separates the four things readers usually mix together: what the rules prohibit, what borrowers have publicly reported, what the company says and what we could not find.

What the SEC Rules Prohibit

SEC Memorandum Circular No. 18, Series of 2019, in force since 8 September 2019, allows financing and lending companies to use reasonable and legal means to collect what is owed, but it prohibits unfair collection practices. These include:

threats of violence or other criminal means to harm a person, their reputation or property,
obscene, insulting or profane language,
disclosing or publicizing a borrower's debt to shame them,
false representations, such as pretending to be a lawyer or an official,
contacting persons in your contact list other than those you named as guarantors or co-makers, even if you gave consent.

The Financial Products and Services Consumer Protection Act (Republic Act No. 11765) and its SEC implementing rules classify similar acts as abusive debt recovery. The SEC has applied these rules to other lenders: in 2026 it sanctioned another lender after a borrower complained of shaming messages and threats to contact an employer.

What Borrowers Have Publicly Reported

We reviewed publicly accessible records and posts in which borrowers name Pesoloan. Please read them as what they are, personal accounts that we cannot verify:

FOI requests to the National Privacy Commission (NPC). In October 2023, a requester asked the NPC to act on Pesoloan for alleged harassment, describing threats involving a relative's photo. In November 2023, another requester asked the NPC to investigate three apps, including Pesoloan, after a contact was allegedly called by a collection agent. The NPC's replies pointed requesters to its complaint procedures and to the SEC for unfair collection.
Other FOI submissions. Requests to the SEC (January 2024) and the National Telecommunications Commission (August 2023) also named Pesoloan among other apps, with similar complaints.
News coverage. An Inquirer Technology report on NPC complaints against lending apps noted that commenters on an NPC post named several apps, including Pesoloan.
Forum and social posts. Borrowers on Reddit communities such as r/ola_harassment and r/utangPH, and on Facebook pages, have described frequent reminder calls, messages after a short delay in payment and concerns about contact lists. We did not link to individual threads because their content changes and they cannot be verified.

Several of these records name more than one lender, so they cannot be used to judge Pesoloan alone. A FOI submission records that someone made a complaint. It does not record that the complaint was proven.

What the Company Says

Pesoloan's store listings describe a "friendlier service" and easily accessible customer support. The Google Play data-safety section, as declared by the developer, states that no data is shared with third parties. The company also publishes a support email and hotline for concerns. We did not find a separate public statement addressing collection complaints.

What We Did Not Find

A published SEC cease-and-desist order or penalty naming Masaganang Buhay Finance Philippines Corporation or Pesoloan, in the sources we checked at the time of writing.
On the SEC's list of recorded online lending platforms, the Pesoloan entry carries no asterisk, which the SEC uses to mark companies with pending cases.
A published NPC decision against the company.

This is not proof that every borrower's experience was fair. It means the complaints we found have not, in public records we could access, led to a published regulatory finding. Regulators can act without publicizing every case, and borrowers' experiences can differ.

Do Not Confuse Pesoloan With Lookalikes

The SEC has issued orders against companies with similar names. Pesoloan Mart, listed under Microdot Lending Corp., was among the platforms covered by a cease-and-desist order reported in October 2025 for unfair debt collection and undisclosed platforms. Microdot is a different company from Masaganang Buhay. A complaint about "Pesoloan Mart" is not a complaint about Pesoloan. See our article on whether Pesoloan is SEC registered for the other lookalike names.

What Reminders Are Normal and What Is Not

A reminder that a payment is due is normal. These are not:

repeated messages meant to frighten you,
messages to your family, friends or employer about your debt,
threats of arrest, since no one can be imprisoned for debt alone,
posting your photo or details publicly.

Our article on the Pesoloan demand letter explains how to tell a genuine formal notice from a pressure tactic.

How to Protect Yourself

Read permissions carefully. Think twice about granting contact access. See does Pesoloan call your contacts.
Pay on time. Late payments are what trigger collection activity. Our page on the Pesoloan overdue payment penalty covers what you can do if you are late.
Keep records. Screenshot messages, save call logs and note dates and numbers.
Use official channels. Respond to the company only through the channels in the app. See the Pesoloan contact number page.

How to Report Harassment

Collect evidence. Screenshots, call logs, recordings where lawful, dates and times.
Write to the lender. Email support@pesoloan.ph describing the problem, and ask it to stop.
Report unfair collection to the SEC. The SEC supervises lending and financing companies and has sanctioned lenders under MC 18.
Report data privacy violations to the NPC. This covers contacting people in your list or posting your information.
Report threats to the police. The PNP Anti-Cybercrime Group handles online threats.

For a full guide, read debt collection rules and your rights as a borrower. If you want other recorded options to compare, see our guide to safer ways to borrow online.

Next Steps

For a scorecard that weighs registration against conduct, see whether Pesoloan is legit. If you want to weigh other recorded lenders, use our online loan comparison before you decide.

FAQs

Does Pesoloan harass borrowers?

Some borrowers have publicly alleged harassment, but these are individual claims we cannot verify. We did not find a published regulator finding against the company. If you experience harassment, document it and report it.

Can Pesoloan contact my family or friends?

SEC rules prohibit lenders from contacting people in your contact list other than the guarantors or co-makers you named, even if you consented.

Is there an SEC order against Pesoloan?

We did not find one in the sources we checked at the time of writing. An SEC order against "Pesoloan Mart" concerns a different company, Microdot Lending Corp.

Where can I file a complaint?

Unfair collection can be reported to the SEC, data privacy violations to the National Privacy Commission and threats to the police. Keep all evidence.

Sources We Checked

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.