Review: (2024) SEC Registered Loan Apps in the Philippines [New Update]

Within this piece, CashLoanPH will thoroughly examine the advantages of opting for an SEC registered loan app over alternative online lending sources. We will also provide guidance on verifying an online loan app’s SEC registration status and introduce you to some of the top-rated SEC registered online lending applications. Continue reading for further insights!

* You’ll Need: Top Legit Online Loans in The Philippines 2024



Popular - 0% first loan


  • First Loan Range (PHP): 1000 - 10000
  • Maximum Loan Amount (PHP): 25000
  • Loan Period (days): 62 - 365


Fast Approve - 0% first loan


  • First Loan Range (PHP): 500 - 20000
  • Maximum Loan Amount (PHP): 20000
  • Loan Period (days): 62 - 365

OLP Loan

Hot Offer - 0% first loan


  • First Loan Range (PHP): 1000 - 7000
  • Maximum Loan Amount (PHP): 20000
  • Loan Period (days): 62 - 365

Finbro PH

Hot - 0% first loan


  • First Loan Range (PHP): 1000 - 15000
  • Maximum Loan Amount (PHP): 50000
  • Loan Period (days): 62 - 365


Express Loan - 0% first loan


  • First Loan Range (PHP): 1000 - 10000
  • Maximum Loan Amount (PHP): 20000
  • Loan Period (days): 62 - 365

Overview of SEC Registered Loan Apps in the Philippines (2024)

Aspect Details
✅ How to Check ⭐ Search the List of SEC Registered Online Lending Companies for 2024
✅ Maximum Loan Amount ⭐ ₱1,000 – ₱50,000
✅ Loan Term ⭐ 1 – 12 months
✅ Borrower Age ⭐ 18 – 70 years old
✅ Interest Rate ⭐ 0% for the first loan
✅ Requirements ⭐ Valid ID cards only
✅ Benefits ⭐ Legitimacy
✅ Drawbacks ⭐ Limited loan amount
✅ Efficiency Rating ⭐ Good

In this article, we delve into the world of SEC registered loan apps for 2024, highlighting the key aspects you should consider when seeking online lending options in the Philippines. This includes loan amounts, terms, eligibility criteria, and efficiency ratings. Read on to make an informed financial choice.

What is an SEC Registered Loan App?

An SEC registered loan app is a mobile application that enables users to apply for loans online with the assurance of instant approval. Regulated by the Securities and Exchange Commission (SEC) of the Philippines, these apps comply with legal and consumer protection standards. They offer a secure and convenient way to access credit without the burden of paperwork or collateral.

Why Choose SEC Registered Online Loan Apps?

SEC registered loan apps are governed by the SEC, an authoritative body that ensures these apps adhere to regulations safeguarding borrowers’ rights. They must transparently disclose interest rates, fees, and penalties, in accordance with the Truth in Lending Act.

In contrast, unregistered loan apps operate without regulation and can impose exorbitant interest rates, hidden fees, and harsh penalties, often resorting to unethical practices. Opting for SEC registered apps is a safer and wiser choice, ensuring transparency and reliability.

Benefits of SEC Registered Loan Apps in the Philippines

  • Security and Legitimacy: SEC registration guarantees the security and legitimacy of the loan app.
  • Time-Saving: No need to visit physical branches or submit physical documents.
  • Lower Interest Rates and Fees: Compared to unregistered lenders.
  • No Collateral or Guarantors: Typically, only personal and financial information is required.
  • Avoiding Scams: Protection against fraudulent or malicious practices.
  • Improved Credit Score: Payments are reported to credit bureaus, enhancing credit history.
  • Customer Support: Dedicated and professional staff for assistance.

How to Check If Online Lending Apps Are Registered with SEC?

To ensure you’re dealing with a legitimate loan app, follow these steps:

  1. Visit the SEC website ( and navigate to the “List of Lending Companies” under the “Public Information” tab.
  2. Search for the app’s name or parent company in the list.
  3. If found, it’s registered with the SEC. Check the CA issuance date, expiration date, and contact details.
  4. If not found, avoid the app, as it might be operating illegally.

Interest Rate of SEC Registered Loan Apps in 2024

As per SEC Memorandum Circular No. 3, Series of 2022, the maximum interest rate for SEC registered loan apps is 6% per month (approximately 0.2% per day). Interest rates may vary based on loan amount, term, and borrower’s credit profile. Unregistered loan apps, however, can charge exorbitant rates and fees, making SEC registered apps the more cost-effective choice.

List of SEC Registered Online Lending Apps (2024)

List of SEC Registered Online Lending Apps

List of SEC Registered Loan App (2024) Online Lending Companies

No. Loan App Name Company Name SEC Number
1 EasyPeso Creditable Lending Corporation CS201817516
2 Cashola, Peso Plus Sunloan Lending Investors Corporation CS201900565
3 Savii New Cross Credit And Financing Gate Ph Inc. CS201628816
4 Finbro Sofi Lending Inc. CS201908275
5 Digido Digido Finance Corp. CS202003056
6 Happycash Yinshan Lending Inc. CS201800494
7 Cash-Express Cashxpress South East Asia Lending Inc. CS201951088
8 Vamo Vamo Lending Inc. CS201814908
9 Madaloan Ifun Lending Corp. 2021090025243-01
10 Valley loan, Lemon loan Flash Cash 101 Lending Corp. CS201915317
11 Pesocash Myloan Lending Investors Inc. CS201900197
12 Zippeso Treasure Bowl Fintech Lending Corp. CS201916340
13 Yulon Finance Yulon Finance Philippines Corporation CS201900108
14 Juanhand Wefund Lending Corp. CS201903509
15 Cashalo Paloo Financing, Inc. CS201800209
16 PesoQ U-Peso Lending Investors Corp. CS201816691
17 OKPeso Codeblock Lending Inc. CS201913681
18 Moneycat Moneycat Financing Inc. CS201953073
19 Acom Acom Consumer Finance Corporation CS201724897
20 Peso Redee Peso Redee Financing Co. Inc. CS201804564
21 Tala Tala Financing Philippines Inc. CS201710582
22 Kviku Kviku Lending Co. Inc. CS201918702
23 Pinoy Peso Inclusive Credit Lending Inc. CS201909928

The table presents a comprehensive list of SEC registered loan application-based online lending companies in the year 2024. These companies are authorized and regulated by the Securities and Exchange Commission (SEC) to provide financial services to the public. Each entry includes the company name, the loan app name, and the unique SEC registration number, providing transparency and accountability within the online lending industry.

#1. Digido – SEC Registered Loan App for 2024

Digido is an SEC registered loan app owned by Digido Finance Corp., offering fast, convenient, and affordable online loans to Filipinos. With loan amounts ranging from ₱1,000 to ₱25,000, Digido is a reputable choice. The app is praised for its high approval rate, 0% interest for the first 7 days, and quick disbursement. Requirements are minimal, making Digido accessible to many.

#2. Kviku – SEC Registered Online Lending Company

Kviku, an SEC registered online lending company, provides fast cash loans for various purposes. Borrowers can access loans from ₱1,000 to ₱25,000. Kviku stands out with its competitive 0.16% daily interest rate. It offers a straightforward application process, with eligibility criteria that are easy to meet.

#3. Cash-Express – SEC Registered Online Loan App for 2024

Cash-Express, owned by Cash-Express Philippines Financing Inc., is an SEC registered online loan app. It offers loans up to ₱10,000 with 0% interest for the first 7 days. This app is recognized for its transparent interest rates and high approval rate. Borrowers need only a valid ID and meet basic eligibility criteria.

#4. Finbro – SEC Registered Lending App for 2024

Finbro, owned by Sofi Lending Inc., is an SEC registered lending app offering quick loans for unexpected expenses. Borrowers can access loans ranging from ₱1,000 to ₱50,000, with interest rates of 2.5% to 4.6% per month. This app stands out for its speedy approval process, flexible loan terms, and minimal requirements.

#5. MoneyCat – SEC Registered Online Lending App

MoneyCat is an SEC registered online lending app offering convenient cash loans to employed Filipinos aged 22 and above. With the first loan offering up to ₱4,500 interest-free, and subsequent loans at a competitive interest rate of 11.9% per month, MoneyCat appeals to those seeking financial support. It maintains high standards in security and legitimacy.

Comparison of SEC Registered Loan Apps in 2024

Digido Loans App: A Legitimate App Offering Low Rates to Filipinos

Digido Loan App: A Legitimate App Offering Low Rates to Filipinos

Here’s a comparative analysis of key SEC registered loan apps in the Philippines for 2024:

Loan App Digido Loan
Apply Now
Kviku Loan
Apply Now
Finbro Loan
Apply Now
General assessment Good Good Good
Approval time 15 minutes 15 minutes 15 minutes
Term 7 – 180 days up to 180 days 1 – 12 months
Amount ₱1,000 – ₱25,000 ₱1,000 – ₱25,000 ₱1,000 – ₱50,000
Age 21 – 70 years old 20 – 55 years old 20 – 70 years old
Interest rate up to 1.5%/day 0.16%/day 2.5% – 4.6%/month

FAQs – SEC Registered Loan App 2024 Philippines

FAQs - SEC Registered Loan App Philippines

Why Are Loan Apps Registered with SEC?

Loan apps register with the SEC to ensure legal compliance and protect both lenders and borrowers. SEC registration signifies transparency, legality, and accountability.

Does SEC Registration Expire?

SEC registration does not expire but can be revoked or suspended for various reasons. Regularly verifying the SEC registration status is essential to avoid potential risks.

What If Online Loan Apps Are Not Registered with SEC?

Unregistered online loan apps operate illegally and pose risks to borrowers. The SEC has the authority to take legal action against them, making it prudent to opt for SEC registered online lending apps.


Choosing an SEC registered loan app for your financial needs in the Philippines in 2024 is a secure and reliable decision. Among the notable options, Finbro emerges as a top-rated choice, offering a range of benefits such as high approval rates, low interest rates, and minimal requirements. Making an informed choice is vital for transparency, legality, and financial security.

We trust you have found this article insightful and helpful. We invite you to rate and share your comments below. Thank you for engaging with us, and we appreciate your readership.

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