Is this loan app legit?

Check if it’s registered with the SEC before you borrow.

What we track

153

Registered apps checked

Flagged in SEC advisories

Aug 2

Last cross-check

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Visits

Philippine lending market

Source: BSP (2025)

₱6.3T

non-bank lending assets

1 in 4

adults have a loan

10%

borrow from informal lenders

Independent. Not a lender. Data based on the SEC’s List of Recorded Online Lending Platforms. Market figures are published by the Bangko Sentral ng Pilipinas (2025) — tap a figure for the source.

What makes a lending app legal

A legal online lender in the Philippines needs all three. If any one is missing, be careful.

SEC Registration Number

Proof the company legally exists as a business in the Philippines. Every legitimate lender has one.

Certificate of Authority

The separate permit that lets a company actually lend money. Registration alone is not enough.

OLP recording

The specific app is recorded with the SEC as an online lending platform of that company.

Legit loan apps listEvery app matched to an SEC-registered company.Browse all registered appsThe full list, searchable and filterable.Apps flagged by SEC advisoriesReported to be operating without authority.Loan cost calculatorSee the real amount you repay, fees included.

Independent. Not a lender.

Data is based on the SEC’s List of Recorded Online Lending Platforms and public SEC advisories. We are not the SEC and we do not approve, arrange, or fund loans.