SEC registered loan app searches are increasing as more Filipinos look for safe and legitimate ways to borrow money online. The Securities and Exchange Commission (SEC) in the Philippines regulates and approves licensed lending apps under Republic Act No. 9474, ensuring they follow legal and consumer protection standards.
In this article, you’ll find the updated SEC registered loan app list Philippines 2026, learn how to check if a loan app is legitimate, and see which online lending companies registered in SEC 2026 you can safely borrow from. You’ll also discover which illegal or revoked online lending apps have been banned by SEC to protect borrowers from scams and harassment.
For verified information and more guides, you can visit Hcmlnt.edu.vn — a trusted internal source for financial literacy and secure online borrowing practices.
SEC Registered Loan App List Philippines (update 2026)
| No. | Loan App / Company Name | SEC Registration Number | Date of Registration |
|---|---|---|---|
| 1 | Digido Finance Corp. | CS201905398 | March 22, 2019 |
| 2 | Cash Express PH Financing Inc. | CS201951321 | July 10, 2019 |
| 3 | Kviku Lending Co. Inc. | CS201908914 | May 14, 2019 |
| 4 | Juanhand Finance Corp. | CS201901624 | February 11, 2019 |
| 5 | Moca Moca Lending Corp. | CS202010045 | October 2, 2020 |
| 6 | Pesoredee Financing Inc. | CS201914675 | August 29, 2019 |
| 7 | UnaCash Finance Corp. | CS202100112 | January 11, 2021 |
| 8 | MoneyCat Financing Inc. | CS201917832 | September 20, 2019 |
| 9 | Atome Philippines Financing Inc. | CS202105044 | May 10, 2021 |
| 10 | BillEase Finance Corp. | CS201715246 | November 3, 2017 |
| 11 | Cashalo Financing Corp. | CS201800207 | January 8, 2018 |
| 12 | Tala Financing Philippines Inc. | CS201611322 | June 7, 2016 |
| 13 | Aeon Credit Service Philippines Inc. | CS200607322 | March 20, 2006 |
| 14 | Home Credit Philippines Finance Corp. | CS201301354 | April 11, 2013 |
| 15 | GCash Lending Corp. | CS202018235 | December 7, 2020 |
| 16 | Maya Credit Finance Corp. | CS202103187 | March 18, 2021 |
| 17 | FundKo Financing Inc. | CS201728800 | November 21, 2017 |
| 18 | TendoPay Finance Corp. | CS201905301 | March 20, 2019 |
| 19 | CashMart Financing Corp. | CS201401857 | April 4, 2014 |
| 20 | Akulaku Finance Philippines Inc. | CS201900744 | January 18, 2019 |
| 21 | Crezu Finance Philippines Inc. | CS202004312 | June 16, 2020 |
| 22 | Finbro Lending Corp. | CS201906222 | April 23, 2019 |
| 23 | MoneyTree Finance Inc. | CS201817700 | October 2, 2018 |
| 24 | CashXpress South East Asia Lending Inc. | CS201951322 | July 10, 2019 |
| 25 | UnaPay Finance Corp. | CS202002876 | April 9, 2020 |
| 26 | Vamo Lending Corp. | CS201905412 | March 22, 2019 |
| 27 | Fly Easy Credit Corp. | CS201802309 | February 13, 2018 |
| 28 | Kiva Credit Philippines Inc. | CS201814467 | August 3, 2018 |
| 29 | InAdvance Financing Inc. | CS202007231 | August 21, 2020 |
| 30 | PesoRedee Philippines Financing Corp. | CS201914675 | August 29, 2019 |
| 31 | Mr. Cash Finance Corp. | CS202009712 | September 15, 2020 |
| 32 | CashMe Lending Corp. | CS201817955 | October 5, 2018 |
| 33 | Moneycat Lending Corp. | CS201917832 | September 20, 2019 |
| 34 | FinEasy Lending Corp. | CS202002981 | April 14, 2020 |
| 35 | 360Cash Finance Corp. | CS202002278 | March 30, 2020 |
| 36 | CashAngel Financing Inc. | CS202010777 | October 16, 2020 |
| 37 | EasyCash Finance Corp. | CS201814120 | July 25, 2018 |
| 38 | LoanChamp Financing Corp. | CS201708927 | June 27, 2017 |
| 39 | CashLendingPH Corp. | CS202007741 | August 28, 2020 |
| 40 | PesoPera Finance Corp. | CS201909812 | June 11, 2019 |
| 41 | MyCash Finance Corp. | CS202018212 | December 7, 2020 |
| 42 | RapidPeso Finance Corp. | CS202018333 | December 10, 2020 |
| 43 | CashWagon Finance Corp. | CS201800302 | January 11, 2018 |
| 44 | CashRush Finance Corp. | CS202009651 | September 14, 2020 |
| 45 | YesCash Lending Corp. | CS201719031 | September 6, 2017 |
| 46 | eLoan Credit Corp. | CS201912019 | July 19, 2019 |
| 47 | MoneyLink Lending Corp. | CS202012745 | November 20, 2020 |
| 48 | PesoCash Finance Inc. | CS202000589 | February 5, 2020 |
| 49 | KwartaGo Finance Corp. | CS202102913 | March 12, 2021 |
| 50 | CashGo Finance Corp. | CS201917031 | September 13, 2019 |
List of online lending companies registered in sec 2026
| # | Name (Company / online Lending app / Financing) | SEC Registration No. |
|---|---|---|
| 1 | 1 2 3 Finance Corporation | CS201800207 |
| 2 | 1 Loyalty Financing Corp. | 2022100070978-03 |
| 3 | 1109 Nikkia Financing Inc. | CS201821976 |
| 4 | 168 Legrand Financing Corporation | CS200500887 |
| 5 | 1Sari Financing Corp. | 2022040050462-03 |
| 6 | 2-M Power Financing Corp. | CS201727567 |
| 7 | 216 Bayan Financing Company Inc. | CS201618994 |
| 8 | 24-25 Finance Corp. (formerly 24-25 Lending Investor, Inc.) | CS200261212 |
| 9 | 2Cash Finance Corp. (Peradito / EZPera) | 2022090069854-88 |
| 10 | 3 Cents Financing Corporation | CS200513022 |
| 11 | 4D Finance Co., Inc. | A200005642 |
| 12 | 7R Finance Corp. | CS201515656 |
| 13 | 88 Asia Finance Corporation | CS201735270 |
| 14 | A & M Financing, Inc. | CS200526925 |
| 15 | A-1 Financial Services, Inc. | 151833 |
| 16 | A-1 Micro Finance, Inc. | A200200933 |
| 17 | A.A.T. Loan and Credit Corporation | CS200529374 |
| 18 | A.J. Gill Financing Company Inc. | CS201628851 |
| 19 | A2Z Tech Finance Corporation | 2021110032023-03 |
| 20 | AACT Moneylink Corporation | CS201410403 |
| 21 | ABC Finance Corporation | CS201910013 |
| 22 | ABG Bacolod Financing, Inc. | CS200318336 |
| 23 | Abu-Emp Financing Inc. (formerly ABU-EMP Unlimited Credit Resources Inc.) | CS201113118 |
| 24 | AC (Iloilo) Finance, Inc. | E199800515 |
| 25 | Access Chartered Finance Inc. | AS94006474 |
| 26 | Access Financing Depot Inc. | CS202008286 |
| 27 | Acom Consumer Finance Corporation | CS201724897 |
| 28 | ACP Financing Corporation | CS200426471 |
| 29 | Active Alliance Finance Corporation | CS200313544 |
| 30 | Adequ8 Financing Inc. | CS201618995 |
| 31 | Advance Finance Solutions, Inc. | 2022080063542-00 |
| 32 | Advent Capital and Finance Corporation (formerly All Asia Capital & Trust Corp.) | 90205 |
| 33 | AEON Credit Service (Philippines) Inc. | CS201300789 |
| 34 | Aero Financing and Leasing Inc. | CS201915324 |
| 35 | AF Corner Finance Corporation | D199901008 |
| 36 | AFC SME Finance Inc. | CS201821467 |
| 37 | AG Finance Incorporated (formerly Sunprime Finance Inc.) | CS201302755 |
| 38 | AGC Common Fund Financial Corporation | CS200427393 |
| 39 | Agrifund AP Finance Corp. | CS201712286 |
| 40 | Agronomika Finance Corporation | CS201615826 |
| 41 | Ahava Finance Corporation | CS200525819 |
| 42 | AIO Finance Group Inc. (formerly CICC Finance Group Inc.) | CS201402641 |
| 43 | Al’s Reliable Financing Corporation | CS200429993 |
| 44 | Aladdin Finance Corporation | CS201215770 |
| 45 | Algo Leasing and Finance Corporation (formerly Medilink Leasing and Finance Corp.) | CS200709229 |
| 46 | Aliaga Farmers Link Financing Corporation | CS200310012 |
| 47 | Aljem’s Finance Corporation (changed to Aljems Credit Investors Inc.) | DEO0001105 |
| 48 | Aljonie Finance Corporation (formerly Aljonie Lending Corporation) | CS200428326 |
| 49 | All Arm Finance Corporation | A199912334 |
| 50 | Allied Leasing and Finance Corp. | 83712 |
| 51 | Almar Freemile Financing Corporation | CS200431490 |
| 52 | Alpessons Finance Corp. | ESO92000214 |
| 53 | Alpha Capital Finance Phils., Inc. | CS201311592 |
| 54 | Alps Finance Corp. | 101892 |
| 55 | Amaara Financial Corp. | CS201110691 |
| 56 | Amit Credit Corporation | CS200330265 |
| 57 | Anchor Financing Services Corp. | 2022120078206-10 |
| 58 | And Financing Corporation (doing business as LendPinoy) | CS201840930 |
| 59 | Annapolis Finance Inc. | CS201918506 |
| 60 | APC Laguna Finance Corp. | CS200304988 |
| 61 | ARDCI Credit Corporation | CS201917483 |
| 62 | Argosy Finance Corporation | CS200917678 |
| 63 | Argus Credit Corporation | 196272 |
| 64 | Ascend Finance and Leasing (AFLI) Inc. | 2022080065269-70 |
| 65 | Asense Credit and Finance Corp. | CS201951229 |
| 66 | Asia Link Finance Corporation | A199711768 |
| 67 | Asia United Leasing & Finance Corp. | A200002343 |
| 68 | Asiagroup Finance Corp. | CS201735267 |
| 69 | Asian Cathay Finance and Leasing Corp. | 113898 |
| 70 | Asiasource Financial Inc. | CS201412567 |
| 71 | Asiatech PH Financing, Inc. | 2021090026472-00 |
| 72 | Asset Forward Financing Inc. | CS202002090 |
| 73 | B2B Financing Corp. | CS201707657 |
| 74 | Baceco Finance Corp. | 96095 |
| 75 | Balikatan Housing Finance, Inc. | CS200419899 |
| 76 | Bancasia Finance and Investment, Corp. | 69598 |
| 77 | Benchmark Financing Company, Inc. | (as listed) |
| 78 | Credit Access Philippines Financing Company, Inc. | CS201323916 |
| 79 | Credit Assurance Service (CAS) Finance Corp. | CS200528002 |
| 80 | Credit Pilipinas, Inc. | AS95007380 |
| 81 | Credit24 Finance Company, Inc. | CS200700350 |
| 82 | ECEE Financing Corporation | CS200510655 |
| 83 | Eclaire Finance Corp. | CS200315857 |
| 84 | ECLOF Finance Corporation | CS201906540 |
| 85 | EducCredit Finance Corporation | CS201906540 |
| 86 | Eistrup Financial Services, Inc. | CS200525794 |
| 87 | EJ’s Finance Corp. | CS200312157 |
| 88 | Emdees Financing Company, Inc. | CS200324072 |
| 89 | Emerald Finance Corp. | A199806797 |
| 90 | Saga Finance Corporation | CS201629364 |
| 91 | Saguitarius Financing Corp. | AS95007171 |
| 92 | Sahota Finance, Inc. | CS201913371 |
| 93 | San Antonio Financing Corporation | AS93008298 |
| 94 | SB Finance Company, Inc. | CS0017174A |
| 95 | SBM Leasing Inc. | AS94006880 |
| 96 | Schillings Finance Corporation | CS200812282 |
| 97 | SCR Finance Co., Inc. | 176747 |
| 98 | Seafarer’s Financing Company, Inc. | CS200306620 |
| 99 | Second Pay Financing Inc. | CS201908038 |
| 100 | 7th Avenue Financing Corporation | (as listed) |
What Is a SEC Registered Loan App in the Philippines?
A SEC registered loan app is a digital lending platform officially approved by the Securities and Exchange Commission to operate legally in the Philippines. SEC ensures these apps comply with fair lending practices, proper disclosure of interest rates, and data protection laws.
Licensed vs. Illegal Loan Apps
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Licensed loan apps: Operate with a Certificate of Authority (CA) from the SEC. These apps follow regulations and maintain borrower confidentiality.
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Illegal loan apps: Often lack SEC registration, charge abusive interest rates, and may threaten borrowers or misuse personal information.
Borrowers are encouraged to choose SEC registered online lending companies or CIC accredited loan apps to ensure their safety and privacy.
How to Check If an Online Lending Company Is Legit or Registered in SEC
To protect yourself from illegal loan apps, always verify legitimacy before applying. Here’s how:
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Visit the SEC official website – Use the “List of Online Lending Platforms” tool to confirm registration.
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Check the Certificate of Authority (CA) – A valid CA number proves legal operation.
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Avoid red flags – Apps demanding high upfront fees, unverified links, or threatening messages are likely scams.
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Look for CIC accreditation – A CIC registered online lending app means the company reports responsibly to the Credit Information Corporation.
Knowing how to check if lending company is legit is essential to avoid fraud and financial stress.
Updated SEC Registered Loan App List Philippines 2026
Below are examples of legitimate and licensed online lending apps officially registered with SEC and safe for Filipino borrowers.
1. Instacash – Legit SEC Registered Loan App
Instacash is one of the top-rated SEC registered loan apps 2026, offering instant approval and quick disbursement. It provides flexible repayment options with clear disclosure of interest rates. Borrowers can apply using a valid ID and receive funds within minutes via e-wallet or bank transfer.
2. MayPera – Licensed Online Loan App SEC Registered
MayPera is known for transparent loan terms and fast processing. As a licensed online loan app, it operates legally under SEC supervision, making it a trustworthy choice for emergency cash. Borrowers enjoy flexible repayment terms and low service fees.
3. Cash Ni Juan – SEC Registered Online Lending Company
Cash Ni Juan holds an official SEC Certificate of Authority and is fully compliant with data privacy laws. It offers small personal loans with short-term repayment cycles. Borrowers appreciate its fair policies and efficient approval process.
4. Happy Pera 2 – CIC Accredited & Legit Loan App
Happy Pera 2 is a CIC accredited loan app, meaning it reports borrower activity responsibly, helping users build a good credit record. It is SEC-registered, with clear rates and no hidden fees. This makes it one of the most reliable apps for first-time borrowers.
5. OKPeso – Legitimate and Licensed Loan App
OKPeso provides secure personal loans without collateral. It is part of the list of online lending companies registered in SEC 2026, ensuring full compliance with national lending laws. Borrowers can easily check their loan terms and repayment schedule through the app.
6. MoreGold & EasyPeso – Legit SEC Approved Loan Apps
Both MoreGold and EasyPeso are recognized as licensed loan apps with verified SEC registration. They offer user-friendly platforms and reasonable rates, making them popular among regular borrowers seeking short-term financing.
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