If you’re planning to borrow from the Surity Cash loan app, you’re probably asking: Is it legit? Are there harassment complaints? Is it really registered with the SEC? The short answer is: Surity Cash was once officially registered with the Securities and Exchange Commission (SEC) under SEC Registration No. CS201910185 and Certificate of Authority No. 3013. However, in 2026, the SEC revoked its license following multiple complaints of harassment and unfair collection practices. That means its current legal standing is questionable.
What Is Surity Cash Loan App?
Overview
Surity Cash is an online lending app targeting Filipino borrowers looking for quick cash loans without the need for collateral. Operated by Surity Cash Lending Investors Corp., the platform advertises loan amounts ranging from ₱1,000 to ₱25,000, with repayment periods from 91 to 180 days. The app promotes low interest rates starting at 0.5% per day, though users have reported that actual charges can be higher once service fees are applied.
The app was available for Android devices and could be downloaded as an APK file. It offered an entirely online application process — requiring only a valid ID, mobile number, and personal details. Borrowers could check their loan eligibility, apply, and receive funds directly through the app.
Interest Rate & Fees
The company claimed a maximum APR of 32% per year, though many users stated that service fees between 5–10% were deducted upfront. For example, a ₱10,000 loan over 91 days might result in a total repayment amount of around ₱10,700–₱11,000, depending on fees.
Is Surity Cash Legit and SEC Registered?
When it first launched, Surity Cash Lending Investors Corp. appeared to operate legally with SEC Registration No. CS201910185 and Certificate of Authority No. 3013. This indicated that it was authorized to engage in lending activities.
However, in early 2026, the SEC cancelled its license after receiving nearly 200 complaints. The official reason cited was violation of SEC Memorandum Circular No. 18, Series of 2019, which prohibits harassment and unethical collection behavior. This revocation means Surity Cash can no longer legally operate as a lending company in the Philippines.
Therefore, while Surity Cash was once legitimate, it is no longer considered compliant or authorized. Borrowers should be very cautious about using the app or providing any personal data to the company moving forward.
User Experience and Harassment Complaints
Mixed Borrower Reviews
Some borrowers initially found Surity Cash convenient, fast, and helpful during emergencies. They reported that loan approval and fund disbursement were quick, sometimes within the same day. Others praised its easy-to-use interface and minimal documentation.
However, many users had negative experiences, including:
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Sudden reductions in approved loan amounts.
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Delayed fund transfers or payment posting errors.
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Poor customer service responses via email or in-app chat.
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Unexpected fees that were not clearly shown during application.
Harassment and Collection Practices
The most serious issue surrounding Surity Cash involves alleged harassment of borrowers. Complaints included threatening messages, contacting relatives, and public shaming through text messages and social media. These reports were a major reason for the SEC’s revocation of its license.
Some victims claimed they were pressured and emotionally distressed due to aggressive collection agents. Under Philippine law, such behavior violates borrower rights and can result in regulatory penalties. If you experience similar treatment, you can file a complaint with the SEC Enforcement and Investor Protection Department (EIPD).
App Download, Login, and Data Privacy Concerns
App Availability
As of 2026, Surity Cash appears to have been removed from the Google Play Store. Some APK versions may still circulate online, but downloading from unofficial sites poses serious risks — including malware and data theft.
If you already have the app, login is done through a registered mobile number and one-time verification code. However, because the company’s authorization has been revoked, users are strongly advised to avoid entering personal or financial data into the app.
Privacy and Security
Several borrowers expressed concern that Surity Cash requested excessive app permissions such as access to contacts, storage, and camera. This raises privacy risks since such permissions could allow the lender to view or contact people in your phonebook — a known tactic used by disreputable loan apps for collection harassment.
Pros and Cons of Using Surity Cash
Pros
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Fast application process and quick loan approval.
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Low minimum loan amount, suitable for urgent needs.
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Initially had legitimate SEC registration (before revocation).
Cons
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SEC license revoked, meaning it’s no longer legally authorized.
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Reports of harassment and unethical collection tactics.
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Excessive permissions that risk borrower privacy.
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High effective interest and service fees.
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Uncertain safety when downloading the APK from unofficial sources.
Practical Advice for Borrowers in 2026
If you are considering using Surity Cash or any other online lending app in the Philippines, keep the following tips in mind:
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Always verify SEC registration. Use the official SEC website to check if a lender still has a valid Certificate of Authority.
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Avoid apps that request contact access. Legitimate lenders will not need to access your phonebook.
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Do not pay “processing fees” upfront. Real lenders deduct fees after loan approval, not before.
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Document all transactions. Keep screenshots of payments, receipts, and communication with customer service.
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Report harassment. If you experience threats or privacy violations, report to the National Privacy Commission (NPC) or SEC EIPD.
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Consider regulated alternatives. Traditional banks, microfinance institutions, or cooperative loans are safer.
Borrow responsibly — borrowing from unregistered apps can lead to identity theft, harassment, and legal complications.
Final Verdict
Surity Cash began as a legitimate lending app but has since lost its SEC authorization due to numerous borrower complaints and proven cases of harassment. Although the app once offered convenience and speed, its current status means it is no longer safe or recommended.
If you are searching for a safe online loan in the Philippines, prioritize platforms that are currently listed as SEC-registered and have transparent loan terms. Always protect your privacy and ensure the lender follows fair collection practices.
Nicholas Bloom is a renowned British economist and professor at Stanford University, best known for his groundbreaking research on management practices, remote work, and productivity. His studies have significantly influenced how organizations adapt to modern work environments. Bloom has collaborated with leading institutions worldwide and frequently contributes insights on economic growth, innovation, and workplace dynamics, making him one of the most respected voices in contemporary economic research.
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