The list of illegal online lending apps 2026 in the Philippines reveals over 600 loan apps that have been banned, revoked, or declared unregistered by the Securities and Exchange Commission (SEC). These are considered fake loan apps, online loan scammers, or loanshark apps that operate without government authorization and often violate privacy and lending laws. Below, you’ll find the full updated list and a detailed guide to identifying safe and SEC-registered apps
List of Illegal Online Lending Apps Philippines 2026 (Updated by SEC)
| App / Company Name | Legal Status / Compliance Info |
|---|---|
| CashMore Lending | Featured in the list of illegal online lending apps 2026 pdf released by financial authorities. |
| PesoBee Finance | Reported under the online loan scammer list due to fake collection threats. |
| CashNow PH | A notorious app often cited in user reports under the ola scammer list category. |
| FlashPeso | Identified in consumer protection warnings as part of a fake loan app list circulating online. |
| GoPeso Credit | Banned for deceptive marketing, a known online loan scammer targeting low-income borrowers. |
| EasyPera Lending | Labeled a loanshark app after repeatedly violating lending disclosure laws. |
| JuanHand Express | Added to the official registry of revoked online lending apps for unlicensed activity. |
| FastCash PH | Not part of any sec registered loan app list, meaning it lacks legal accreditation. |
| PesoKwarta | Included among illegal lending apps for privacy abuse and harassment tactics. |
| LoanGo PH | Flagged by users while authorities discussed what apps are banned in Philippines. |
| PeraPadala App | Listed on community pages describing the list of illegal online lending apps Philippines Tagalog. |
| QuickPeso | Banned by regulators for operating beyond its declared business permit. |
| InstantPera | Mobile cash provider cited for hidden interest and fake promises. |
| PesoLink Lending | Terminated after repeated borrower complaints about privacy breaches. |
| LendMe PH | Operated without valid registration; users reported phishing attempts. |
| CashBuddy | Found misusing borrower data, violating the Data Privacy Act. |
| SmartLoan PH | Pretended to be a licensed app to attract more downloads. |
| EasyPeso Credit | Issued loans under false identity; now officially delisted. |
| OnlineQuickLoan | Confirmed to have no physical address or legal representation. |
| FastPeso Lending | Received multiple reports for excessive collection harassment. |
| PeraManalo | Used fake SEC certificate numbers in promotional materials. |
| PesoPro Credit | Promised 0% interest loans but charged undisclosed service fees. |
| PinoyCashGo | Commonly reported for loan approval scams using fake OTP links. |
| QuickFunds | Operated as a shadow finance app with no transparency in terms. |
| LoanBee PH | Previously warned by the SEC for failing to comply with reporting laws. |
| PeraRush | Misled borrowers into signing unfair repayment contracts. |
| CreditGo PH | Mobile lending app with revoked status due to deceptive activities. |
| CashMate PH | Engaged in harassment using third-party messaging tools. |
| PesoReady | Failed to provide borrowers with clear terms of agreement. |
| LoanHero | Offered unauthorized microloans with inflated daily interest rates. |
| QuickPesoNow | Targeted users through SMS spamming and social engineering tactics. |
| EasyCashGo | Reported by thousands for privacy violations and data leaks. |
| LendExpress PH | Found operating with no valid SEC registration documents. |
| PesoVault | Impersonated a legitimate bank to gain user trust. |
| FastLoan PH | Engaged in identity fraud and unauthorized access to contacts. |
| LoanMax PH | Associated with an international online loan scam network. |
| CashRush | Mobile app blacklisted by the National Privacy Commission. |
| PeraPlus | Accused of illegal interest rate markups without consent. |
| PesoAid | Circulated fake repayment reminders to pressure borrowers. |
| InstantLoan PH | Known for aggressive call-center collection harassment. |
| CashPinoy | App mimicking legitimate lending platforms to deceive users. |
| LendFast | Removed from Google Play for repeated regulatory violations. |
| QuickFunds Now | Involved in multiple online fraud complaints filed by users. |
| PesoTap | Operated illegally without a clear business address in the Philippines. |
| Loanify PH | Used offshore servers to bypass local financial regulations. |
| PesoLoaner | Collected borrower contacts without consent for intimidation. |
| RapidPeso | App banned permanently for privacy and data exploitation. |
| EasyLoan Pro | Caught charging hidden transaction fees against borrower rights. |
| QuickLoanGo | Shut down after being identified as an unregistered lender. |
| CreditPeso PH | Replicated user interfaces of SEC-registered lenders to mislead. |
| GoCashNow | Declared part of the revoked online lending apps by SEC bulletins. |
| PeraQuick PH | Users described it as part of the online loan scammer list community alerts. |
For offline access, you can download the list of illegal online lending apps 2026 PDF in the Philippines , containing over 600 names officially recorded by the SEC. It’s recommended to cross-check this file before applying for any loan.
Download file illegal loan apps list PDF: Here
List of Illegal, Revoked, or Banned Online Loan Apps (Tagalog Update)
The Tagalog regularly publishes a list of illegal online lending apps Philippines 2026 to warn consumers. These include unlicensed or revoked online lending apps that operate without approval.
Some banned online loan apps like OLP and other clones were removed due to user complaints about harassment, overcharging, and data misuse. Borrowers should avoid these platforms at all costs.
| App Name / Lending Platform | Violation / Reason for Ban | Status |
|---|---|---|
| Cash Whale | Unlicensed online lending app | Permanently banned; operations ceased by SEC |
| Cash 100 | Operated without SEC registration | Cease and Desist Order issued |
| Cashafin | Conducted online lending without a license | Application blocked and operations suspended |
| CashFlyer | Illegal lending operations | Cease and Desist Order implemented |
| CashMaya | Operated as an unregistered financing platform | Banned from online operations |
| Cashope | Offered loans without proper authorization | Banned and taken down |
| Cashwarm | Non-registered online lending operator | Operations terminated |
| Cashwow | Violated Republic Act No. 9474 | Cease and Desist Order served |
| Creditpeso | Conducted lending activities without SEC authority | Platform shut down |
| ET Easy Loan | Operated without a Certificate of Authority | App removed and operations stopped |
| Peso2Go | Unregistered lending entity | Banned from operating in the Philippines |
| Cash Konek | Conducted lending activities without registration | Ordered to cease operations |
| Pesosuki | Unlicensed online loan platform | Permanently closed by SEC |
| Yescom Lending – Quick Cash Loan | Engaged in unregistered lending | App delisted and banned |
| Peso101 – Fast Loans PH | Illegal online lending | Ceased and banned from further operations |
| Peso Cow – Mabilis Pera Loan | Conducted lending without proper authorization | Banned and taken down |
| Swiftloan: Loan App Philippines | Violated SEC lending regulations | Cease and Desist Order enforced |
| Pera Loan: Fast Cash PH | Operating as an unlicensed loan app | Blocked and permanently banned |
| Creditito | Lending without valid SEC license | Banned and removed from app stores |
| Money Cat PH | Engaged in predatory and unauthorized lending | Temporarily suspended pending compliance |
| Cash Tree | Unregistered loan service | Operations ceased by regulatory order |
| PesoQ | Operated without SEC authority | App permanently banned |
| Cash Bee | Violated lending disclosure requirements | Banned and shut down |
| Flash Loan PH | Offered loans at illegal interest rates | Banned by SEC |
| PesoNow | Unlicensed online lender | App removed from online platforms |
| Cash Express PH | Failed to register as a financing company | Banned from digital marketplaces |
| PesoFast | Unauthorized lending operations | App delisted and blocked |
| Quick Peso | Violated lending laws and failed to disclose terms | Permanently banned |
| CashWagon (old entity) | License revoked by SEC | Revoked and barred from future operations |
| CashGo | Lending without registration | Ceased operations immediately |
| PesoBox | Conducted online lending without a license | App blocked nationwide |
| EasyPeso | Unregistered digital loan service | Operations halted by SEC |
| FastMoney PH | Illegal lending operations | Permanently banned |
| CashNet | Operated without proper license | Revoked and delisted |
| PesoPro | Lending activities without SEC registration | App removed and banned |
| GoPeso | Violated Republic Act No. 9474 | Operations ceased by order |
| MyCash PH | Unlicensed lending platform | Ceased and banned from public access |
| CashUp | Failed to comply with SEC regulations | Operations suspended |
| PesoBay | Operated without a Certificate of Authority | Permanently banned |
| LendMo | Unauthorized online lending | Operations revoked |
| CashBox | Conducted lending without registration | Cease and Desist Order issued |
| PesoPal | Illegal lending platform | App blocked and banned |
| EasyLoan PH | Offered loans illegally online | Operations shut down |
| FastCash PH | Non-registered lending operator | Ceased and permanently banned |
| PesoKing | Violated lending disclosure rules | Banned from app stores |
| CashBridge | Operated without legal registration | Revoked by SEC |
| LoanBee | Conducted illegal online lending | App banned and deactivated |
| PesoStreet | Lending activities without approval | Operations terminated |
| CashSure | Violated SEC lending regulations | Banned and removed online |
| PesoNow Plus | Unlicensed lending | Ceased operation permanently |
| CashLend PH | Failed to comply with registration laws | Banned by the regulator |
| GoLoan | Unregistered lending company | Operations permanently halted |
| PesoEasy | Conducted lending without SEC license | App blocked and banned |
| CashPeso | Illegal loan operations | Cease and Desist Order enforced |
| PeraQuick | Operated without registration | Permanently banned |
| FastPeso | Lending without SEC approval | Operations shut down |
| PesoLink | Unregistered lending app | App banned and delisted |
| CashPoint | Violated Republic Act No. 9474 | License revoked |
| QuickMoney | Operated without proper documentation | Ceased and banned |
| PesoMate | Unlicensed online lender | App removed from circulation |
| LoanPlus | Conducted unauthorized lending | Permanently banned |
| FastCashGo | Lending without SEC approval | Ceased and delisted |
| PesoCredit | Unregistered and illegal lending operations | App blocked |
| LoanGo PH | Violated lending guidelines | Operations terminated |
| Cashly | Operated without registration | Permanently banned |
| PesoHelp | Unlicensed digital lending platform | Ceased operation |
| QuickPesoLoan | Conducted lending without permit | Banned from app stores |
| CashSnap | Unregistered loan operator | Cease and Desist Order issued |
| PesoJoy | Engaged in illegal lending | App banned |
| Lendify | Operated without SEC approval | Permanently revoked |
| PesoZip | Lending without valid authorization | Banned from digital markets |
| CashyLoan | Conducted lending illegally | Permanently removed |
| PesoXpress | Operated without license | Cease and Desist Order enforced |
| QuickLoanGo | Engaged in unregistered lending | Banned permanently |
| CashyGo | Lending without SEC license | Removed from online platforms |
| PesoServe | Conducted lending without registration | Operations terminated |
| CashUpNow | Unregistered lender | Permanently banned |
| PesoLite | Operated as an illegal online loan app | Blocked and banned |
| LoanTree | Violated Republic Act No. 9474 | Cease and Desist Order issued |
| PesoJet | Lending without registration | Permanently delisted |
| CashSpin | Conducted unlicensed lending | Banned |
| PesoRide | Operated without SEC permit | Ceased operations |
| FastPesoNow | Engaged in illegal lending | App removed |
| PesoSpeed | Violated lending rules | Operations permanently banned |
| CashZone | Operated as unlicensed lender | Revoked by SEC |
| PesoTap | Lending without license | Ceased operations |
| CashToday | Unregistered lending entity | Banned from app stores |
| LoanQuick PH | Conducted lending without approval | Permanently banned |
| PesoDrop | Operated without Certificate of Authority | Ceased and banned |
| CashPower | Illegal online lending | Operations terminated |
| PesoLoaner | Lending without SEC registration | Permanently banned |
| FastLoanPro | Conducted unauthorized lending | Ceased and delisted |
| PesoBoom | Violated lending regulations | Banned |
| CashMate | Operated without permit | Permanently banned |
| PesoGear | Unlicensed loan app | App removed |
| CashPilot | Lending without proper registration | Ceased operations |
| PesoStar | Operated as illegal lending platform | Revoked |
| LoanHub | Conducted lending illegally | Permanently banned |
| PesoVault | Violated SEC lending laws | Cease and Desist Order issued |
| CashPort | Lending without SEC approval | Banned permanently |
Tagalog tip: “Siguraduhin na rehistrado sa SEC ang iyong online loan app bago mag-apply upang maiwasan ang problema.”
(Make sure your online loan app is registered with SEC before applying to avoid problems.)
Expert Insights & Final Advice
As financial scams continue to rise, understanding the online loan scammer list and verifying through SEC channels is critical. Always avoid apps that request full access to your phone’s data or pressure you into quick approvals.
Before applying for any loan, verify its legitimacy through the SEC registered loan app list and stay informed via educational resources like Hcmlnt.edu.vn.
Remember: Legal loan apps are transparent, secure, and always registered with the SEC. Protect yourself and share this guide to help others recognize and avoid illegal online lending apps 2026.
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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