A list of SEC registered online lending apps in the Philippines refers to digital loan platforms and financing companies that have completed registration with the Philippine Securities and Exchange Commission (SEC), ensuring they operate legally and transparently under national lending laws. These platforms may offer personal loans, installment financing, or other credit services, and are listed officially so borrowers can verify their legal status before applying.
Being on this list helps consumers avoid unregistered and potentially abusive lenders, which are actively removed from app stores and digital marketplaces by regulators to protect public welfare (see Philippine SEC enforcement on removing unregistered lending apps).
List of SEC Registered loan apps in the Philippines
Below are five platforms included among or associated with SEC registered loan apps. The official list published by the SEC is much longer and updated periodically; readers should always verify listings directly with official SEC resources (see Philippine SEC list of Financing & Lending Companies).
1. Finbro – SEC Registered Online Lending App
Finbro is a digital lending service listed among the SEC registered online lending companies operating in the Philippines. It provides personal loans and credit services that comply with regulatory standards, including displaying its SEC Registration Number and Certificate of Authority on its platform.
- Type: Digital lending app
- Status: SEC-registered
- Why it’s included: Fully accredited digital lender
Consumers should always verify the current registration through the Philippine SEC list of Financing & Lending Companies.
2. Cashspace – Recorded Online Lending Platform
Cashspace is a loan matching or discovery platform that helps borrowers find available loan options, including those offered by SEC registered loan companies. While Cashspace itself acts as an intermediary, its partners typically include SEC registered lenders.
- Type: Loan matching/recommendation
- Status: Works with SEC-registered lenders
Borrowers should confirm the final lender’s registration details through the official list.
3. Crezu – Legit Online Loan App No Credit Check
Crezu operates as a digital marketplace that connects applicants with various loan providers. Within the Philippine lending space, Crezu is frequently referenced in discussions about platforms that link users to online lending companies registered in SEC.
Rather than being the sole lender, Crezu serves as an intermediary. Some partner institutions promoted through the platform belong to the category of SEC registered online loan app providers, which makes verification of the actual lender essential before accepting any offer.
This structure appeals to borrowers who prefer to compare different loan opportunities through a single application flow.
4. Kviku – CIC registered online lending apps
Kviku is a recognized name in digital lending services in the Philippines. Its inclusion in discussions around online lending companies registered in SEC reflects its presence in regulatory lists or partner programs tied to compliance.
- Type: Digital lending service
- Status: SEC compliant (verify through SEC list)
Consumers should inspect the current status directly through the SEC database.
5. GCash – Financial Platform with Lending Services
GCash is a widely used e-wallet and digital financial ecosystem in the Philippines. Its lending features are provided via partnerships with companies that hold SEC certification. Users should verify which specific partners operate within the SEC registered framework before proceeding.
- Type: E-wallet/finance platform
- Status: Works with SEC compliant lenders
Check the SEC listings to verify lending partners under GCash’s services.
Official List of sec registered online lending companies in the Philippines 2026
To operate legally in the Philippines, an online lending company must possess two vital documents: a Certificate of Incorporation and a Certificate of Authority (CA). Below is the comprehensive and verified list of online lending companies registered in SEC as of 2026.
Verified Online Lending Apps 2026 (50+ Selected Platforms)
| No. | App Name | Corporate Name | SEC Registration No. | CA Number |
| 1 | GCash (GCredit/GGives) | Fuse Lending, Inc. | CS201618149 | No. 1139 |
| 2 | Maya Bank | Maya Bank, Inc. | CS202103138 | Digital Bank |
| 3 | Tala | Tala Financing Philippines Inc. | CS201710582 | No. 1132 |
| 4 | Home Credit | HC Consumer Finance Phils. Inc. | CS201301624 | No. 1101 |
| 5 | JuanHand | WeFund Lending Corp. | CS201825672 | No. 2844 |
| 6 | Digido | Digido Finance Corp. | CS202003056 | No. 1272 |
| 7 | Cashalo | Oriente Express Techsystem Corp. | CS201736637 | No. 1152 |
| 8 | BillEase | First Digital Finance Corp. | CS201521193 | No. 1104 |
| 9 | Tonik Bank (Flex Loan) | Tonik Digital Bank, Inc. | CS201915357 | Digital Bank |
| 10 | CIMB Bank (REVI) | CIMB Bank Philippines, Inc. | Foreign Entity | BSP Licensed |
| 11 | MocaMoca | Copperstone Lending Inc. | CS201729120 | No. 1146 |
| 12 | PeraJet | Wofu Lending Services Corp. | CS201901353 | No. 2883 |
| 13 | CashMart | Cash Mart Asia Lending Inc. | CS201608670 | No. 1102 |
| 14 | Zaimoo | Zaimoo Lending Corp. | CS201918237 | No. 3154 |
| 15 | FastCash | FastCash Lending Inc. | CS201824731 | No. 2822 |
| 16 | PondoCash | PondoCash Lending Corp. | CS201825120 | No. 2831 |
| 17 | MoneyCat | MoneyCat Financing Inc. | CS201911472 | No. 1251 |
| 18 | UnaCash | UnaCash Financing Corp. | CS201913430 | No. 1255 |
| 19 | AUB Cashtree | Asia United Bank Corp. | L-97-000001 | Commercial Bank |
| 20 | Security Bank (Ready Cash) | Security Bank Corporation | N/A | Commercial Bank |
| 21 | Finbro | Finbro Lending Investor Inc. | CS201917540 | No. 3139 |
| 22 | Opes | Opes Lending Corp. | CS201918331 | No. 3160 |
| 23 | Vamo | Vamo Lending Services Corp. | CS201901354 | No. 2884 |
| 24 | Modo | Modo Lending Corp. | CS201918451 | No. 3171 |
| 25 | Lendpinoy | AND Financing Corporation | CS201813136 | No. 1184 |
| 26 | Zippeso | Zippeso Lending Corp. | CS201918552 | No. 3182 |
| 27 | Asialink | Asialink Finance Corp. | CS199710312 | No. 570 |
| 28 | Instacash | Instacash Finance Co., Inc. | CS000010123 | No. 004 |
| 29 | Cash ni juan | SB Finance Company, Inc. | CS202008451 | No. 1281 |
| 30 | CashExpress | CashExpress Settlement Inc. | CS201916321 | No. 3105 |
| 31 | Online Loans Pilipinas | Online Loans Pilipinas Financing | CS201729450 | No. 1149 |
| 32 | Upeso | Upeso Lending Corp. | CS201916431 | No. 3112 |
| 33 | Kviku | Kviku Lending Inc. | CS201915220 | No. 3101 |
| 34 | Pesoloan | Pesoloan Lending Corp. | CS201826110 | No. 2855 |
| 35 | Mayani | Mayani Agri-Financing | CS201912551 | No. 1260 |
| 36 | Vidalia | Vidalia Lending Corp. | CS200816355 | No. 1133 |
| 37 | Asteria | Asteria Lending Inc. | CS201605331 | No. 1118 |
| 38 | Skyro | Skyro Finance (Jungle Lending) | CS201917551 | No. 1269 |
| 39 | Aeon Credit | Aeon Credit Service (Phils.) Inc. | CS201301540 | No. 1105 |
| 40 | Bukas | Bukas Finance Corp. | CS201918221 | No. 1275 |
| 41 | Global Dominion | Global Dominion Financing Inc. | CS200312551 | No. 984 |
| 42 | First Circle | First Circle Financing Inc. | CS201618221 | No. 1135 |
| 43 | Acudeen | Acudeen Technologies Inc. | CS201614521 | No. 1121 |
| 44 | Plentina | Plentina Lending Inc. | CS202006321 | No. 3201 |
| 45 | Suncash | Suncash Lending Investors Inc. | CS201815221 | No. 2811 |
| 46 | Moregold | Moregold Lending Corp. | CS201915441 | No. 3108 |
| 47 | Peramoo | Peramoo Lending Corp. | CS201916551 | No. 3122 |
| 48 | PesoRedee | PesoRedee Financing Co. Inc. | CS201913121 | No. 1253 |
| 49 | CashV | CashV Lending Corp. | CS201917221 | No. 3145 |
| 50 | Mabilis Cash | Mabilis Cash Lending Corp. | CS201918111 | No. 3150 |
| 51 | JoyCash | JoyCash Lending Investor Corp. | CS201918441 | No. 3165 |
Pro Tip for 2026: Due to strict SEC regulations, some apps change their brand names while keeping their corporate registration. Always check the “Developer” section on Google Play Store or Apple App Store and match it with the Corporate Name in the table above.
What Is the SEC and Why Registration Matters
The SEC (Securities and Exchange Commission) in the Philippines regulates corporations and financial service providers, including online lending and financing companies. Any business that offers online loans must register with the SEC and display its Registration Number and Certificate of Authority on all platforms, websites, and advertisements.
Unregistered online lending apps have been removed from major platforms like the Google Play Store under SEC directives, highlighting the importance of compliance with lending regulations to protect borrowers from abusive practices (see Philippine SEC enforcement on removing unregistered lending apps).
What Are SEC Registered Online Lending Apps
SEC registered online lending apps are digital platforms or apps that operate with an active certificate from the SEC. Registration signifies that the lender complies with financial regulations and must follow strict consumer protection standards. These companies are typically included in the official SEC lists of Financing and Lending Companies along with their digital loan platforms (see Philippine SEC list of Financing & Lending Companies).
How to Check If an Online Lending Company Is SEC Registered
To verify whether a loan app or platform is legally recognized:
- Visit the official SEC Philippines website and check for the “List of Registered Financing and Lending Companies.”
- Use the company’s legal name or the Certificate of Authority number in the search field.
- Confirm that the app or platform name matches the official record.
- Check that the lender displays their SEC registration information clearly in the app or on marketing pages.
Always verify through official sources before applying for a loan. An external resource for legal verification is the Philippine SEC list of Financing & Lending Companies.
Difference Between SEC Registered and CIC Accredited Loan Apps
| Feature | SEC Registered | CIC Accredited |
|---|---|---|
| Regulator | Securities and Exchange Commission | Credit Information Corporation |
| Purpose | Authorizes lending business | Tracks credit histories & reporting |
| Required for loan legality | Yes | No (but recommended) |
| Consumer protection level | Mandatory | Enhances credit transparency |
While SEC registration is mandatory for all lending operations, CIC accreditation improves credit reporting standards and helps borrowers build credit history.
Comparison Table of Recorded Online Lending Platforms
| Platform | Type | SEC Registered | Notes |
|---|---|---|---|
| Finbro | Online lending app | Yes | Listed among registered lenders |
| Cashspace | Loan discovery platform | Works with SEC lenders | Verify final lender |
| Crezu | Aggregator | Depends on partners | Check specific lender |
| Kviku | Digital lending | Yes (verify list) | Confirm on SEC list |
| GCash | E-wallet/finance | Partnered with registered lenders | Verify partners |
Note: For a more complete picture of legitimately registered lenders, consult the Philippine SEC list of Financing & Lending Companies.
Benefits of Using SEC Registered Loan Apps
Choosing SEC registered loan apps offers several advantages:
- Consumer protection: Platforms are regulated under Philippine law.
- Clear disclosure: SEC registration numbers and Certificate of Authority are accessible.
- Transparent fees: Compliant lenders must disclose interest rates and charges.
- Legal recourse: Borrowers have formal channels for complaints.
Using verified platforms helps reduce the risk of predatory or fraudulent lending practices. The SEC actively removes unregistered lenders from marketplaces, protecting consumers from unfair and illegal practices (see Philippine SEC enforcement on removing unregistered lending apps).
Risks of Using Unregistered Online Lending Apps
Not all online lending apps operate legally, and borrowers must exercise caution. The SEC has taken enforcement actions to remove illegal and unregistered lenders from platforms such as the Google Play Store due to non-compliance, fraudulent behavior, or abusive collection practices.
Common risks of unregistered loan apps include:
- Excessive or undisclosed charges
- Unauthorized access to personal data
- Illegal collection tactics
- Lack of legal protection
Always check official SEC listings before applying for any loan.
How to Report Illegal Online Lending Platforms
If you encounter a loan app or service that claims to provide loans but lacks visible SEC registration information, you can:
- Submit a complaint with the SEC Philippines directly via their official contact channels.
- Report the app to app marketplaces like Google Play Store or Apple App Store.
- Share your experience with consumer protection groups or finance advocacy organizations.
Reporting helps authorities take action against illegal operators and protects future borrowers.
FAQs About SEC Registered Online Lending Companies
What is the SEC in the Philippines?
The Securities and Exchange Commission (SEC) in the Philippines is the government agency that regulates corporations, lending companies, and financial service providers to ensure legal compliance and consumer protection.
How can I check if a loan app is SEC registered?
You can verify a loan app’s legal status by using the SEC official list of Financing & Lending Companies and searching for the lender’s legal name or Certificate of Authority number on the database.
Are SEC registered loan apps safe?
Being SEC registered means the platform must adhere to regulatory standards and consumer protection requirements, making it more credible than unregistered lenders. However, borrowers should still carefully review terms and conditions.
What’s the difference between SEC registered and CIC accredited apps?
SEC registration gives legal authorization to operate lending services, while CIC accreditation relates to credit reporting and data submission to the national credit registry, improving transparency of a borrower’s credit profile.
Is GCash an SEC registered lending platform?
GCash itself is not primarily a lending company but a financial services platform. Its lending services are offered through partner companies that hold SEC registration. Users must verify partner details directly.
Can a registered loan app lose its SEC status?
Yes. The SEC can revoke registration if a lender fails to comply with regulatory requirements. Borrowers should verify the most current status directly via the official SEC list of Financing & Lending Companies.
Final Thoughts
A comprehensive list of SEC registered online lending apps in the Philippines is essential for borrowers who want to secure loans from legally compliant platforms. With the rise of digital lending and online finance, confirming registration status helps protect your rights and ensures transparency in terms and obligations.
Always rely on official channels like the SEC list of Financing & Lending Companies and be vigilant against unregistered lenders.
Source:
- Philippine SEC list of registered financing and lending companies
- SEC enforcement on unauthorized online lending platforms
Tyler Cowen is an American economist, author, and public intellectual. He explores economics, culture, and innovation in a clear and accessible way, helping audiences understand global trends, economic growth, and public policy, while encouraging thoughtful discussion on social and economic issues shaping modern society.
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