When Filipino borrowers search for “Surity Cash”, the biggest questions are always the same: Is the Surity Cash loan app legit? Is it SEC registered? Are the harassment complaints true?
Short answer: Surity Cash Lending Investors Corp. is listed as SEC-registered, but many borrowers report harassment, overcharging, and unfair collection practices, raising doubts about the safety of using this cash loan app. Full details, including SEC numbers and customer complaints, are explained below.
What is Surity Cash?
Surity Cash is a digital lending platform in the Philippines that offers quick short-term loans through its mobile application. The app is designed for borrowers who need fast access to emergency funds, providing a simple online application process and minimal requirements. Users can apply using a smartphone, submit basic identification, and receive the approved amount through common digital wallets or bank transfer. While Surity Cash promotes convenience and speed, borrowers are encouraged to review its loan terms, fees, and user feedback before deciding to use the service.
Is Surity Cash Legit or a Scam?
Based on available records, Surity Cash Lending Investors Corp. is registered with the SEC, meaning the company is legally allowed to operate lending services in the Philippines.
✔ SEC Registration Details (as publicly listed):
- SEC Registration No.: CS201910185
- Certificate of Authority No.: 3013
However, being SEC-registered does not automatically mean the app is safe, trustworthy, or free from abusive practices. Borrowers must review complaints and user experiences before applying.
Surity Cash Interest Rate and Loan Terms
Borrowers report the following loan details:
| Loan Feature | Reported Details |
|---|---|
| Loan Amount | ₱1,000 – ₱25,000 (variable) |
| Processing Fee | 0–10% (deducted upfront) |
| Repayment Terms | 91–180 days (flexible-term) |
| Effective Interest Rate | Can exceed 25–32% for first loan |
| Disbursement | GCash / bank transfer |
Actual terms may vary. Always check the app before applying.
Surity Cash Requirements
Typical basic requirements include:
- Valid government ID
- Mobile number
- Personal information
- Phone access permissions
- Optional: proof of income
- Legal Age: 18+ to qualify for a cash loan
Important: Granting phone access may allow the app to retrieve contacts, photos, and messages—risking exposure during collection.
Is Surity Cash Revoked by the SEC?
As of the latest update (2026), Surity Cash Lending Investors Corp. has NOT been listed as revoked.
However, borrowers should regularly check the SEC official website because the SEC frequently updates the list of revoked, suspended, or blacklisted loan apps.
Customer Service & Contact Email Address
Email:customerservice@suritycash.ph
Address: 11th Floor Trade Ave Coherco Financial Tower,Ayala Alabang,Muntinlupa City
Common complaints include:
- Slow response
- Automated replies
- No resolution for collection harassment
- No adjustments on loans
Because of this, customer service is rated poorly by many users.
Harassment Complaints: What Borrowers Are Saying
One of the most concerning issues involving the Surity Cash loan app is the high volume of harassment complaints, often posted on:
- Facebook groups
- PH consumer complaint forums
- TikTok
- Reddit (r/Philippines, r/phinvest)
Common Surity Cash Harassment Reviews Include:
- Contacting all numbers in the borrower’s phonebook
- Threatening messages using fabricated legal terms
- Shaming the borrower through mass texts
- Continuous calls even after payment
- Threats of lawsuits, workplace messages, and social media exposure
These practices violate the SEC Fair Debt Collection Guidelines, which prohibit:
- Public shaming
- Threats
- Contacting persons not related to the loan
- Harassment of any form
Because of these reports, many borrowers classify Surity Cash as legit-but-risky, especially regarding collections.
Is the Surity Cash Loan App Safe?
Potential Advantages:
- Quick approval
- Minimal requirements
- Convenient app-based process
Major Risks:
- Harassment during collection
- High interest rates
- Hidden fees
- Short repayment periods
- Data privacy concerns
Users should understand that many Philippine loan apps—even SEC-registered ones—can still engage in abusive tactics.
Surity Cash Login, App Download, and APK
Borrowers usually search for:
- Surity Cash app download latest
- Surity Cash APK for Android
- Surity Cash for iOS
- Surity Cash login
Warning:
Many “APK downloads” online are unofficial, which may contain malware or data-stealing features. Only download from official app stores, and avoid unauthorized APK sources.
iOS availability is inconsistent and may not always be present in the App Store.
Surity Cash on Reddit: What Real Borrowers Are Saying
Reddit users provide some of the most honest reviews. Frequent comments include:
- “Legit but abusive.”
- “They will contact your entire phonebook.”
- “High interest and short terms.”
- “Paid but still getting harassment texts.”
Many users recommend avoiding Surity Cash unless absolutely necessary.
Victims of Surity Cash: What You Can Do
If you believe you have been a victim of harassment:
You can file a complaint with:
- SEC Enforcement Division
- National Privacy Commission (NPC) – for data privacy violations
- PNP Anti-Cybercrime Group
- DTI (if applicable)
Keep Evidence
Prepare:
- Screenshots
- Call logs
- Threat messages
- Phone recordings
These will help authorities investigate the lender’s practices.
Harassment Investigation: Is the SEC Taking Action?
The SEC is actively investigating online lending apps with multiple harassment reports. Borrowers have submitted videos and screenshots against Surity Cash for:
- Public shaming
- Data misuse
- Threatening messages
If enough validated complaints are filed, the lender could face:
- Penalties
- Suspension
- Revocation of Certificate of Authority
Should You Use Surity Cash in 2026?
Recommended for borrowers who:
- Need emergency cash
- Can repay within 91–180 days
- Understand the risks
Not recommended for borrowers who:
- Want safe online loans
- Cannot pay immediately
- Do not want their contacts exposed
- Prefer apps with good customer service
If you prefer safer options, consider SEC-accredited lending apps with good ratings, such as:
- Tala
- GCash GGives / GLoan
- Maya Loan
- Banks like CIMB, Tonik, UNO Digital Bank
Final Verdict: Surity Cash Legit or Not?
Surity Cash is legally registered, but the harassment complaints, high fees, and privacy risks mean borrowers should proceed with caution. For many Filipinos, the app is “legit but unsafe.”
If you value transparent fees, respectful collection, and data privacy, you may want to explore better alternatives.
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