SEC Registered Lending Apps List (Updated 2026) and Apps the SEC Flagged

A loan app can go from download to cash in your GCash in the time it takes to finish a coffee. The same speed works for the operators with no license and for the copycat apps borrowing a real company's name and logo. The SEC posts advisories against both almost every month.

Checking a lender yourself takes about five minutes. You need three numbers from the lender and one list from the SEC.

Who regulates lenders in the Philippines?

Different kinds of lenders answer to different regulators:

• Lending companies are governed by the Lending Company Regulation Act of 2007 (Republic Act No. 9474) and regulated by the Securities and Exchange Commission (SEC).
• Financing companies are governed by the Financing Company Act of 1998 (Republic Act No. 8556, as amended) and are also regulated by the SEC.
• Banks (universal, commercial, thrift, rural and digital banks) are supervised by the Bangko Sentral ng Pilipinas (BSP).
• Pawnshops are also supervised by the BSP.
• Cooperatives that lend to members are registered with the Cooperative Development Authority (CDA).

Most online lending apps are run by SEC-registered lending or financing companies, so the SEC is usually where you'll verify them.

The SEC list of registered lending apps (as of 12 October 2026)

The SEC's List of Recorded Online Lending Platforms is the closest thing to an official "SEC registered lending apps list". The version we checked says it's "as reported pursuant to SEC MC 20, series of 2026" and is current as of 12 October 2026. It names 133 lending and financing companies and 203 online lending platforms (apps and websites).

A few things to know about it:

• It lists platforms, not just companies. Each line shows the company, its SEC Registration No., its CA No. and the app or site it reported. If the app you downloaded isn't on that line, it isn't covered.
• New apps can appear. SEC Memorandum Circular No. 20, series of 2026 lifted the moratorium on new online lending platforms effective 1 August 2026. Each company can run up to five platforms, and only lending or financing companies with a CA can run one.
• It changes. Check the date at the top of the list every time. A screenshot from last year proves nothing today.

Some apps you may know that appear on the 12 October 2026 list:

Being on the list means the SEC has a record of the platform. It doesn't mean the loan is cheap or right for you, and it doesn't guarantee approval. Compare the total cost first with our interest rates, EIR and fees guide. For a cross-checked shortlist of well-known apps, with published rates and the interest caps worked through in pesos, see legit loan apps in the Philippines.

Loan apps the SEC flagged in 2026

These are from SEC advisories posted on sec.gov.ph. Names are written the way the SEC wrote them, except that we show the dash inside a few app titles as a colon. Scammers rename apps often, so a new name won't be on any old list.

11 August 2026: unauthorized online lending platforms

• Google Play: Fundra, Ginhawa, PeraBridge: Loan Services PH, Peso Buddy: Online lending PH, SigiLoan, Peso Bridge, Peso Mate: Online Cash Loan, PesoSalon, PesoUp, UtangBuddy, Velto
• Apple App Store: CashBus.ph, CreditProbe, Madacash Compare, Square Lend
• Websites: Catchkash, Global Credit Pros Corp, Peso Pal, PeraMigo, RPAX Loan, SigiLoan (peraloan7.com)
• Fake apps using a registered company's name: LoadCash (posing as Copperstone's Loadcash) and Mabilis Cash: Fast Peso Loan (posing as Mabilis Cash Financing Corp.)

20 August 2026: platforms not recorded with the SEC

• Google Play: Agarang Tulong, LayaLoan, Mopeso, PeraAgad, Peso Buddy, PJF Loan-Cash Credit, Sweldo Plus, TrustPocket, VIP Lend
• Apple App Store: Delcom Cash
• Websites: Delisha, Dragon888peso, Easyloan Personal Finance (lending-sec.com), FinPine, Kredilaya, Loan Shop, Pera Vista, Pesopal, Shukobuild, Tulong Piso Credit
• Fakes: Cashguard (posing as Fast Coin Lending), Fast Cash (posing as Gofcash), Moca Moca (posing as Copperstone), a fake Tala website, and a fake Supreme Money site (suprememk.ph)

Other 2026 advisories

• 9 July 2026: lendingfast.one, an advance-fee loan scam.
• 24 August 2026: PesoMoo, not registered, with reports of harassment and misuse of borrowers' contact lists.
• 25 August 2026: a MayPera iOS app published by "United Concrete Technologies Phils. Inc.", which the SEC said isn't authorized by Lucky Shell Fintech Lending (CA No. 3055).
• 25 August 2026: "Peso Cash Loan" (com.makatiloan.pesocashloan), which the SEC said misuses the name of Makati Loan, Inc. (CA No. 3130).

In March 2026, the SEC, DICT and the National Privacy Commission also issued a joint advisory (dated 18 March 2026) on collection practices: lenders may contact only your guarantors about your loan, apps can't demand permissions they don't need, and using your contact list to shame you is prohibited.

Is there an official "online loan scammer list"?

No single SEC list is called a scammer list. What the SEC publishes is:

• Advisories naming unauthorized, unrecorded and fake apps, like the ones above. Look for them under Advisories on sec.gov.ph.
• Revocation and suspension notices. For example, the SEC posted notices on 29 May 2025 revoking 47 financing companies and on 30 May 2025 revoking 401 lending companies for being delinquent.
• The SEC Check App at checkwithsec.sec.gov.ph, to look up a company name or SEC number.

Facebook groups that share "scammer lists" of borrowers or lenders aren't official. Posting someone's name, photo or debt online can also break the Data Privacy Act. If an app harasses you, use the steps in loan-app harassment and your rights instead.

The three details every legitimate lender should show

Under SEC Memorandum Circular No. 19, series of 2019, lending and financing companies must disclose key corporate details in their advertisements and on their online lending platforms. Look for:

1. Corporate name: the full registered name, such as "ABC Lending Corp." or "XYZ Financing Inc." A brand or app name alone isn't enough.
2. SEC Registration Number: often starting with letters such as "CS" followed by numbers.
3. Certificate of Authority (CA) Number: the separate authority that allows the company to operate as a lending or financing company. Being a registered corporation isn't enough to lend. The company also needs a CA.

These details are usually in the website footer, the "About Us" page, the app store listing, or inside the app. Can't find them anywhere? Treat that as a warning sign.

Step-by-step: verifying on the SEC website

1. Go to the official SEC website at sec.gov.ph. Type the address yourself rather than clicking links in messages or ads.
2. Look for the section on Lending Companies and Financing Companies. The SEC publishes a list of financing companies, a list of lending companies, a list of recorded online lending platforms, and a list of revoked and suspended companies.
3. Search the company name using your browser's find function (Ctrl+F on desktop, "Find in page" on mobile). Try parts of the name, since spelling and punctuation may differ.
4. Match the numbers. The SEC Registration Number and CA Number on the lender's site should match the SEC list.
5. Check the platform. If you're using an app, see whether that app or website is listed as an online lending platform of that company. An app with a registered company's name on it can still be a fake.
6. Check the revoked and suspended list and the SEC's advisories. A company that once had a CA may have had it revoked.

SEC lists are updated periodically and some are published as documents rather than searchable databases. If you can't find a company, you can contact the SEC directly through the contact details on its website.

Red flags that a lender may not be legitimate

• No corporate name, SEC number or CA number anywhere on the site or app.
• Numbers that don't match the SEC lists, or a CA number that belongs to a different company.
• Advance fees. You're asked to pay a "processing", "insurance" or "verification" fee via GCash, Maya, or remittance before you receive the loan.
• Communication only through social media or messaging apps, with no official website or office address.
• "Guaranteed approval" or "no requirements at all" claims. Real lenders assess your application first, so nobody can guarantee approval.
• Excessive app permissions, such as full access to your contacts, photos, or messages.
• Pressure to decide immediately or to borrow more than you asked for.
• Similar-looking names. Scammers often copy a well-known brand with a small spelling change or an extra word.

What about loan comparison and matching websites?

Websites like utang.ph aren't lenders. We compare options and may refer you to lenders, and we may be paid when you click through or apply. A comparison or matching service cannot approve your loan and should never ask you to pay a fee to get one. The loan contract is always between you and the lender, so it's the lender's registration you need to verify.

On our lender comparison page, we show a lender's corporate name, SEC Registration Number and Certificate of Authority Number only where we were able to confirm them from the SEC's lists or the lender's own website. Where we couldn't, we say so. Either way, do your own check before you apply.

What to do if you find an unregistered lender

• Don't borrow from it, and don't send it your IDs or selfies.
• Report it to the SEC using the complaint channels listed on sec.gov.ph, including the SEC iMessage portal at imessage.sec.gov.ph.
• If you've already shared personal data and are being harassed, see our guide on loan-app harassment and your rights. You may also complain to the National Privacy Commission.
• If you've been threatened or defrauded, you can report to the PNP Anti-Cybercrime Group or the NBI Cybercrime Division.

A 60-second checklist

• I found the lender's full corporate name.
• I found its SEC Registration Number and Certificate of Authority Number.
• Both numbers match the SEC's published lists.
• The app or website I'm using is the company's own platform, not a look-alike.
• The company doesn't appear on the SEC's revoked/suspended list or recent advisories.
• I haven't been asked to pay anything upfront.

Once two or three lenders pass this check, compare their real cost with our guide on how to compare personal loans, or start from the comparison page. New to borrowing? Read the first-time borrower guide too. Mas komportable sa Taglish? Basahin ang paano malaman kung SEC-registered ang lending app, or answer 5 quick questions in the loan matcher.

Where these facts come from

We checked these SEC pages on 19 October 2026:

• SEC List of Recorded Online Lending Platforms, as of 12 October 2026 (sec.gov.ph, Lending Companies and Financing Companies section)
• SEC Memorandum Circular No. 20, series of 2026, and the SEC advisory of 20 August 2026 on new online lending platforms
• SEC advisories dated 9 July, 11 August, 20 August, 24 August and 25 August 2026 (sec.gov.ph, Advisories 2026)
• SEC notices of revocation dated 29 May 2025 and 30 May 2025
• SEC, DICT and NPC joint advisory dated 18 March 2026 (privacy.gov.ph)
• SEC Memorandum Circular No. 19, series of 2019

If the SEC's own pages say something different from this guide, the SEC is right.

Frequently asked questions

Is SEC registration enough for a company to lend money?

No. A corporation also needs a Certificate of Authority (CA) from the SEC to operate as a lending or financing company. Look for both numbers.

Where do I find a lender's SEC Registration and CA numbers?

Usually in the website footer, the About Us page, the app store listing or inside the app. SEC Memorandum Circular No. 19, s. 2019 requires lenders to disclose them in their ads and platforms.

What should I do if a lending app is not on the SEC lists?

Don't borrow from it or send it your IDs or selfies. Report it to the SEC through the complaint channels on sec.gov.ph.

Legit ba ang loan app na ito? Paano malalaman kung may SEC?

Hanapin sa app o website ang buong corporate name, SEC Registration No. at Certificate of Authority No. Tapos i-check mo mismo sa sec.gov.ph kung nasa listahan sila at kung kasama ang app na gamit mo. Kung wala o hindi tugma, huwag nang ituloy.

Where can I see the SEC registered lending apps list?

On sec.gov.ph, under Lending Companies and Financing Companies, open the List of Recorded Online Lending Platforms. The version we checked was as of 12 October 2026 and named 133 companies and 203 apps and websites.

Which loan apps did the SEC flag in 2026?

In August 2026 the SEC named more than 40 apps and sites, including UtangBuddy, PesoUp, Peso Mate, SigiLoan, Sweldo Plus, PeraAgad and PesoMoo. The full lists with dates are in the section above. Always check sec.gov.ph for newer advisories.

Is there an online loan scammer list in the Philippines?

Not under that name. The SEC publishes advisories against illegal apps and notices revoking lending and financing companies. Facebook "scammer lists" aren't official, and posting people's personal data can break the Data Privacy Act.