Compare Philippines Loans. See the Risk First.
Real interest rates. Hidden fee detection. Risk scores. No guessing.
SCAM ALERT: 156+ illegal lenders operating in the Philippines. Borrow only from SEC-registered apps. Check our live blacklist →
Philippine Lending App
Safety Check
Before you borrow — verify your app's SEC status. Over 12 lending apps are currently under SEC investigation or blacklisted in the Philippines.
Quick SEC Status Lookup
Source: SEC Philippines public advisories. Updated March 2026. Verify at sec.gov.ph →
Top 5 Loan Apps This Month
Based on 7 risk factors including SEC status, real APR, and complaint rate
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Government Loan Programs
Before borrowing from a private lender, check if you qualify for a government loan. Rates start at 8% — far below any digital lending app.
Multi-Purpose Loan for active Pag-IBIG contributors. Lowest rate among all digital lenders.
Available to employed and self-employed SSS members with at least 36 monthly contributions.
Exclusive to government employees. Lowest rate in the Philippines — 8% per annum fixed.
Loan Eligibility Checker
Answer 3 quick questions and we'll show you the best loan options for your exact situation.
Avoiding the 5-6 Loan Trap
5-6 loans — informal moneylenders charging 20% monthly interest — are still widely used across the Philippines. That's 240% APR annually, compared to just 22–36% from SEC-registered digital lenders.
Borrowers have no legal recourse when 5-6 lenders use harassment or illegal collection tactics. Always borrow from SEC-registered apps with BSP oversight.
Check SEC-Registered Apps Instead →What is a ClearLoan Risk Score?
Every app is independently scored on 7 factors. No lender pays to improve their score.
Real APR Check
We calculate the true annual rate including all fees. Apps hiding their real cost score lower.
Hidden Fee Detection
We audit every app's terms. Any fee not shown upfront gets flagged with an amber warning on their card.
SEC Complaint Monitoring
We track complaints filed with SEC Philippines. High complaint volume reduces the safety score.
Maya GLoan vs GCash GLoan — Which is Safer?
Our most popular comparison. Updated rates and risk scores for 2026.
| Factor | Maya GLoan (Score 74) | GCash GLoan (Score 68) |
|---|---|---|
| Real APR | 29.2%✓ Winner | 32.8% |
| Max Loan | ₱125,000Tie | ₱125,000 |
| Approval | InstantTie | Instant |
| Hidden Fees | NoneTie | None |
| SEC Status | RegisteredTie | Registered |
Loan News & SEC Alerts
Latest SEC advisories, rate changes, and app updates — so you always borrow safely.
SEC Revokes Certificate of CashNow PH Inc. for Harassment
The Securities and Exchange Commission has revoked the Certificate of Authority of CashNow PH Inc. following multiple verified complaints of borrower harassment and contact shaming.
View BlacklistBSP Holds Policy Rate at 5.75% — Digital Loan Rates Stable
The Bangko Sentral ng Pilipinas kept its benchmark rate unchanged at 5.75% in its April 2026 meeting. GCash, Maya, and Tonik rates remain at their current levels through Q2 2026.
Compare RatesTonik Bank Raises Max Loan Limit to ₱250,000 for Repeat Borrowers
Tonik Bank has increased its maximum loan amount to ₱250,000 for borrowers with a clean repayment history of at least 2 loans. New borrowers remain capped at ₱50,000.
Read ReviewSEC Warns Public Against FlashLoan PH — Under Investigation
The SEC has issued a public advisory warning against FlashLoan PH Inc., which is currently under investigation for suspected unauthorized contact harvesting and undisclosed fees.
View BlacklistPag-IBIG MPL Interest Rate Remains at 10.5% for 2026
The Home Development Mutual Fund confirmed that the Multi-Purpose Loan interest rate will remain at 10.5% per annum for the full year 2026, making it one of the lowest rates available.
Government LoansNew BSP Rules: All Lenders Must Display APR Before Loan Approval
Starting June 2026, BSP Circular 1198 requires all digital lenders to display the full Annual Percentage Rate on the confirmation screen before a borrower can accept a loan offer.
Read GuidePawnshop or Loan App?
Both options have their place. Here's a clear breakdown to help you decide which is right for your situation.