Online Lending (Multiple Apps)

Not BSP supervisedSEC Registered

Catch-all category for SEC-registered online lending platforms (OLPs) in the Philippines. Includes apps flagged by SEC PH for unauthorized contact-list access, collector harassment, and APR violations.

https://www.sec.gov.ph ↗

₱0

in damages claimed against Online Lending (Multiple Apps) in the last 30 days

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Complaints

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Calculate Your Damages

Enter your figures. The calculator produces a printable Exhibit A worksheet for small claims / BSP filings. Caps apply without evidence upload toggle.

Disclaimer: These are estimated damages for filing purposes. Actual award is at court or regulator discretion. Emotional distress of ₱25,000/incident is a reference figure from PH jurisprudence, not a guaranteed amount. BSP penalties cite BSP Circular 1160 (2022). Lost wages at DOLE NCR minimum wage ₱645/day (DO 241-24, effective Nov 4 2024).

Your information (for PDF only)

Full name

Incident date

Address

Damages

Principal amount lost (₱) — the core disputed amount

Interest already paid (₱) — informational only, not included in damages claim

Lost wages — days unable to work due to this dispute

days × ₱645/day (DOLE NCR 2025) = ₱0.00

Medical expenses (₱) — capped at ₱100k without receipts

I have official receipts / OR (raises cap to ₱500k)

Emotional distress — qualifying incidents (₱25,000/incident, court discretion)

incidents × ₱25,000 = ₱0.00

Filing fee (small claims, A.M. No. 08-8-7-SC)₱1,000.00

Your damages estimate

₱1,000.00

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Sources: DOLE NCR Wage Order (DO 241-24, effective Nov 4 2024) · BSP Circular 1160 (2022) · A.M. No. 08-8-7-SC Revised Rules on Small Claims (2016). Caps of ₱500k per line without evidence are conservative guardrails — not legal advice.

Worker Witness Reports

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Witness Wall

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First-person testimonies from Online Lending (Multiple Apps) customers — anonymized, PII-redacted, consent-flagged. Self-reported unless cited to public record.

Read the Witness Wall →Add your testimony

Documented Issue Types

Contact-List Access / Debt Shaming

Lending app accessed phone contacts without consent and used them to shame or pressure the borrower — calling family, friends, or employers about the debt.

Online Lending (Multiple Apps) × Contact-List Access / Debt Shaming

Excessive / Undisclosed APR (Online Lending)

Effective annual percentage rate — including processing fees, insurance, and other charges — far exceeds what was advertised or the BSP Circular 1133 cap.

Online Lending (Multiple Apps) × Excessive / Undisclosed APR (Online Lending)

Abusive or Threatening Loan Collection

Collector used threats, profanity, public humiliation, or called outside permitted hours. Prohibited under SEC Memorandum Circular 18 and BSP Circular 1048.

Online Lending (Multiple Apps) × Abusive or Threatening Loan Collection

Accountability Ledger

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Public officers, directors, and attorneys of record — all cited to SEC PH filings, court records, and public documents. No editorial; facts only.

View Accountability Ledger for Online Lending (Multiple Apps) →

Public Record (6 entries)

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Court decisions, regulator orders (BSP, SEC, NPC, BIR), and major news-documented incidents involving Online Lending (Multiple Apps). Every entry cites a primary source.

SEC issues cease-and-desist orders against seven unregistered online lending platforms
2025-08-15 · sec · adverse
Al Jazeera and GMA News document Filipino borrower harassment by online lending apps
2024-09-09 · news · adverse
NPC Decision NPC SS-21-008 — In re Populus Lending Corporation (Pesopop)
2023-09-26 · npc · NPC SS-21-008 · adverse

View Public Record for Online Lending (Multiple Apps) →

User Reviews & Complaints

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1-2 star Play Store reviews for Online Lending (Multiple Apps), categorized by issue (contact-list shaming, hidden fees, abusive collection, etc.). Refreshed weekly.

View User Reviews for Online Lending (Multiple Apps) →

App Permissions

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Declared Android app permissions for Online Lending (Multiple Apps), reviewed against SEC Memorandum Circular 18 (2019) which prohibits PH lending apps from accessing contacts, SMS, or call logs.

View App Permissions for Online Lending (Multiple Apps) →

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Frequently asked questions about Online Lending (Multiple Apps)

Is online lending legal in the Philippines?

Yes, when conducted by SEC-registered financing or lending companies under RA 9474 and RA 8556 with a Certificate of Authority. SEC MC 19 (2019) requires every online lending platform to be disclosed in the company's SEC filings.

Source:SEC Memorandum Circular 19, s. 2019
Source:SEC PH — File a Complaint

What is the maximum interest rate for online loans?

BSP Circular 1133 (2021), extended by Circular 1165 (2023), caps consumer-loan effective interest at 6% per month nominal (24% per annum) and total cost at 15% per month for short-term, low-value loans.

Source:BSP Circular 1133 (2021)
Source:BSP Circular 1165 (2023)

Can a lending app legally access my contacts?

No. SEC MC 18 (2019) prohibits SEC-registered lenders from accessing phone contacts; RA 10173 separately bars processing of personal data without explicit consent. Both administrative and criminal sanctions apply.

Source:SEC Memorandum Circular 18, s. 2019
Source:RA 10173 — Data Privacy Act

How do I check if a lending app is SEC-registered?

Search the SEC's published list of lending and financing companies at sec.gov.ph and the SEC Express System. SEC also publishes its cease-and-desist orders against unregistered or violating apps.

Source:SEC PH — File a Complaint
Source:SEC published cease-and-desist orders

Saan ako magrereklamo sa online lending harassment?

Mag-file nang sabay sa SEC EIPD (cgfd@sec.gov.ph) at sa NPC sa privacy.gov.ph. Ang dalawang ahensya ay maaaring mag-suspend ng Certificate of Authority at mag-utos ng data deletion.

Source:SEC PH — File a Complaint
Source:NPC complaint portal

What if the app's APR isn't clearly disclosed?

RA 3765 (Truth in Lending Act) requires written disclosure of the effective APR before signing. SEC MC 3 (2022) further requires online lending platforms to display effective interest rate prominently in the app.

Source:RA 3765 — Truth in Lending Act
Source:SEC Memorandum Circular 3, s. 2022

Has the SEC revoked any online lending licenses?

Yes. The SEC's Enforcement and Investor Protection Department has revoked the Certificates of Authority of multiple online lending platforms since 2019; the published CDO list documents each case.

Source:SEC published cease-and-desist orders
Source:SEC EIPD

How long does an SEC complaint take?

SEC EIPD typically issues show-cause orders within 30–60 days of a complete complaint. Cease-and-desist orders against egregious violators have issued in as little as 14 days.

Source:SEC EIPD

Can I be jailed for not paying an online loan?

No. Non-payment of debt is not a crime in the Philippines (1987 Constitution Art. III §20). Estafa under RPC Art. 315 requires deceit at the time of the loan, not mere default.

Source:Revised Penal Code Art. 315 — Estafa

Pwede bang i-block ng SEC ang lending app?

Oo. Ang SEC ay nakikipag-ugnayan sa Google Play Store at App Store para tanggalin ang mga lending apps na may CDO. Ang DICT at NTC ay maaari ring mag-block ng mga websites kung utos ng SEC.