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What borrowers are checking this week
- 17 SEC-Licensed Quick Cash Loan Apps in the Philippines, Verified September 2026
- 2What Is DTI? The Ratio Lenders Check Before They Check Anything Else
- 3Digido's Licence Was Revoked in 2026. Here's Exactly What Happened.
- 4What Is a Disclosure Statement, and Why It's the Only Document That Matters
Quick check
One question a day. Come back tomorrow for another.
Q. An app says it is "SEC-registered". Is that enough for it to lend legally?
Right: registration only proves the company exists. Lending needs a Certificate of Authority, which the SEC can revoke. Read why it matters →
New here? Start with the basics
The words every lender uses, explained once
What Is a Disclosure Statement, and Why It's the Only Document That Matters
Every lender in the Philippines is legally required to give you this one document before you sign.
What Is DTI? The Ratio Lenders Check Before They Check Anything Else
Before a lender looks at your credit score, it looks at this one ratio.
What Is Amortization? How Your Monthly Payment Actually Breaks Down
Your monthly payment looks like one number, but it's actually two: principal and interest, and the split between them changes every month you pay.
Series
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Loan basics
The terms every lender uses, explained once, in plain pesos.
4 articles
Licence Watch
Which lenders lost their licence, which never had one, and how to check for yourself.
2 articles
Verified lists
Only lenders that passed the SEC and BSP check, updated as the registers change.
1 article
Scam alerts
Copycat apps and the tells that give them away. Good to know, not the main event.
1 articleJust published
Newest first
What Is a CIC Report, and How Do You Check Yours?
2026-09-18What Is Amortization? How Your Monthly Payment Actually Breaks Down
2026-09-18What Is DTI? The Ratio Lenders Check Before They Check Anything Else
2026-09-18What Is a Disclosure Statement, and Why It's the Only Document That Matters
2026-09-18
Add-On Rate vs. Effective Interest Rate: The Math Banks Don't Explain
2026-09-187 SEC-Licensed Quick Cash Loan Apps in the Philippines, Verified September 2026
2026-09-18
The New ₱10,000 Loan Interest Cap: What Changed on 1 April 2026
2026-09-18
SEC-Registered vs. SEC-Licensed: The One-Word Difference That Can Cost You
2026-09-18The Fake Tala Apps the SEC Has Warned About, and How to Spot the Real One
2026-09-18Digido's Licence Was Revoked in 2026. Here's Exactly What Happened.
2026-09-18Ready to compare?
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