Every "best loan apps" list in the Philippines runs to twenty names. Ours runs to seven, because we only include an app when three things line up: the company holds a Certificate of Authority on the SEC register, the numbers on its own website match that register, and we can confirm which website is actually theirs. Here is what passed, checked on 17 September 2026.
The seven
| App | Company | SEC · CoA | Amount | Term | Published rate |
|---|---|---|---|---|---|
| Cashalo | Paloo Financing Inc. | CS201800209 · 1162 | ₱1,000–25,000 | 61–180 days | Up to 36% a year |
| JuanHand | WeFund Lending Corp. | CS201825672 · 2844 | ₱2,000–50,000 | 91–180 days | Up to 30% a year, plus about 10% service fee |
| MoneyCat | MoneyCat Financing Inc. | CS201953073 · 1254 | ₱500–20,000 | 65–180 days | Up to 11.9% a month; first loan 0% |
| Salmon Credit Line | Salmon Finance, Inc. | CS201916698 · 1241 | Set in app | Repay within 62 days | 0% if repaid in full within 62 days |
| Mocasa Quick Loan | Philippine Cashtrout Lending Corp. | CS201910407 · 3015 | Up to ₱50,000 | 30–90 days | From 0.2% a day (maximum not published) |
| Tala | Tala Financing Philippines, Inc. | CS201710582 · 1132 | Up to ₱25,000 | Up to 61 days | Not published; shown in app |
| CashExpress | Cash-Express Philippines Financing Inc. | CS201951088 · 1309 | ₱1,000–50,000 | 180–365 days | Up to 1.99% a day, plus ₱1,000 issuance fee |
What the rates mean side by side
The cheapest and the most expensive app on this list are both licensed. Licensed does not mean cheap. On a ₱10,000 loan over about two months, Cashalo's published maximum comes to roughly ₱600 in interest, while CashExpress's published maximum over its shortest 180-day term comes to more than ₱35,000. That is the whole reason to compare before you tap "apply".
Names we checked and left off
- Digido and UnaCash: the SEC revoked the licence, affirmed February 2026. Full story.
- CashMart: has an SEC registration, CS201610084, but we could not confirm a Certificate of Authority.
- Finbro: claims an SEC registration, but its website returned an empty page, so we could not confirm which site is genuinely theirs.
- Pera247: SEC CS201734339, CoA 2582, but the domain pera247.com is not theirs and we found no official site.
- Kviku, FINN, Mocamoca: their sites blocked or failed our checks, so nothing could be verified.
None of these is necessarily a scam. They simply did not pass a check you should be able to run yourself, and until they do, they are not on the page.
Before you apply to any of them
- Match the company name and Certificate of Authority number in the app listing against the SEC list, not the app's marketing.
- Read the total to repay, not the monthly figure alone.
- If the loan is ₱10,000 or less over four months or less, the effective rate on your Disclosure Statement cannot lawfully exceed 12% a month. The cap, explained.