Online loan comparison · Philippines
TEKCASH is a free comparison platform that places SEC-checked, secure online loan apps in the Philippines side by side, so borrowers can weigh loan amounts, requirements and an estimated cost before opening a single app.
How much cash do you need?
Estimate for planning only. Final terms depend on the lender you choose.
A shortlist of the secure loan apps TEKCASH readers check most often, refreshed whenever an offer changes.
Only apps that disclose their rates clearly and hold the right registration to operate in the Philippines make it onto this page.
Each listing is checked against the SEC's public register before it goes live on TEKCASH.
Estimated interest and fees are visible before you ever click through to a lender.
Browsing and comparing every listing on TEKCASH costs nothing, no matter how many you check.
A number of partner apps can release an approved amount the same day.
Some partners weigh current cash flow more heavily than a formal credit score.
Every partner application can be finished on a phone in a few minutes.
Independent guides on registration, rates, complaints, support and how to use the app. See all Tekcash guides.
SEC number, Certificate of Authority and how to verify it.
Your rights, evidence checklist and where to complain.
What borrowers praise, what they complain about.
APR, service fee and a worked repayment example.
What new borrowers can get and how limits grow.
Hotline, email, live chat and support hours.
Official Android and iOS links, latest version.
Step-by-step walkthrough of the application.
Age, ID and income you need to apply.
Repayment steps and what to do if payment is not posted.
What you can do before and after disbursement.
SEC, NPC and PNP reporting channels.
Close your account and request data deletion.
Most partner apps follow a similar sequence, so you know roughly what lies ahead.
Move the slider to the amount you need and preview an estimated cost.
Weigh requirements and approval speed against each other before choosing.
Finish a short application directly on the partner app's own platform.
Approved funds go straight to your linked bank account or e-wallet.
Exact requirements sit with each lender, but almost every application asks for the items below.
Repayment channels differ from one app to the next; these are the ones borrowers use most.
Many partner apps let you settle a balance directly from a GCash or Maya wallet.
Pay through internet banking or a direct deposit into the account the app gives you.
Some apps also accept payment at partner counters such as 7-Eleven, Bayad Center or pawnshops.
A handful of apps can pull the due amount automatically from a linked account.
Confirm the accepted channels and any processing charge with your chosen lender before the due date.
Mga puna mula sa mga borrower na nag-compare muna sa TEKCASH bago mag-apply.
Sobrang laking tulong na nakita ko agad yung mga app na SEC-registered, hindi na ako basta-basta nag-download.
Nag-slide lang ako para makita agad kung magkano ang estimate bago pa man mag-apply sa kahit saang app. Sulit oras.
Malinaw ang lahat, walang tagong bagay. Six apps lang pero tama-tama na para mapili.
Okay naman, gusto ko lang sana mas madami pang app na options pero maayos naman yung comparison.
Libre lang pala mag-compare dito, hindi ako pinilit sa isang app lang. Mabilis din ma-load sa cellphone ko.
Una kong beses mag-apply online, kaya natakot ako sa scam. Nakatulong yung FAQ tungkol sa pag-verify ng SEC registration.
Search the exact company name on the SEC's public list of registered lending and financing companies, since every legal lender in the Philippines must hold a Certificate of Authority separate from its ordinary SEC registration.
Harassment or debt-shaming reports go to the SEC's Enforcement and Investor Protection Department, and a related privacy complaint can be filed with the National Privacy Commission if a phone's contact list was accessed without permission.
A borrower can lodge a written complaint with the SEC together with a valid ID and supporting evidence, such as chat logs or screenshots, through the commission's official complaint-handling channel for lending companies.
The lender applies the late fee and penalty rate stated in the original loan agreement and keeps attempting to collect the balance, though a licensed lender is barred from threatening, shaming or contacting people in a borrower's phone book.
A legit lender discloses its SEC registration number, a real office address and a full breakdown of interest and fees before any money is exchanged, and it never asks for an online banking password or full contact-list access.
Overdue penalty rates differ from one lender to the next and are spelled out in the disclosure statement handed over before signing, so that document is the accurate source rather than any single rate applied across every app.
Only install a loan app from the official Google Play Store or Apple App Store, then confirm the listed developer name matches an entry on the SEC's public lending register before granting it any permissions.
Most apps charge a daily or monthly percentage of the outstanding balance, and the exact formula plus any added service fee should appear in the disclosure statement provided before the loan offer is accepted.
