Cash Mart Loan App Review 2026: SEC Status, Costs, Privacy, and Borrower Risks

Cash Mart is unusual among Philippine loan apps because the biggest question in 2026 is no longer simply, “How much can I borrow?” The more important question is whether the regulatory information displayed on its website and app stores still reflects its current authority to operate.

Cash Mart’s official pages continue to identify Cash Mart Asia Lending Inc. and display SEC Registration No. CS201610084 and Certificate of Authority No. 1849. Those details were historically correct: SEC records from 2024 listed the company under those numbers, and earlier SEC online-lending records linked Cash Mart to the same entity. (Securities and Exchange Commission)

But a later regulatory development materially changes the picture. The SEC’s current lending-company advisory archive contains a May 19, 2025 entry for Cash Mart Asia Lending Inc. Philippine Star subsequently reported that the SEC revoked the corporate registrations and secondary licenses of Cash Mart and several other companies after continued noncompliance with reportorial requirements. (Securities and Exchange Commission)

That conflict – between historical license details still displayed by Cash Mart and the later SEC action – is the central issue borrowers need to resolve before taking a new loan.

Borrower question	Current finding	Why it matters
Who operates Cash Mart?	Cash Mart identifies Cash Mart Asia Lending Inc. as the operator. (Google Play)	The legal entity on your contract should match the entity you verify with regulators.
Was it SEC-authorized?	Yes historically: CS201610084, CA No. 1849. (Securities and Exchange Commission)	Historical authorization does not establish current authority.
What happened in 2025?	The SEC lists a May 19, 2025 action involving Cash Mart; reporting states its corporate registration and secondary license were revoked. (Securities and Exchange Commission)	This should be resolved before a borrower signs a new loan.
How much is advertised?	Official sources conflict: the main website shows ₱3,000 – ₱30,000, while another Cash Mart page shows up to ₱150,000. (Cash Mart)	Do not assume an advertised maximum is your available limit.
What is the processing fee?	Cash Mart’s website states 10% of principal. (Cash Mart)	A deducted fee can materially reduce the cash you actually receive.
How fast is disbursement?	Cash Mart says normally within one working day or 24 working hours after signing; several App Store reviewers reported longer waits. (Cash Mart)	Approval and usable cash are not the same thing.
What permissions does the app request?	Google Play lists location, contacts and camera access. (Google Play)	Philippine regulators impose specific limits on contact-list processing.
Are current terms easy to verify?	No. Amounts, age requirements, tenor and rate disclosures differ among official Cash Mart pages and app listings. (Cash Mart)	The signed disclosure statement matters more than marketing copy.

Is Cash Mart legitimate and properly authorized in the Philippines in 2026?

Cash Mart has a verifiable historical regulatory identity, but borrowers should not treat its old SEC registration and Certificate of Authority numbers as proof of current authorization. The SEC recorded a May 2025 action against Cash Mart Asia Lending Inc., followed by reports that its registration and lending authority were revoked. (Securities and Exchange Commission)

Who legally operates Cash Mart?

The Cash Mart mobile listing identifies the operator as Cash Mart Asia Lending Inc. Google Play currently displays:

• SEC Registration No. CS201610084
• Certificate of Authority No. 1849
• Corporate name Cash Mart Asia Lending Inc. (Google Play)

Those numbers are not invented marketing identifiers. An SEC list dated August 31, 2024 recorded Cash Mart Asia Lending Inc. under CS201610084 and CA No. 1849. Earlier SEC records also associated Cash Mart’s online platform with the same corporation. (Securities and Exchange Commission)

The problem is timing.

What changed after those SEC records?

The SEC’s current advisory archive lists Cash Mart Asia Lending Inc. – 19 May 2025 among lending-company actions. Philippine Star reported in June 2025 that Cash Mart was one of nine companies whose corporate registrations and secondary licenses were revoked. The article states that seven of the nine failed to submit business plans required under SEC Memorandum Circular No. 3, Series of 2022 despite show-cause letters and notices of deficiencies. (Securities and Exchange Commission)

The Credit Information Corporation subsequently said it suspended Cash Mart Asia Lending Inc.’s access to the Credit Information System after SEC licenses and registrations were revoked. (BusinessMirror)

There is another wrinkle. The SEC’s 2026 advisory archive contains a March 18, 2026 notice modifying certain revocation orders dated May 27, 2025 and reinstating respondents that were outside FINLEND’s jurisdiction. Cash Mart’s own entry, however, is dated May 19, 2025. I did not find an SEC notice specifically naming Cash Mart as reinstated. Borrowers therefore should not assume that the March 2026 notice restored Cash Mart’s authority. (Securities and Exchange Commission)

Meanwhile, Google Play shows the Cash Mart app was updated on February 16, 2026 and still displays CA No. 1849. App-store availability by itself is not a substitute for current regulatory authorization. (Google Play)

The practical checkpoint is simple: before submitting sensitive documents or accepting a new loan, verify Cash Mart Asia Lending Inc.’s present status through the SEC, not merely through the license information reproduced inside the app.

Why do Cash Mart’s published loan terms conflict?

Cash Mart’s official channels currently give materially different figures for eligibility, maximum loan amount, tenor and interest. That makes it unsafe to estimate a loan from one webpage alone. Borrowers should rely on a current, individualized disclosure statement and loan agreement before accepting an offer.

Here is what the public information currently shows:

Source	Eligibility / amount	Term	Published cost information
Cash Mart main website	₱3,000 – ₱30,000	Weekly, bi-weekly or every 28 days	10% processing fee; 0.0571% daily rate shown. (Cash Mart)
Cash Mart FAQ	FAQ eligibility information includes ages 21 – 50; loan information reaches ₱150,000	Depends on approved schedule	States 0.06% – 1% per day depending on term. (Cash Mart)
Cash Mart campaign page	₱3,000 – ₱150,000	14 days to 5 months	10% processing fee; 0.0571% – 0.64% per day displayed. (Cash Mart)
Google Play / App Store	Ages 20 – 50; maximum ₱30,000	84 – 140 days	Maximum APR 20.86%; also displays “Interest Rate: 0.80%” and a ₱10,000 example costing ₱480. (Google Play)
Cash Mart terms/privacy page	Says the site is intended for individuals at least 18	Not a specific loan quote	Contains broader contractual and privacy provisions. (Cash Mart)

These are not trivial differences. An age threshold of 18, 20 or 21 affects eligibility. A ₱30,000 ceiling versus ₱150,000 is a fivefold difference. A loan lasting 84 – 140 days is not the same structure as a weekly loan or a 14-day loan.

There is even an internal licensing inconsistency on Cash Mart’s own site. Its campaign page displays Certificate of Authority No. 1846 in the footer, while SEC historical records, Google Play and the App Store identify 1849. The SEC record supports 1849. (Cash Mart)

Another sign of stale content appears on the main website, which still refers to a loan contract “valid till December 31 2020.” That does not necessarily mean every current offer uses outdated terms, but it makes the website unsuitable as the sole basis for a 2026 borrowing decision. (Cash Mart)

What does a Cash Mart loan really cost?

The clearest Cash Mart website example shows a ₱10,000 loan repaid through five ₱2,224 bi-weekly installments, or ₱11,120 in total. The same page separately states a 10% processing fee, but it does not clearly reconcile how that fee affects the example’s net proceeds. (Cash Mart)

The ₱10,000 example exposes the importance of net proceeds

Cash Mart’s campaign page gives this published illustration:

• Principal: ₱10,000
• Daily interest rate: 0.16%
• Five bi-weekly payments
• Payment: ₱2,224 every 14 days
• Total scheduled repayment: ₱11,120
• Processing fee elsewhere on the same page: 10% of principal (Cash Mart)

From the payment schedule alone, the amount repaid above principal is:

₱11,120 − ₱10,000 = ₱1,120

But a 10% processing fee on ₱10,000 equals another ₱1,000.

The public page does not clearly say whether that ₱1,000 is deducted before disbursement, charged separately, incorporated in the payments, or treated differently in this particular example. That missing detail changes the economics substantially.

If the fee were deducted upfront purely as an illustration, the borrower would receive:

₱10,000 − ₱1,000 = ₱9,000 net cash

while repaying ₱11,120.

The effective peso cost relative to money actually received would then be:

₱11,120 − ₱9,000 = ₱2,120

or about 23.6% of the ₱9,000 net proceeds over the roughly 70-day five-payment schedule.

On a cash-flow basis, ₱9,000 received followed by five ₱2,224 payments at 14-day intervals produces an effective rate of about 7.49% per 14 days, equivalent to roughly 16.7% per 30 days when compounded.

That calculation is not a finding that Cash Mart currently charges those exact terms or violates a legal ceiling. It depends on the unverified assumption that the stated 10% processing fee is deducted upfront from the same example. It illustrates why borrowers need the actual disclosure statement rather than combining marketing figures themselves.

What interest-rate caps apply in 2026?

SEC Memorandum Circular No. 14, Series of 2025 took effect on April 1, 2026 for a defined category of loans: unsecured, general-purpose loans of not more than ₱10,000 with a tenor of up to four months, including loans entered into, renewed or restructured from that date. (RegAlert)

For loans within that scope, the rules provide:

• nominal interest ceiling of 6% per month;
• effective interest rate ceiling of 12% per month, including applicable processing, service, origination and similar charges;
• late-payment or non-payment penalty capped at 5% per month on the outstanding scheduled amount due; and
• a total-cost ceiling of 100% of the amount borrowed. (RegAlert)

Those limits should not be described as a universal ceiling for every Philippine loan. The circular’s amount and tenor conditions matter.

For a Cash Mart offer of ₱10,000 or less and four months or shorter, ask for the current effective interest rate, not just a daily interest figure. If a processing fee is withheld before you receive the money, that fee may materially affect the effective borrowing cost.

How fast are Cash Mart approval and disbursement?

Cash Mart says funds can be transferred within one working day after the contract is signed, and another official page says approved disbursement is usually processed within 24 working hours. Recent App Store reviews, however, include reports of applications or approved disbursements taking several days or more than a week. (Cash Mart)

The wording matters. Cash Mart’s “three-minute” digital application claim is about filling in an application, not guaranteed approval or receipt of funds. The FAQ says processing can depend on completing all information, providing active contact details, answering a verification call, submitting clear IDs and supporting documents, and making the character reference aware of a possible verification call. (Cash Mart)

Recent App Store feedback shows why emergency borrowers should not build a same-day budget around the marketing claim. One May 2025 reviewer said an approved loan was delayed after being attributed to a system issue. Another reviewer dated June 16, 2025 said funds had still not arrived 11 days after the claimed approval date. A more recent displayed review complained of an application remaining pending for more than a week and of confusion over acceptable proof-of-billing and bank-account screenshots. These are individual accounts, not verified statistics, but they show that the published turnaround should be treated as a target rather than a guarantee. (App Store)

Cash Mart also publishes positive reviews describing faster processing, so the available feedback is mixed. The safest operational assumption is that document review, verification and disbursement can take longer than the fastest advertised scenario. (App Store)

What documents and verification can Cash Mart request?

Cash Mart publicly describes an application process involving government-issued identification, income or employment information, proof of billing and verification calls. Requirements can vary by applicant type, and the FAQ indicates that supporting documents and character-reference verification may affect processing speed. (Cash Mart)

The FAQ lists documents such as company ID, a recent payslip and various government IDs. Cash Mart’s privacy policy goes further, stating that it may process employment information, bank-account information, financial and transaction history, photographs and government-ID details. (Cash Mart)

The lender does not publicly disclose a complete proprietary scoring formula. A borrower should therefore avoid interpreting document submission as a guarantee of approval. The App Store itself describes the sequence as application, evaluation, then disbursement if approved. (App Store)

How does repayment work, and what happens if you pay Cash Mart late?

Cash Mart says repayment schedules appear in the app, disclosure statement and email, with a payment reference number available through the app. I could not verify a current Cash Mart-specific late-fee amount from its public pages, so borrowers should inspect the signed contract before accepting the loan. (Cash Mart)

Cash Mart instructs borrowers to open My Loan → Pay Now in the mobile app and says the repayment schedule is included in the disclosure statement and emailed after disbursement. (Cash Mart)

The lack of a clearly published current late-fee schedule matters because the amount due after a missed payment cannot safely be inferred from the advertised interest rate.

For covered short-term loans of ₱10,000 or less, the current SEC rule caps late or non-payment penalties at 5% per month of the outstanding scheduled amount due. Loans outside the circular’s defined scope require separate analysis of the applicable contract and law. (RegAlert)

One October 2024 App Store reviewer alleged that payment reminders continued after the borrower had paid and supplied proof. That is an anecdotal report, not proof of a systematic payment-posting problem, but it reinforces a sensible practice: keep your receipt, transaction reference, screenshots and the lender’s acknowledgement until the account is formally shown as settled. (App Store)

Can collection agents contact everyone in your phone?

No. The joint DICT-NPC-SEC advisory issued on March 18, 2026 states that contacting people from a borrower’s contact list other than named guarantors is prohibited for debt collection. It also distinguishes a character reference, used for identification or verification, from a guarantor who has expressly consented to that obligation.

The advisory also prohibits unauthorized, excessive or disproportionate processing of contact-list information and processing that results in harassment, public shaming, threats or other unfair collection practices.

That distinction is especially relevant to Cash Mart because its Google Play listing says the app requests contacts access “to easily nominate your contact references.” Permission to select a reference does not mean every contact becomes a guarantor or lawful debt-collection target. (Google Play)

Can a Cash Mart delinquency affect credit records?

Cash Mart’s privacy terms refer to the Credit Information Corporation and other credit-related service providers. Historically, this would have been relevant to credit checking and reporting. (Cash Mart)

However, the Credit Information Corporation said in June 2025 that it suspended Cash Mart Asia Lending Inc.’s access to the Credit Information System following the SEC revocation action. I did not find a later public notice confirming restoration of that access. It would therefore be misleading to state that Cash Mart currently has the same CIC access it previously had. (BusinessMirror)

What personal data does the Cash Mart app collect?

Cash Mart’s privacy disclosures cover substantial personal and financial information, while Google Play says the app may collect personal information, financial information and device identifiers. The app requests location, contacts and camera permissions, which borrowers should review against the purpose stated for each permission. (Cash Mart)

Cash Mart’s own privacy policy says it may collect or process information including:

• full name, addresses, contact details and date of birth;
• employment information;
• bank-account, credit-card or other financial-account information;
• financial and transaction history;
• photographs and government-issued ID details;
• information from employers, service providers and credit-related third parties; and
• data used for profiling and credit scoring. (Cash Mart)

The policy also states that information may be disclosed, where applicable, to affiliates, agents including collection agencies, subcontractors, payment or remittance providers, credit and background-check providers, government agencies and, in some circumstances, a purchaser of a delinquent loan. These are statements about Cash Mart’s contractual privacy framework; they do not establish that every category is shared in every borrower’s case. (Cash Mart)

Google Play separately reports that the app may share financial information with third parties, may collect personal and financial information plus device identifiers, encrypts data in transit, and allows users to request deletion. These data-safety statements are supplied by the developer rather than an independent audit by Google. (Google Play)

Are contacts, camera and location permissions automatically improper?

No. The 2026 joint government advisory allows permissions where they serve a specified and legitimate purpose but prohibits unnecessary or excessive processing. It says contact-list access may be used to let a user select character references or guarantors, while unrestrained processing of the entire list is prohibited. It also says permissions should be switched off or revoked after their purpose has been fulfilled.

Cash Mart says location permission is used to identify nearby payment channels, contacts access is for selecting references, and the camera is used for ID scanning and facial-recognition-based verification. (Google Play)

Borrowers should compare what the phone actually requests with those stated purposes. A permission that seems broader than necessary deserves scrutiny before consent is given.

What are borrowers saying about Cash Mart?

Public App Store feedback is mixed. The Philippine listing currently shows a 3.3/5 rating from 333 ratings. Recent reviews include praise for responsive customer service, but several reviewers describe processing delays, strict documentation requirements, unclear application progress or delayed disbursement. (App Store)

The most useful pattern is not whether a particular reviewer gave one or five stars. It is where several accounts overlap.

Processing and disbursement friction: Multiple displayed reviews describe waits extending beyond the quickest published processing expectations. A June 2025 reviewer claimed an approved disbursement remained outstanding for 11 days, while another recent review described an application pending for more than a week. (App Store)

Documentation friction: Reviewers mention detailed requirements around proof of billing, bank-account screenshots and updated payslips. Cash Mart’s own FAQ confirms that supporting-document clarity and verification are part of the process. (App Store)

Customer-service feedback is mixed rather than uniformly negative: One April 2025 reviewer described the support team as professional and responsive despite slower processing. Another February 2025 reviewer similarly said customer service was fast and professional but complained about waiting nearly a week before rejection. (App Store)

Payment-posting concern: An October 2024 reviewer alleged continued collection reminders after payment. One report cannot establish a company-wide practice, but borrowers have a clear reason to retain repayment evidence. (App Store)

These reviews should be treated as anecdotal evidence. They help identify issues worth checking but cannot prove how frequently those problems occur.

What are the main advantages and disadvantages of Cash Mart?

Cash Mart provides identifiable company details, documented payment processes and relatively detailed privacy disclosures. Those positives are outweighed by major issues a borrower must resolve first: the 2025 SEC revocation record, inconsistent public loan terms, and uncertainty over which published disclosures represent the current 2026 product.

Potential advantage	Important limitation
The operator can be traced to a named Philippine company with historical SEC records. (Securities and Exchange Commission)	Historical registration does not resolve the later SEC revocation action. (Securities and Exchange Commission)
Cash Mart explains repayment scheduling and gives borrowers access to payment information through the app. (Cash Mart)	Public pages do not clearly disclose a current, universal late-fee schedule.
The privacy policy identifies many categories of information and data-sharing purposes. (Cash Mart)	The scope of financial, identity and app-permission data deserves careful review before consent.
App stores publish a concrete ₱10,000 repayment example. (Google Play)	That example does not reconcile cleanly with the separate 10% processing fee shown on Cash Mart’s website. (Cash Mart)
Multiple repayment and digital servicing features are advertised.	Several borrower reviews report slower processing or disbursement than expected. (App Store)
The app continues to receive technical updates. (Google Play)	An updated app-store listing is not evidence that regulatory authority has been restored.

Who should be especially cautious about using Cash Mart?

The first condition is regulatory verification. A borrower should not proceed with a new Cash Mart loan merely because an old SEC number appears in the app. After that, suitability depends on exact net proceeds, total repayment, repayment timing, fees and the borrower’s ability to repay without refinancing.

Cash Mart deserves extra caution if you need the money on a guaranteed same-day timetable, because its own promise is conditional and borrower reports show that some applications and disbursements took longer.

It also warrants extra scrutiny when the approved amount and the cash actually credited are different. A 10% processing fee can materially change the economic cost if it is withheld upfront.

A borrower with unstable income should pay particular attention to bi-weekly repayment dates. A loan can appear affordable when viewed as a total balance but create cash-flow stress if the installments fall between salary dates.

Most importantly, borrowing to repay another short-term loan can turn a temporary cash shortage into repeated refinancing. The relevant question is not only whether Cash Mart approves the application, but whether the entire repayment schedule can be met from expected income without taking another loan.

What should you verify before accepting a Cash Mart loan?

Before signing, verify the operator’s current SEC authority and then reconcile the contract line by line. Do not accept a loan based solely on the amount displayed as “approved”; the decision should be based on money actually received versus every peso you are contractually required to repay.

1. Verify current SEC status. Search for Cash Mart Asia Lending Inc., not just the brand name, and confirm whether its Certificate of Authority is currently active following the 2025 action.
2. Check the lender named in the contract. It should be clear which legal entity is extending the credit.
3. Separate approved principal from net proceeds. Ask exactly how much will arrive in your bank or e-wallet.
4. Identify every deduction. Confirm processing, service, transfer, insurance or other charges and whether they are deducted upfront.
5. Read the EIR and total repayment. For loans covered by SEC MC No. 14, Series of 2025, compare the disclosure with the applicable 2026 limits. (RegAlert)
6. Write down each due date and amount. Check whether the payment frequency fits your actual salary schedule.
7. Find the late-charge formula before signing. Do not wait until a missed payment to learn how penalties are calculated.
8. Review app permissions. A character reference is not automatically a guarantor, and contact-list access is subject to data-protection restrictions.
9. Save the disclosure statement, contract and payment receipts. They are more useful in a dispute than screenshots of advertising claims.
10. Know the complaint route. The March 2026 government advisory directs unfair debt-collection complaints to the SEC FINLEND complaint channel and also lists cybercrime channels for threats, fraud and related misconduct.

Cash Mart FAQ

Is Cash Mart still on Google Play in 2026?

Yes. Google Play currently lists Cash Mart under Cash Mart Asia Lending Inc., shows more than 100,000 downloads, and states that the Android app was updated on February 16, 2026. Its presence in an app store should not be interpreted as confirmation of current SEC authority. (Google Play)

What is the maximum Cash Mart loan amount?

There is no single reliable public figure across Cash Mart’s current pages. Google Play and the main website show a maximum of ₱30,000, while the campaign page advertises up to ₱150,000. Your actual contractual offer is what matters. (Google Play)

Can I request deletion of my Cash Mart data?

Google Play says users can request deletion, while Cash Mart’s privacy policy recognizes rights including access, correction, objection, erasure and blocking. The policy also says some information may be retained for legal claims, regulatory requirements or legitimate business purposes, so deletion may not necessarily mean immediate erasure of every record. (Google Play)

What should I do if a payment is not reflected?

Keep the official receipt and transaction/reference number, take screenshots of the account status, and contact Cash Mart through its documented support channels promptly. If the issue becomes a collection dispute, preserve all messages and payment evidence. The SEC’s FINLEND complaint channel is identified in the March 2026 government advisory.

Is Cash Mart a BSP-regulated digital bank?

Cash Mart is presented as a lending company, not a digital bank. Its historical regulatory records are with the Securities and Exchange Commission as a lending company holding a Certificate of Authority. That status should not be confused with a BSP digital-bank license. (Securities and Exchange Commission)

The decision framework for a Cash Mart borrower in 2026

The first question is not whether the application looks convenient or whether the app remains downloadable. It is whether Cash Mart Asia Lending Inc. currently has the authority required to offer the loan being presented to you.

The historical record is clear: the company previously held SEC Registration No. CS201610084 and Certificate of Authority No. 1849. The later record is also important: the SEC lists a May 19, 2025 action involving Cash Mart, and reporting on the regulator’s action states that its corporate registration and secondary lending license were revoked. I found no later SEC publication specifically confirming reinstatement of Cash Mart as of September 18, 2026. (Securities and Exchange Commission)

Until that point is independently resolved, old license numbers in an app store should not carry the decision.

If current authority is verified, the next test is arithmetic. Compare cash received, not merely principal approved, against total pesos repaid. Confirm whether the advertised 10% processing fee is deducted, added, or otherwise incorporated. Check every repayment date, late-payment provision and data permission.

A loan should also have a clear repayment source that does not depend on another loan. If the documents, costs, regulatory identity or disbursement timetable remain unclear before signing, stopping the application and comparing other regulated credit options is a reasonable consumer-protection decision.

References

1. SEC Advisories and Notices
   Organization: Securities and Exchange Commission Philippines
   Resource: Advisories and Notices Covering Lending Companies and Financing Companies
   URL: https://www.sec.gov.ph/lending-companies-and-financing-companies-2/advisories-and-notices/
2. SEC Registered Lending Companies List
   Organization: Securities and Exchange Commission Philippines
   Resource: List of Registered Lending Companies as of 31 August 2024
   URL: SEC list of registered lending companies
3. SEC Online Lending Platform List
   Organization: Securities and Exchange Commission Philippines
   Resource: List of Financing and Lending Companies Registered with the SEC and their Online Lending Platforms
   URL: SEC online lending platform list
4. Cash Mart Official Website
   Organization: Cash Mart
   Resource: Fast Cash Loans Philippines, Best Online Loans
   URL: https://cashmart.ph/
5. Cash Mart FAQ
   Organization: Cash Mart
   Resource: Frequently Asked Questions
   URL: https://cashmart.ph/faq/
6. Cash Mart Campaign Loan Disclosure Page
   Organization: Cash Mart
   Resource: Campaign Landing Google
   URL: https://cashmart.ph/campaign-landing-google/
7. Cash Mart Terms of Service and Privacy Policy
   Organization: Cash Mart
   Resource: Terms of Service and Privacy Policy
   URL: https://cashmart.ph/privacy-policy/
8. Cash Mart Google Play Listing
   Organization: Google Play / Cash Mart Asia Lending Inc.
   Resource: Cash Mart Android App Listing
   URL: Cash Mart on Google Play
9. Cash Mart Philippines App Store Listing and Reviews
   Organization: Apple App Store / Cashmart
   Resource: Cash Mart Philippines – Ratings & Reviews
   URL: Cash Mart Philippines on the App Store
10. Public Advisory on Online Lending Platforms
    Organization: Department of Information and Communications Technology, National Privacy Commission, Securities and Exchange Commission
    Resource: Advisory on Online Lending Platforms, 18 March 2026
    URL: 2026 Joint Advisory on Online Lending Platforms
11. SEC Interest-Rate Ceiling Coverage
    Organization: Securities and Exchange Commission; reproduced by RegAlert
    Resource: SEC Memorandum Circular No. 14, Series of 2025 – Recalibrated Ceilings on Interest Rates and Fees
    URL: SEC Memorandum Circular No. 14, Series of 2025 reproduction
12. SEC Lowers Interest Rate Caps for Loans Up to ₱10,000
    Organization: GMA Integrated News
    Resource: Report on SEC Memorandum Circular No. 14, Series of 2025
    URL: GMA News report on the 2026 lending-rate ceilings
13. SEC Cancels Licenses of More Lending, Financing Companies
    Organization: The Philippine Star
    Resource: June 3, 2025 report on SEC revocation actions
    URL: Philippine Star report on lending-company revocations
14. Online Lenders Blocked from Credit Information System
    Organization: BusinessMirror
    Resource: June 16, 2025 report on CIC access suspensions
    URL: BusinessMirror report on CIC suspensions

Disclaimer:This article contains affiliate links. We may earn a small commission if you apply for a loan through our links, at no extra cost to you. The information provided is for educational purposes only and does not constitute professional financial advice. Please borrow responsibly.

Last Updated on September 18, 2026 by Elena Reyes