SAVii Loan Review 2026: Is It Legit, What Does It Cost, and What Should Employees Check?

SAVii Loan Review 2026: Is It Legit, What Does It Cost, and What Should Employees Check?

A salary-linked loan can look easier to manage than a typical online loan because repayment comes directly from payroll. That convenience, however, can hide the question that matters most: how much of every payday will actually disappear, for how long, and how much cash will you receive after fees?

SAVii is particularly important to examine this way. Its current website markets salary-linked credit to employees of partner companies, with rates starting at 0.5% per month and repayment terms extending as long as 60 months. Its app-store disclosure also shows service and bank fees in a sample computation. At the same time, recent public reviews raise concerns about application delays, document-upload problems, payment posting, customer support, and the total cost of longer-term offers. (Savii)

This SAVii loan review was prepared from current SAVii disclosures, SEC records, Philippine consumer-protection rules, app-store information, and recent borrower reports. It is not based on a fabricated borrowing test or an undisclosed personal loan application. The review scope follows the supplied research brief.

Summary: SAVii identifies its Philippine operator as New Cross Credit and Financing Gate PH, Inc., SEC Registration No. CS201628816, with Certificate of Authority No. 1288. An SEC financing-company list records the same company and CA number. SAVii advertises salary-linked loans beginning at 0.5% monthly interest, with terms up to 60 months, but actual pricing depends on the employee profile and can include service and bank fees. Before accepting any offer, check the net amount you will receive, every payroll deduction, number of deductions, all fees, and total repayment. Do not assume the headline monthly interest rate represents the full cost. (SEC Philippines)
Borrower question Current finding Why it matters
Who operates SAVii? New Cross Credit and Financing Gate PH, Inc. This identifies the legal entity behind the Philippine service.
SEC details CS201628816; CA No. 1288 The CA is more meaningful than corporate registration alone when checking financing authority.
Who can normally use it? Employees of SAVii partner employers It is primarily an employer-linked salary-finance product, not an unrestricted cash-loan marketplace.
Advertised interest From 0.5% monthly; app discloses a range up to 3.5% monthly Your own offer may be materially different from the lowest advertised rate.
Loan term 3–60 months in the current app listing Longer terms can make a modest payroll deduction produce a much larger total repayment.
Loan amount Current web calculator displays ₱5,000–₱500,000 The displayed ceiling is not a guaranteed approved limit.
Fees Official app example includes a ₱750 service fee and ₱95 bank fee on a ₱10,000 example Interest alone does not show the true peso cost.
Repayment Salary-linked deductions “Per payroll” may be much more important than the quoted monthly rate for budgeting.
Approval speed SAVii publishes several different timing/approval claims Marketing timelines should not be treated as guarantees.
Privacy SAVii says it collects identity, financial and loan-processing information and may share data with contracted service providers and financial partners Borrowers should review permissions and the current privacy notice before submitting documents.
Recent complaints Delays, document issues, support problems and payment-posting concerns appear in recent reviews These are anecdotal reports, not proof that every borrower will experience them.

Is SAVii legit and properly authorized in the Philippines?

SAVii has an identifiable Philippine financing-company operator. Its current website names New Cross Credit and Financing Gate PH, Inc., with SEC Registration No. CS201628816 and Certificate of Authority No. 1288; an SEC financing-company list records the same identifiers. That does not mean every SAVii offer is cheap or appropriate. (Savii)

Who legally operates SAVii?

The current SAVii privacy policy states that New Cross Credit and Financing Gate PH, Inc., using the trade name SAVii, operates the service. The website displays the same corporate name, registration number and Certificate of Authority. (Savii)

The SEC’s published financing-company list includes:

  • New Cross Credit and Financing Gate PH, Inc.
  • SEC Registration No. CS201628816
  • Certificate of Authority No. 1288. (SEC Philippines)

That distinction matters because saying a company is merely “SEC registered” is incomplete. Corporate registration and authority to conduct financing activities are not the same concept.

There is one historical naming detail worth knowing. An earlier SEC list of financing and lending companies and their online lending platforms associated New Cross Credit and Financing Gate PH, Inc. with Uploan PH. SAVii’s current website and app now use the SAVii brand while retaining the same corporate operator and registration details. (SEC Philippines)

How does a SAVii salary loan work?

SAVii is built around an employer relationship. Eligible employees of partner companies apply digitally, submit employment and identity documents, receive an individual offer, and repay through salary-linked deductions. Approval is still subject to assessment; employer participation does not guarantee approval. (Savii)

SAVii says it partners with employers rather than marketing the same loan universally to anyone with a smartphone. Its process summary says factors that may affect approval include:

  • employment tenure;
  • employment status;
  • salary level;
  • loan purpose;
  • completeness of documentation; and
  • other circumstances that may affect repayment capacity. (Savii)

Importantly, SAVii says its assessment is not fully automated. Documents may be submitted digitally, but borrower information is manually assessed by its team. (Savii)

What documents may be required?

SAVii’s loan-application guidance identifies items such as a government ID, company ID or qualifying Certificate of Employment, selfie verification and two recent payslips. It also gives document-quality requirements—for example, readable employment information and recent consecutive payslips. (Savii)

The current Google Play listing simplifies this to a company ID, valid government ID and two latest payslips. (Google Play)

This helps explain why “I work for a partner company” is not the same as “my loan is automatically approved.”

How much can you borrow from SAVii?

SAVii’s current salary-loan calculator displays amounts from ₱5,000 to ₱500,000, while the lender says eligibility determines the actual amount, rate and term available to an applicant. Treat the calculator ceiling as a product range—not as a guaranteed personal credit limit. (Savii)

The salary-loan page currently displays:

  • loan amount range in its calculator: ₱5,000–₱500,000;
  • monthly interest-rate inputs: 0.5%–3.5%;
  • repayment settings extending as long as 60 months. (Savii)

The Google Play listing is more specific about salary loans: it says loans run from 3 to 60 months and monthly interest rates range from 0.5% to 3.5%. It separately describes a one-month salary advance at 0% interest. (Google Play)

This distinction is useful because a calculator that displays a one-month setting can blur the line between SAVii’s salary advance and its longer-term salary loan.

Why can the final offer be lower than what appears initially?

SAVii’s own process description says tenure, salary level, employment and repayment circumstances can affect eligibility and duration. Its loan page also states that calculator results can change based on an applicant’s eligibility score. (Savii)

Recent forum discussions show employees sometimes seeing a large preliminary amount and then questioning whether that amount will survive final assessment. Those discussions are useful as examples of borrower confusion, but they should not be treated as evidence of SAVii’s internal underwriting formula. (Reddit)

What does a SAVii loan really cost?

The headline monthly interest rate is not enough. SAVii’s own app-store example adds service and bank fees to the interest calculation. Borrowers should compare the cash actually received with every payroll deduction and the final total repayment—not merely the advertised 0.5% starting rate. (Google Play)

The current Google Play disclosure contains a particularly useful example:

  • borrowed amount: ₱10,000;
  • tenor: 3 months;
  • interest rate: 0.5% per month;
  • stated interest: ₱150;
  • service fee: ₱750;
  • bank fee: ₱95. (Google Play)

The stated interest calculation is straightforward:

₱10,000 × 0.5% × 3 months = ₱150

But the interest is not the whole borrowing cost.

The disclosed interest plus the two listed fees equals:

₱150 + ₱750 + ₱95 = ₱995

That is more than six times the ₱150 headline interest charge.

There is also an important disclosure question in the app-store example: it identifies a “repayment amount” of ₱10,150 while separately listing the ₱750 service fee and ₱95 bank fee. The listing does not clearly state in that example whether those fees are deducted from disbursement, collected separately, or otherwise incorporated.

That is exactly why borrowers should look at the final disclosure statement rather than reconstructing the cost from advertising.

If, purely as an illustration, the ₱845 in fees were deducted before disbursement, cash received would be ₱9,155 while repayment would remain ₱10,150. In that scenario, the peso difference between net proceeds and repayment would be ₱995. This is an illustration, not a claim that SAVii necessarily deducts those exact fees upfront on every loan.

“Per payroll” can matter more than “per month”

Several recent borrower discussions show confusion over whether a displayed repayment is monthly or taken at each payroll cutoff. SAVii itself describes repayments as salary-linked and automatically deducted. (Savii)

For a twice-monthly payroll, a ₱3,000 per-payroll deduction means roughly ₱6,000 out of monthly take-home pay.

That may sound obvious after the fact, but it can radically change affordability when someone first looks at a small-looking deduction.

A 2026 Reddit discussion illustrates the issue. One commenter interpreted an indicated ₱5,631.80 payroll deduction across 72 payments as more than ₱400,000 in total deductions. This is an anecdotal calculation, not an official SAVii quote, but it demonstrates why multiplying the deduction by the actual number of payroll cycles is essential before accepting. (Reddit)

Does the Philippine interest-rate cap automatically limit every SAVii loan?

No. The current 2026 ceiling applies only to a defined class of small loans: unsecured, general-purpose loans of no more than ₱10,000 with a tenor of up to four months. You should not apply that ceiling to every SAVii salary loan regardless of amount or term. (Philippine Information Agency)

This is one of the most commonly misunderstood parts of Philippine digital-lending regulation.

Effective April 1, 2026, SEC Memorandum Circular No. 14, Series of 2025 applies to covered unsecured general-purpose loans of ₱10,000 or less with terms of up to four months. The current ceilings described by the Philippine Information Agency, quoting an SEC regional official, include:

  • nominal interest: 6% per month;
  • effective interest rate: 12% per month, including applicable fees and charges;
  • late/nonpayment penalty: 5% per month on the scheduled amount due. (Philippine Information Agency)

The final circular also retains a total-cost framework for covered loans. A reproduced copy of SEC MC No. 14 states a 100% total-cost cap for this defined category. (RegAlert)

The scope is the key point. A ₱100,000 salary loan payable over two or three years is not automatically governed by the small-loan ceiling simply because it was applied for through an app.

The older BSP Circular No. 1133 used the same ₱10,000/four-month coverage test, although the earlier effective-interest ceiling was 15% monthly.

How fast are SAVii approval and disbursement?

SAVii publishes fast-processing claims, but its current sources are not perfectly consistent. Treat them as marketing statistics rather than a promise that your application will be approved or funded within a specific number of hours.

The current salary-loan webpage says:

  • 80% of applications approved within 24 hours; and
  • 90% of approved loans disbursed within 48 hours. (Savii)

The current Google Play description, meanwhile, refers to receiving funds within 24 working hours of approval and separately advertises a 90% approval rate. (Google Play)

Those statements are not the same metric.

A 90% approval rate describes an approval outcome. “80% approved within 24 hours” describes processing speed. “90% disbursed within 48 hours” describes funding speed after approval.

A borrower should therefore avoid converting all three into “SAVii guarantees money in 24 hours.”

What appears to cause friction?

Recent 2026 app-store feedback includes reports of:

  • trouble uploading documents;
  • applications remaining under review;
  • repeated declines;
  • delayed responses from customer support;
  • deductions that a reviewer said did not immediately appear as posted payments; and
  • EWA eligibility or available balances changing in the app. (Google Play)

These are individual reports. They establish that such complaints exist; they do not prove their frequency across the entire borrower population.

What happens when repayment is linked to your salary?

Salary deduction reduces the chance of simply forgetting a due date, but it also means the loan directly reduces take-home pay before the employee can use that money for rent, utilities, food or other obligations. The affordability test should therefore be made at payroll level. (Savii)

SAVii says the fixed repayment is deducted at source and the employee receives the remaining salary. (Savii)

Before agreeing, write down four numbers:

  1. Net pay before the loan.
  2. SAVii deduction per payroll.
  3. Number of payroll deductions.
  4. Net pay remaining after every deduction.

For example, an employee receiving ₱18,000 twice monthly and losing ₱5,500 per cutoff to a loan would have only ₱12,500 available per payday before other deductions.

That budget impact is often more meaningful than an advertised monthly rate.

What happens if you resign or leave your employer?

Publicly available SAVii marketing pages do not provide enough detail to state one universal rule for every resignation scenario. Borrowers should read the actual loan agreement for acceleration, final-pay deduction, employer separation and alternative-payment provisions before accepting a long-term loan.

This deserves attention because recent borrower discussions repeatedly ask what happens when someone leaves a SAVii partner employer.

One 2026 Reddit poster reported being told that an outstanding balance could be taken from back pay after resignation. Another described continuing payment after changing employers. Those accounts are anecdotal and may involve different contracts or loan vintages. (Reddit)

The practical question is therefore not simply “Can I resign?”

It is:

What does my specific promissory note say becomes due when my employment relationship with the partner employer ends?

Look specifically for clauses covering:

  • separation from employment;
  • final pay;
  • acceleration of the outstanding balance;
  • alternative payment arrangements;
  • set-off or debit authority;
  • refinancing or restructuring; and
  • payroll-account changes.

Do not rely on a coworker’s older SAVii contract because terms may change.

Does SAVii charge late-payment fees?

SAVii currently markets its salary loans as having “No Late fees,” and its website links salary auto-debit with avoiding late penalties. The exact contractual treatment of a failed deduction, employment separation or overdue balance should still be confirmed in the borrower’s own disclosure statement and loan agreement. (Google Play)

This is a good example of why marketing and contract language should be separated.

The official app listing states “No Late fees.” SAVii educational content also promotes its salary loan as having no late penalty fees. (Google Play)

That does not justify assuming there are no consequences of default.

Possible consequences can still arise from the contract, collection process, outstanding balance, employer separation provisions, or credit reporting where legally applicable.

How does SAVii handle personal information?

SAVii’s privacy policy says loan-application data may be used for identification, credit assessment, origination, repayment, debt collection and remedial measures. It may also share information with contracted service providers and financial institutions, subject to applicable law. (Savii)

The privacy policy lists information such as:

  • name;
  • address;
  • contact details;
  • birth date;
  • financial-status information;
  • device/browser and log information; and
  • information submitted for loan processing. (Savii)

SAVii says loan information can be used across the loan lifecycle and may be shared with service providers involved in areas such as fraud prevention, payment services, debt collection, marketing and technology services. It also says information may be shared with partner financial institutions and specified suppliers where applicable. (Savii)

Google Play’s current Data Safety section says the app may collect and share personal information, financial information and other categories; it also states that data is encrypted in transit and that users may request deletion. (Google Play)

Can a lender contact everyone in your phone?

Philippine privacy rules provide meaningful protection here.

A March 2026 joint government advisory reiterated that online lenders must not engage in excessive or disproportionate processing of borrower contacts and specifically stated that persons in a borrower’s contact list other than declared guarantors may not be contacted for debt collection. (National Privacy Commission)

NPC guidance also prohibits indiscriminate harvesting of phone or social-media contacts for debt collection or harassment. (National Privacy Commission)

This is a general legal protection. It is not an allegation that SAVii has engaged in prohibited contact harvesting.

What are borrowers saying about SAVii in 2026?

Recent feedback is mixed. App-store ratings remain high in aggregate, but recent written reviews include recurring complaints about processing delays, document handling, customer support and account/payment updates. Separate borrower forums frequently focus on the total cost of longer-tenor loans. (Google Play)

Google Play currently shows more than 60,000 reviews and over 500,000 downloads, with a high aggregate rating. Those totals, however, should not replace reading recent written feedback. (Google Play)

Recent Google Play reviews from August 2026 include complaints about a slow interface, document-upload difficulties, repeated declines, customer-service availability and one reported payment-posting issue. SAVii responded to some reviews by directing users to its Help Center and live-chat support. (Google Play)

App Store feedback also contains a 2026 complaint involving EWA eligibility and an unresolved available-balance issue. (App Store)

Forum discussions reveal a different concern: long-tenor borrowing cost. Some borrowers report repayments that, over years, are substantially higher than their original principal. For example, one July 2026 poster described a ₱138,000 loan and stated that the total scheduled repayment through 2029 was ₱311,880. That is an unverified borrower report, not an official SAVii quote, but it illustrates why a borrower should never assess a four-year loan from the per-payroll deduction alone. (Reddit)

Another borrower in the same broad discussion area reported a much smaller three-month loan with a substantially lower peso interest burden, reinforcing the point that term length and individual pricing can materially change the outcome. (Reddit)

What are the main advantages and disadvantages of SAVii?

The strongest potential advantage is its salary-linked structure. For an eligible employee, automatic deductions can make the repayment schedule predictable, while SAVii publicly documents its operator, company address, SEC registration and Certificate of Authority. The product also publishes a pricing range and gives applicants transaction details before agreement through the app. (App Store)

The more important drawbacks are financial rather than cosmetic. A starting interest rate of 0.5% does not represent every offer; the current published range extends to 3.5% monthly, and official examples include fees beyond interest. Terms can extend to five years, so a repayment that feels manageable each payday can accumulate into a large total peso cost. (Google Play)

Recent reviews also indicate that some users encounter operational friction at precisely the time they are relying on a loan for urgent cash. (Google Play)

Who might find SAVii relevant, and who should be especially cautious?

SAVii may be relevant to an employee whose employer participates, who receives a clearly disclosed offer, and who can absorb the payroll deduction without using another loan to survive until the next payday. Long terms and high deductions deserve much closer scrutiny.

A salary-linked loan is easier to evaluate when the borrower knows exactly where repayment will come from.

Extra caution is warranted when:

  • the loan will leave too little take-home pay after each cutoff;
  • the borrower needs another loan to cover normal bills after the SAVii deduction;
  • the term extends for several years;
  • fees materially reduce the cash received;
  • the borrower expects to resign soon;
  • the contract’s final-pay provisions are unclear;
  • the offered rate is far above the advertised minimum; or
  • the repayment displayed “per payroll” was initially mistaken for a monthly payment.

What should you check before accepting a SAVii loan?

Do not accept based on the approved amount or monthly rate alone. Read the disclosure statement and reconstruct the entire transaction in pesos before signing. Philippine law requires meaningful disclosure of credit costs, and the borrower needs enough information to understand what the loan will actually cost. (Lawphil)

Use this sequence:

  1. Approved principal: How much does the contract say you borrowed?
  2. Net proceeds: Exactly how many pesos will arrive in your bank account or e-wallet?
  3. All deductions and fees: Processing, service, bank, transfer, insurance or other charges.
  4. Payroll payment: Is the displayed installment monthly, weekly, biweekly or every cutoff?
  5. Number of deductions: Multiply the deduction by the full number of payroll periods.
  6. Total repayment: Compare this with both the approved principal and the cash actually received.
  7. Employment-exit rule: What happens if you resign, are terminated or transfer to a non-partner employer?
  8. Early payment: Check whether early repayment changes the cost and whether any fee applies. The Financial Products and Services Consumer Protection Act recognizes prepayment rights subject to properly disclosed costs or fees. (Lawphil)
  9. Data permissions: Check the app’s permissions and privacy notices before uploading IDs, payslips and financial information.
  10. Keep evidence: Save the disclosure statement, promissory note, repayment schedule, screenshots of the accepted offer and proof of each deduction.

The Truth in Lending Act requires creditors to disclose the finance charge and other specified credit information before the transaction is consummated. (Lawphil)

If the numbers on screen do not allow you to determine the total amount leaving your salary, that is a reason to stop and obtain clarification before accepting.

What can you do if you have a complaint about SAVii?

SAVii’s current contact page says borrowers can submit a ticket and that it aims to respond to each ticket within 48 hours. (Savii)

For disputes involving financing-company conduct, the SEC currently provides mechanisms for complaints involving financing and lending companies through its official channels. The SEC’s public materials show that its complaint-handling framework remains active in 2026. (SEC Philippines)

For misuse of personal data, a borrower may file a complaint with the National Privacy Commission. The NPC currently explains who may file and what documentation is needed. (National Privacy Commission)

Republic Act No. 11765 also establishes financial-consumer rights including fair treatment, disclosure and transparency, privacy protection, and timely complaint handling. (Lawphil)

FAQ

Is SAVii the same as an ordinary online cash-loan app?

Not exactly. Its principal model is employer-linked salary finance. SAVii says employees generally access the service through participating employers and repayments are linked to salary. (Savii)

Does SAVii guarantee a 0.5% monthly interest rate?

No. 0.5% is the advertised starting rate. The current app listing describes monthly rates from 0.5% to 3.5%, with credit conditions tailored to employee profiles. (Google Play)

Does working for a SAVii partner company guarantee approval?

No. SAVii identifies employment tenure, salary, loan purpose, documentation and repayment-related factors as part of its assessment. (Savii)

Can I delete my SAVii data?

Google Play states that users can request data deletion, while SAVii’s privacy policy lists rights including access, rectification, erasure or blocking and the right to file a complaint. Actual deletion may remain subject to legal retention obligations. (Google Play)

Is a long-term SAVii loan automatically illegal if total interest is high?

No. The 2026 statutory ceiling discussed above is limited to covered loans of no more than ₱10,000 and up to four months. Larger or longer loans cannot be judged simply by applying that small-loan ceiling. Contract terms must still comply with applicable consumer, disclosure and other laws. (Philippine Information Agency)

A practical way to decide before you sign

The most useful SAVii number is not the maximum loan shown in the app and not the lowest monthly interest rate on the website.

It is this:

Total money removed from your future salaries − cash actually received today.

Then ask whether the remaining salary after every deduction still covers normal living costs without another loan.

Confirm the legal lender on the contract. Confirm the net proceeds. Count every payroll deduction. Add every disclosed fee. Read what happens if you resign. Save the repayment schedule. Review the permissions you are granting.

SAVii’s identifiable operator and documented Certificate of Authority answer the corporate-identity question more strongly than app-store availability alone. The harder question is whether your specific offer is affordable. That answer can only come from the final disclosure statement and your own payroll cash flow—not from the advertised starting rate.

References

  1. SAVii Salary Loans
    Organization: SAVii / New Cross Credit and Financing Gate PH, Inc.
    Resource: Fast and Convenient Salary Loans
    URL: https://savii.io/ph/salary-loans
  2. SAVii Privacy Policy
    Organization: SAVii / New Cross Credit and Financing Gate PH, Inc.
    Resource: SAVii Privacy Policy
    URL: https://savii.io/ph/privacy-policy
  3. SAVii Process Summary
    Organization: SAVii / New Cross Credit and Financing Gate PH, Inc.
    Resource: Process Summary
    URL: https://savii.io/ph/process-summary
  4. SAVii Terms of Use
    Organization: SAVii / New Cross Credit and Financing Gate PH, Inc.
    Resource: Terms of Use
    URL: https://savii.io/ph/terms-of-use
  5. SAVii Google Play Listing
    Organization: Google Play / SAVii
    Resource: SAVii – Salary Finance App
    URL: https://play.google.com/store/apps/details?id=io.savii.android
  6. SAVii Apple App Store Listing and Reviews
    Organization: Apple App Store / SAVii
    Resource: SAVii Salary Finance App
    URL: https://apps.apple.com/ph/app/savii/id6450001184
  7. SEC Financing Company List
    Organization: Securities and Exchange Commission Philippines
    Resource: List of Financing Companies with Certificate of Authority
    URL: https://www.sec.gov.ph/wp-content/uploads/2021/04/2021List-of-FC_0331.pdf
  8. 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: https://www.sec.gov.ph/wp-content/uploads/2021/12/2021_1129ListLCFCApps.pdf
  9. BSP Circular No. 1133
    Organization: Bangko Sentral ng Pilipinas
    Resource: Ceiling/s on Interest Rates and Other Fees Charged by Lending Companies, Financing Companies, and their Online Lending Platforms
    URL: https://www.bsp.gov.ph/Regulations/Issuances/2021/1133.pdf
  10. 2026 Interest-Rate Ceiling Report
    Organization: Philippine Information Agency
    Resource: SEC naglansang sa 6% nga interest sa loans
    URL: https://pia.gov.ph/news/visayas/cv-visayas/sec-naglansang-sa-6-nga-interest-sa-loans/
  11. Financial Products and Services Consumer Protection Act
    Organization: Lawphil / Republic of the Philippines
    Resource: Republic Act No. 11765
    URL: https://lawphil.net/statutes/repacts/ra2022/ra_11765_2022.html
  12. Truth in Lending Act
    Organization: Lawphil / Republic of the Philippines
    Resource: Republic Act No. 3765
    URL: https://lawphil.net/statutes/repacts/ra1963/ra_3765_1963.html
  13. NPC Online Lending Privacy Guidance
    Organization: National Privacy Commission
    Resource: Online lenders barred from harvesting borrowers’ phone and social-media contact list
    URL: https://privacy.gov.ph/online-lenders-barred-from-harvesting-borrowers-phone-and-social-media-contact-list-says-privacy-commission/
  14. NPC 2022 Amendments to Loan-Related Data Rules
    Organization: National Privacy Commission
    Resource: NPC amends Circular on the processing of personal data for loan-related transactions
    URL: https://privacy.gov.ph/npc-amends-circular-on-the-processing-of-personal-data-for-loan-related-transactions/
  15. Joint Advisory on Online Lending Platforms
    Organization: DICT / National Privacy Commission / Securities and Exchange Commission
    Resource: Advisory on Online Lending Platforms
    URL: https://privacy.gov.ph/wp-content/uploads/2026/03/DICT-NPC-SEC-Public-Advisory-on-Online-Lending-Platforms.pdf
  16. NPC Complaint Procedure
    Organization: National Privacy Commission
    Resource: File a Complaint
    URL: https://privacy.gov.ph/file-a-complaint-2/
  17. SEC Memorandum Circular No. 14, Series of 2025 Reproduction
    Organization: RegAlert / Securities and Exchange Commission source document
    Resource: Recalibrated Ceilings on Interest Rates and Fees for Financing and Lending Companies
    URL: https://regalert.today/document/sec-memorandum-circular-no-14-series-of-2025-recalibrated-ceilings-on-interest-r-2355d3fb-9836-4eb6-9b88-d45d4ca4891b
  18. Recent SAVii Borrower Discussions
    Organization: Reddit
    Resource: SAVii-related borrower discussions in r/BPOinPH and r/utangPH
    URL: https://www.reddit.com/r/BPOinPH/comments/1tj06cc/savii/

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 17, 2026 by Elena Reyes