If you’re looking for quick cash loans in the Philippines, EasyPeso might appear as one of the options on Google Play or App Store. But many users ask the same question: Is EasyPeso legit or just another online lending scam? In this detailed EasyPeso loan app review, we’ll examine its SEC registration, legitimacy, complaints about harassment, user experiences, interest rates, and 2025 updates — so you can decide if it’s a safe online loan provider to trust.
What Is EasyPeso?
EasyPeso is an online lending app in the Philippines operated by Creditable Lending Corp, a company officially registered with the Securities and Exchange Commission (SEC).
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Company Name: Creditable Lending Corp
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SEC Registration No.: CS201817516
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Certificate of Authority No.: 2749
This means EasyPeso was once SEC-registered, giving it the legal right to operate as a lending company. However, like many loan apps, its compliance and practices are often questioned by borrowers due to reports of harassment and poor customer service.
Is EasyPeso SEC Registered or Revoked?
As of the latest reports and user investigations, EasyPeso’s SEC registration status has been under scrutiny. While it was initially registered, users should verify if it’s still active by checking the official SEC Philippines website for revoked or suspended licenses.
Some borrowers claim that EasyPeso’s license was revoked due to harassment complaints and data privacy violations, though these reports need official confirmation. Always confirm the latest SEC registration status before downloading or applying.
EasyPeso Harassment Reviews and Complaints
One of the biggest concerns surrounding EasyPeso loan app is harassment. Numerous borrowers have posted on Reddit, Facebook, and online forums about the app allegedly threatening or shaming them when they missed payments.
Common complaints include:
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Harassing text messages to borrowers and their contacts
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Threats and public shaming via social media
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Rude or unprofessional collection agents
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Difficulties contacting customer service
The National Privacy Commission (NPC) and the SEC have previously investigated harassment complaints against several lending apps, including EasyPeso. Victims are encouraged to report such harassment to the NPC or SEC for investigation.
Loan Amounts, Requirements, and Interest Rates
The EasyPeso cash loan process is fast but comes with high interest and short repayment terms.
1. Loan Amount
Borrowers can typically apply for amounts between ₱1,000 to ₱10,000 for first-time users. Repeat borrowers may qualify for higher limits depending on repayment history.
2. Loan Requirements
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Valid government ID (e.g., UMID, PhilHealth, Driver’s License)
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Active mobile number and email address
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Proof of income (optional for repeat borrowers)
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Bank or e-wallet account for disbursement
3. Interest Rate
Interest rates range from 10% to 25% per month, which can be quite steep compared to bank loans or cooperative lending. Always check the loan terms before accepting.
EasyPeso App Download (Latest APK 2025 Update)
You can find EasyPeso on:
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Google Play Store (for Android)
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App Store (for iOS)
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Official APK Download: Use only official links or verified sources to avoid fake or phishing apps.
If the app shows “under maintenance”, it could be due to system updates, temporary suspension, or investigation by regulatory agencies.
Login, Payment, and Account Management
Borrowers can log in via the EasyPeso app using their registered mobile number or email. Payments can be made through GCash, PayMaya, 7-Eleven, or bank transfer.
If you experience login issues or payment confirmation delays, contact their customer service immediately.
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Email Address: Usually provided within the app (verify the current official contact).
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Contact Number: Check the latest version or their official Facebook page.
If you no longer wish to use the service, you can request to delete your EasyPeso account through customer support — but ensure all outstanding balances are fully paid before doing so.
Is EasyPeso Safe to Use?
While EasyPeso was once a SEC-registered lending app, borrowers must be cautious due to the numerous harassment reviews and privacy concerns.
Tips to stay safe:
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Verify SEC registration regularly.
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Avoid giving permission to access your contacts or photos.
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Use legitimate apps only from official app stores.
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Report abusive collection practices to the National Privacy Commission (NPC).
If you’re seeking safe online loans in the Philippines, consider SEC-accredited alternatives like Tala, Cashalo, or BillEase, which have stronger reputations for transparency and compliance.
EasyPeso Customer Service & Contact Information
EasyPeso’s customer service has mixed reviews — some users report timely responses, while others claim unresponsive agents.
You may contact EasyPeso via:
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Email: cs@easypeso.ph (Check the latest version of the app)
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Official Facebook Page: EasyPeso PH (verify authenticity)
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In-App Chat Support: Available during business hours
If EasyPeso is under maintenance, it’s best to wait for an official announcement rather than downloading APKs from third-party websites.
Final Verdict: EasyPeso Legit or Not in 2026?
Based on available data and borrower experiences, EasyPeso appears to be a legitimate but risky lending platform. While it has SEC registration under Creditable Lending Corp, the harassment complaints and high interest rates make it a controversial option.
If you value privacy and transparent terms, you might prefer more reputable online loan apps that clearly disclose fees and respect user data. Always research before applying and never share unnecessary personal information.
Nicholas Bloom, professor of Economics at Stanford University, is a leading expert in online lending and digital banking. With over 20 years of experience, he specializes in fintech, risk analytics, and productivity research. A Frisch Medal and Bernácer Prize winner, Bloom blends academic expertise with practical fintech insights to promote responsible lending, data-driven innovation, and global financial policy improvement.
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