Yinshan Lending Inc.

Yinshan Lending Inc.

Yinshan Lending Inc. is a Philippine fintech and lending company registered with the Securities and Exchange Commission under SEC Registration No. CS201900108. Its Certificate of Authority is No. 2860.

The company provides online consumer credit under the HappyCash brand. HappyCash continues to operate through its official website and mobile applications.

Brand operated by the company

The company’s main confirmed brand is:

• HappyCash

Yinshan Lending Inc. is identified as the operator or developer of HappyCash on the official website, Google Play, the Apple App Store, and relevant Philippine credit-industry records.

What HappyCash does

HappyCash provides unsecured consumer loans and a reusable credit limit to qualified borrowers in the Philippines.

The entire application process is completed online. Borrowers can register, verify their identity, submit personal and income information, receive a credit decision, and request the release of funds through the mobile application.

No collateral is required. The approved credit limit depends on the borrower’s information, identity verification, income, repayment capacity, previous borrowing activity, and the company’s internal credit assessment.

HappyCash loan terms

The HappyCash listing for iPhone indicates the following possible terms:

• credit limit from PHP 500 to PHP 25,000;
• repayment period from 91 to 180 days;
• maximum stated monthly interest rate of up to 0.9%;
• maximum annual percentage rate of up to 30%;
• repayment through equal monthly instalments;
• loan proceeds may be released to a bank account or GCash wallet.

The official HappyCash website separately advertises:

• interest starting from 0.2% per day;
• credit limit of up to PHP 25,000;
• repayment period of up to six months.

The figures shown on the website and in the App Store are not fully consistent. Borrowers should therefore rely on the personalised offer and Disclosure Statement shown before confirming the loan.

The Disclosure Statement should be checked carefully for:

• principal loan amount;
• actual amount to be received;
• interest charges;
• processing or service fees;
• repayment schedule;
• late-payment charges;
• total amount payable.

Who may apply

The basic requirements generally include:

• at least 18 years old;
• a Philippine citizen;
• a valid mobile number;
• at least one valid government-issued ID;
• a regular or verifiable source of income;
• a bank account, electronic wallet, or another supported disbursement method.

Meeting the basic requirements does not guarantee approval. The available amount and repayment period are determined individually.

How to apply for a HappyCash loan

The borrower must first download the official HappyCash application and register using an active Philippine mobile number.

The next steps normally include:

1. Completing the personal information form.
2. Providing employment and income information.
3. Uploading a valid government-issued ID.
4. Completing facial-recognition or liveness verification.
5. Selecting the requested loan amount.
6. Submitting the application for assessment.
7. Reviewing the approved amount, fees, interest, and repayment schedule.
8. Accepting the loan agreement and Disclosure Statement.

After approval and acceptance, the money may be transferred to the borrower’s selected bank account or GCash wallet.

HappyCash states that approval and disbursement may take only a few minutes. Actual processing time may be longer if additional verification is required or the receiving bank or electronic wallet delays the transaction.

HappyCash mobile application

HappyCash is available for mobile devices.

Android application:

Happycash-Easy and happy loan

iPhone application:

Happycash-Online credit loan

Yinshan Lending Inc. is identified as the developer or operator of the applications. The apps were updated in 2026, which supports the conclusion that HappyCash remains operational.

Borrowers should install the application only through the official HappyCash website, Google Play, or the Apple App Store.

HappyCash contact details

Website: happycash.ph

Customer support email: [email protected]

Recruitment email: [email protected]

Additional developer or business email: [email protected]

Telephone numbers:

(02) 8672-7877
0908 584 8852
0910 262 6060

Office address:

26th Floor, The World Center, Gil Puyat Avenue, Barangay Bel-Air, Makati City, Philippines

The website states that customer support is available from Monday to Sunday, from 7:00 a.m. to 9:00 p.m. However, the hours shown in the application stores may differ, so borrowers should confirm the current schedule directly with the company.