SunLoan Lending Investors Corporation is a Philippine lending company that provides personal cash loans through digital platforms. The company’s official website directs customers to two lending products: Cashify PH and Peso Plus. Both services allow applicants to register and submit a loan request through a mobile application.
The application process is completed online. Customers create an account using a mobile number, provide personal information and a selfie, enter a bank account or electronic-wallet account, and wait for the company’s credit decision. The official website states that approved funds may be disbursed within 24 hours.
SunLoan Lending Investors Corporation currently publishes loan information for two applications:
Cashify offers the higher published maximum of the two products. Peso Plus follows a similar application process but advertises a lower maximum loan amount. Both applications are published under SunLoan Lending Investors Corporation.
The official Cashify PH Android application listing publishes the following conditions:
The amount and term shown in an individual account may be lower than the maximum figures advertised by Cashify. Applicants must wait for an evaluation before seeing whether a loan is available and under what conditions.
The iPhone application description also advertises Cashify loans of ₱1,000 to ₱50,000 for 91 to 180 days with a maximum APR of 30%. However, the iPhone listing states that the service fee is zero, while the Android listing refers to a possible service fee of up to 16%. Because the published descriptions differ, the fee displayed in the applicant’s Disclosure Statement should be treated as the applicable cost of a specific loan.
The official Peso Plus application lists the following general conditions:
The ₱30,000 amount is the maximum published limit for Peso Plus. Approval and access to the full amount are not guaranteed. The company evaluates the application before making a loan available.
Both Cashify and Peso Plus provide an example based on a ₱10,000 loan for 91 days at an annual interest rate of 12%. The Android listings calculate the cost as follows:
This calculation is only an example. The actual rate and service fee depend on the offer presented to the customer.
The iPhone Cashify listing provides a different example in which no service fee is added. For a ₱10,000 loan over 91 days at 12% APR, it calculates total repayment of approximately ₱10,299. This difference is another reason to check all charges shown in the current application before accepting a loan.
The official Cashify and Peso Plus listings publish the same basic requirements. An applicant must:
Satisfying these basic requirements does not guarantee approval. The company uses the information supplied through the application to assess creditworthiness and determine whether an applicant qualifies for a loan, amount, or repayment term.
SunLoan’s official website states that applicants must upload a personal profile and selfie for verification. They must also provide a bank account or electronic-wallet account to receive approved funds.
The Peso Plus privacy policy describes the information that may be collected during registration and credit assessment. This includes:
Examples of accepted identification documents mentioned in the privacy policy include a UMID card, Voter’s ID, passport, and National ID.
Applicants can use Cashify PH or Peso Plus. The application should be downloaded through an official store page linked to SunLoan Lending Investors Corporation.
Before installing the app, the customer should verify that the listed developer is SunLoan Lending Investors Corporation.
The user registers using an active mobile number. The number is used to create the account and communicate with the applicant during the application process.
The borrower enters the information requested in the application. This may include identity, contact, income, employment, address, emergency-contact, and bank information.
SunLoan requires applicants to upload personal information and a selfie for verification. The privacy policy states that camera access may be used to scan an ID and perform facial recognition.
Applicants must provide a bank account or supported e-wallet. The official app listings mention disbursement to a bank account, GCash, or Coins.ph.
SunLoan assesses the information submitted by the applicant. The privacy policy states that credit and underwriting decisions may be made through automated systems using data-science and machine-learning technology.
An approved applicant should review the amount, term, APR, interest, signing fee, service fee, due dates, and total repayment before confirming the transaction.
The official listings advise customers to study the terms, conditions, and Disclosure Statement before proceeding.
SunLoan’s corporate website states that approved funds may be disbursed within 24 hours. It also advertises round-the-clock online disbursement, although the actual timing may depend on approval, verification, and the receiving bank or e-wallet.
The Peso Plus privacy policy states that SunLoan may use automated processing to determine:
The company’s automated models may decline an application or determine that a customer is not eligible for a particular amount or term.
A customer whose request is declined because of an automated credit, underwriting, or fraud decision may request a review by contacting the support address identified in the Peso Plus privacy policy. Objecting to automated processing may prevent the company from providing its lending services.
SunLoan’s two Android applications publish a maximum APR of 30%. They also state that the transaction fee is zero but that a signing fee and service fee may apply. The published service-fee range is 0% to 16% per transaction.
The service fee can materially increase the total borrowing cost. In the company’s Android example, the interest on a ₱10,000 loan is only ₱299.17, but the additional 10% service fee raises total charges to ₱1,299.17.
Before accepting a loan, the borrower should compare:
The individual Disclosure Statement is necessary because the Android and iPhone Cashify listings contain different information about the service fee.
The public company homepage does not publish a detailed list of repayment channels or late-payment penalties. The applicable payment instructions, due dates, and default charges should therefore be checked in the borrower’s application, loan agreement, and Disclosure Statement.
SunLoan’s privacy policy confirms that the platform processes repayment information and may work with banks, mobile-wallet providers, remittance companies, and external collection agencies to administer outstanding obligations.
The Peso Plus privacy policy states that the application may access or process several categories of device information.
Approximate location may be used to complete address information and support account-risk controls. The privacy policy states that location collection should stop when the application is operating in the background.
The policy states that SMS data may be obtained for risk-management and fraud-prevention checks.
Information about installed applications may be used to assess the customer’s credit level and recommend credit products.
Camera access is used to scan identification documents and complete facial-recognition checks.
Peso Plus may add or modify calendar events to remind the borrower of a repayment due date. The policy states that it does not access or modify unrelated events created by the user.
The application may process the hardware model, operating-system version, device identifier, Wi-Fi information, mobile-network information, and user-account information for device identification and fraud prevention.
SunLoan states that personal information may be used to:
Information may be disclosed to affiliated companies, employees, contractors, banks, payment providers, electronic-wallet operators, remittance companies, credit bureaus, telecommunications companies, external collection agencies, auditors, legal advisers, and government authorities when necessary for the stated purposes.
The privacy policy states that data may be transferred and stored in Singapore. It also says that safeguards will be used for transfers outside the Philippines.
SunLoan states that personal information may be retained for at least five years to comply with anti-money-laundering and terrorism-financing prevention requirements. Information may also be retained longer when required by law, needed for an outstanding loan, or necessary to establish a legal defense.
Customers may exercise rights relating to:
A request for deletion may not be granted immediately when the borrower still has an outstanding balance or the company must keep the information to comply with a legal obligation.
SunLoan publishes the following company information:
These registration details appear on the company website and in the official application listings.
The corporate website publishes the following telephone number:
The current Cashify Android listing provides:
The Peso Plus listing publishes:
Because different official pages publish different business addresses and phone numbers, a customer planning to visit an office should first confirm the current location through the company’s support channels.
Yes, the Sunloan Lending Investors Corporation is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS201900565 and Certificate of Authority No. 2872. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Sunloan Lending Investors Corporation", you may leave a review or contact the SEC by email at [email protected] or by calling the SEC Call Center at 02-5322-7696.
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