Prima Fintech (Philippines) Lending Corporation is a Philippine lending company operating online personal-loan services under the Prima Loan and Light Kredit brands.
Prima Loan is the company’s principal current product. It is presented on the corporate website and has an active Android application published directly by Prima Fintech (Philippines) Lending Corporation. Light Kredit is another active lending platform connected with the company and distributed through its technology subsidiary, Prima Fintech Software Development Corporation.
The company is registered with the Philippine Securities and Exchange Commission under SEC Registration Number CS201951100 and Certificate of Authority Number 2917. The SEC register states that the Certificate of Authority was issued on March 20, 2019.
The two currently verifiable brands are:
Prima Loan is identified as the registered business name on its official product website. The active Android application is published by Prima Fintech (Philippines) Lending Corporation itself.
Light Kredit is operated through an application published by Prima Fintech Software Development Corporation. The application identifies that technology company as a subsidiary of Prima Fintech and names Prima Fintech (Philippines) Lending Corporation as the parent lending company and legal lender.
Historical SEC records also connected the company with Pautang Cash, Prima Cash, Flip Cash, Manup and Peso Pocket. Current official applications or functioning consumer platforms for these names were not confirmed, so they should not be presented as the company’s main active products.
Prima Loan is the primary online lending brand of Prima Fintech. It offers unsecured installment loans through an Android application.
The current application is named PRIMA LOAN – Online Peso Lending. It has more than 100,000 downloads and was updated on June 8, 2026. The app identifies Prima Fintech (Philippines) Lending Corporation as its developer and lender.
The company’s corporate website also promotes Prima Loan as its principal product and describes a four-step process:
The website states that the product is intended for short-term personal needs and does not normally require collateral.
The current Android application publishes the following general conditions:
The ₱35,000 amount is the maximum advertised limit for repeat borrowers with a good repayment record. A first-time applicant may receive a smaller amount.
The corporate website separately advertises interest of approximately 1% to 3% per month. This does not fully match the APR disclosure in Google Play, so applicants should use the individual Disclosure Statement rather than relying on the short promotional statement.
The official Android listing provides an example for a ₱1,000 loan issued for 91 days at an APR of 34.67%.
The calculation is presented as follows:
A third-party transaction fee of ₱8 to ₱20 may be charged separately, depending on the payment channel.
This is only an illustrative example. The actual amount, APR, payment schedule and transaction charge must be checked in the borrower’s individual offer.
The application advertises an interest rate of 0.02% for an initial application and states that first-time borrowers may have no additional fees apart from the principal and interest.
The description does not clearly explain whether 0.02% is a daily, monthly or another periodic rate. It should therefore not be treated as a complete cost disclosure. The borrower must check the APR, total interest and total repayment displayed before confirming the transaction.
The current application lists the following basic requirements:
Accepted identification documents listed by Prima Loan include:
The product website additionally mentions proof of income as part of the application requirements. Meeting these conditions does not guarantee approval.
The current application lists the following receiving methods:
The company advertises disbursement within approximately five minutes after approval. This is a promotional estimate rather than a guaranteed processing time.
Processing can take longer when:
Light Kredit is another active online lending platform associated with Prima Fintech.
Its Android application is called LIGHT KREDIT PH – Online Loan. It is published by Prima Fintech Software Development Corporation, which identifies itself as the technology subsidiary of Prima Fintech. The application had more than 500,000 downloads and was updated on April 27, 2026.
The Light Kredit application identifies:
This establishes a direct connection between the app and the licensed lending company, even though the software is published by a separate subsidiary.
The current application publishes the following product limits:
The application states that approved funds may be sent to a bank account or GCash.
The maximum ₱25,000 amount is not guaranteed. The amount and repayment period offered to an applicant depend on the company’s assessment.
The official application provides an example for a ₱25,000 loan issued for 180 days at an APR of 34.45%.
The published calculation is:
The app calculates one 60-day installment at approximately ₱9,749.09.
The precise installment schedule should be verified in the individual Disclosure Statement because rounding and payment dates may affect the final amounts.
The current Light Kredit listing publishes the following requirements:
The published maximum age of 85 is unusually high for an online loan product, but it appears in the current official application description. Approval remains subject to the lender’s assessment.
The general process for both Prima Loan and Light Kredit is similar.
The developer should be verified before installation.
For Prima Loan, the developer must be Prima Fintech (Philippines) Lending Corporation.
For Light Kredit, the developer must be Prima Fintech Software Development Corporation, and the application must identify Prima Fintech as its parent lending company.
The applicant creates an account using an active Philippine mobile number. It may be used for:
Passwords, PINs and OTPs should not be disclosed to anyone.
The customer provides the requested:
The information should be complete and consistent with the identification document.
The apps may request photographs of an ID and a selfie or facial-recognition image. These materials are used to verify identity and reduce fraudulent applications.
The company may use automated credit and fraud models to assess the application. The privacy policy states that machine-learning systems can be used to determine eligibility, amount and term with limited human involvement. Applicants may request a review when a decision results from automated assessment.
Before accepting the loan, the borrower should check:
The Disclosure Statement and electronic loan agreement take priority over promotional descriptions.
Prima Loan does not publish a complete fixed repayment-channel list in its current app description. Its website states that repayment may be made through bank transfer, mobile payment services or partner locations.
Light Kredit recommends:
Borrowers should use only the payment instructions displayed in the official account or agreement.
Before paying, the customer should confirm:
Money should not be transferred to an unidentified personal bank account or e-wallet.
The Prima Loan privacy policy states that the platform may process:
The privacy policy states that Prima Loan may request permission to access:
Financial SMS information may be used for credit assessment. Installed-app information and contacts may be used for fraud detection, verification and credit-risk analysis. Calendar access may be used to create repayment reminders.
The policy states that these categories should not be collected unless the user grants permission. Applicants should review each request before allowing access.
Prima Loan may share information with:
The privacy policy states that data may be stored using Amazon and Alibaba Cloud services and may be processed in the Philippines, the United States or Singapore.
Personal information may be retained for as long as needed to administer the customer’s account, meet regulatory requirements, prevent fraud or establish legal claims. A deletion request may be refused or delayed when a loan remains unpaid or records must be retained by law.
Prima Fintech appears among the lending institutions available in the Credit Information Corporation’s dispute-resolution system. This indicates that information reported by the company may appear in Philippine consumer credit records.
Late, missed or unpaid obligations may therefore affect the borrower’s credit history. Customers who find inaccurate Prima Fintech information in a CIC credit report can use the CIC dispute process.
A current Apple App Store application named PRIMA LOAN – Peso Loan Online is published by DOU-SYSTEM TECHNOLOGY, INC., not by Prima Fintech.
The provider, support email, office address and published loan conditions do not match Prima Fintech’s official Android application or corporate records. It should therefore not be described as an official Prima Fintech application.
The Apple developer page registered to Prima Fintech does not currently display a verifiable active lending application. An official current iPhone version of Prima Loan or Light Kredit was therefore not confirmed.
Prima Fintech has the following confirmed regulatory information:
Company: Prima Fintech (Philippines) Lending Corporation
Active brands: Prima Loan and Light Kredit
Historical platforms: Pautang Cash, Prima Cash, Flip Cash, Manup and Peso Pocket
SEC Registration Number: CS201951100
Certificate of Authority Number: 2917
Certificate of Authority date: March 20, 2019
The SEC’s 2020 register historically listed rates from 0.5% to 2% per day. These figures are outdated and should not be used as the current price because the active applications now publish APR-based terms and installment examples.
Company: Prima Fintech (Philippines) Lending Corporation
Company website: primafintechphilippines.com
Prima Loan website: www.primaloanplus.com
Prima Loan Android application: play.google.com/store/apps/details?id=com.prima.loan.peso.cash.online.lending.philippines
Prima Loan customer-service email: [email protected]
Prima Loan support email: [email protected]
Corporate email: [email protected]
Corporate developer email: [email protected]
Prima Loan phone: +63 961 024 0842
Prima Loan customer-service hours: Monday to Saturday, 8:30 a.m. to 5:30 p.m.
Prima Loan application address: 1 Jade Drive, Ortigas Center, San Antonio, Pasig City, Metro Manila, Philippines
Current corporate website address: Units 2302A/B, East Tower, Tektite Tower, Barangay San Antonio, Pasig City, Philippines
Google Play developer address: 16th Floor, East Tower, Philippine Stock Exchange Center, San Antonio, Pasig City 1600, Metro Manila, Philippines
Light Kredit website: l.lightkredit.ph
Light Kredit Android application: play.google.com/store/apps/details?id=com.online.lending.peso.loan.app.LIGHT.KREDIT.PH
Light Kredit support email: [email protected]
Additional Light Kredit email: [email protected]
Light Kredit phone: +63 961 541 9120
Light Kredit address: Units 2301–2302B, 23rd Floor, East Tower, Philippine Stock Exchange Centre, Exchange Road, Pasig City 1605, Metro Manila, Philippines
The company publishes several Pasig City addresses through its corporate website, product website and application-store account. Customers planning to visit an office should confirm the current location with customer support first.
Yes, the Prima Fintech (philippines) Lending Corporation is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS201951100 and Certificate of Authority No. 2917. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Prima Fintech (philippines) Lending 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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