Inclusive Credit Lending Inc. is a Philippine lending company operating under the Pinoy Peso brand. Pinoy Peso is a digital microloan platform through which customers can register, submit a loan application, provide identification information and receive approved funds without visiting a physical branch.
The company’s official corporate website directly identifies Pinoy Peso as its lending brand. The Pinoy Peso Android application is also published under the developer name Inclusive Credit Lending Inc. and remained active as of July 2026.
Company website: www.inclusivelend.com
Pinoy Peso website: www.pinoypesoweb.com
Android application: play.google.com/store/apps/details?id=com.ph.pinoy.peso
Inclusive Credit Lending Inc. operates under the Pinoy Peso brand.
Pinoy Peso is presented as an online microloan product intended for unexpected expenses and urgent personal financial needs. The application allows eligible Filipino customers to request a relatively small unsecured loan and complete the process using a mobile phone.
The company’s main corporate website is www.inclusivelend.com. The separate website associated with the Pinoy Peso application is www.pinoypesoweb.com.
The current official Android application publishes the following product conditions:
These are the general limits published for the product. Approval for the maximum ₱10,000 is not guaranteed. The actual amount offered may depend on the applicant’s income, submitted information, previous repayment activity and credit assessment.
The company website contains a general statement that repayment periods may range from 90 to 180 days. However, the more recent Google Play listing, updated on July 2, 2026, states a current maximum of 120 days. The 90-to-120-day range should therefore be used when describing the current Pinoy Peso mobile product.
The official application provides a calculation for a ₱6,000 loan issued for 100 days.
The example is presented as follows:
Under this example, the total borrowing cost is ₱700. It consists of ₱400 in interest and a ₱300 service fee.
This calculation is illustrative. The service fee may range from 3% to 10%, so the actual total repayment may be higher or lower than in the example. The borrower should check the individual offer and Disclosure Statement before confirming the loan.
The official application lists the following basic eligibility conditions:
Meeting these requirements does not guarantee approval. Inclusive Credit Lending Inc. may assess the applicant’s identity, financial circumstances, credit reliability and device information before making a lending decision.
The company’s privacy policy lists the following identification documents as examples:
The applicant may need to submit an image of the document, its identification number, full legal name and occupation. Facial recognition or selfie verification may also be required through the device camera.
The exact list of documents accepted for a particular application is displayed in the current Pinoy Peso app.
Inclusive Credit Lending Inc. may request personal, financial and device information necessary to verify the customer and assess the application.
This may include:
The application may also request consent to process device information, approximate location, selected financial SMS data, installed-app information and emergency contacts.
Pinoy Peso is available through Google Play.
Application: play.google.com/store/apps/details?id=com.ph.pinoy.peso
Before installing the app, the customer should verify that the developer is shown as Inclusive Credit Lending Inc.
The applicant creates an account using an active mobile number. Registration and login may require an SMS verification code.
The phone number should belong to the applicant and remain active during the loan period because it may be used for identity checks, application notifications and payment reminders.
The customer enters the personal, employment, income and financial information requested by Pinoy Peso.
All information should be complete and accurate. Incorrect contact details, inconsistent income information or an unreadable ID may delay the application or result in rejection.
The applicant provides at least one accepted government-issued ID and may be asked to complete a facial-recognition or selfie check.
Camera access is used for identity verification and the Know Your Customer process.
The applicant chooses from the amount and repayment options displayed in the account. The available limit may be lower than the advertised maximum of ₱10,000.
The current app description states that funds may be received within hours after a successful application. The company website separately says that applications are typically processed within 24 to 48 hours, while promotional material refers to disbursement in as fast as three minutes after approval.
These statements should not be interpreted as a guaranteed processing time. The three-minute claim refers to possible disbursement after approval, not necessarily the entire application review.
Before accepting the loan, the customer should verify:
The service fee can materially increase the cost even when the advertised APR appears moderate.
Pinoy Peso publishes a maximum APR of 24% and a service fee ranging from 3% to 10%.
The service fee is calculated separately from interest. For example, the official ₱6,000 calculation includes ₱400 in interest and a ₱300 service fee.
Applicants should distinguish between:
The corporate website says that charges are disclosed in the loan agreement and that there are no hidden fees. This does not mean that the product is free of fees; it means that applicable interest, processing charges and other costs should be disclosed before acceptance.
The current application states that approved funds are transferred directly to the customer’s account. The privacy policy confirms that Inclusive Credit Lending Inc. may process bank-account or card details for loan transfers and repayments.
The receiving account information should be checked carefully. An incorrect account number, recipient name or payment detail may delay or prevent disbursement.
Submitting an application does not guarantee approval. The company may reject an application or offer a lower amount based on its internal assessment.
The exact repayment date and amount are displayed in the individual loan offer. The current application advertises terms from 90 to 120 days, including any renewal period.
The borrower should use only the repayment instructions shown in the official application or loan agreement. Payments should not be transferred to an unidentified personal bank account or e-wallet belonging to an alleged agent.
Payment receipts and reference numbers should be retained until the payment is reflected in the account.
The company website states that a Pinoy Peso loan may be repaid early without penalties or additional charges. It also says that early repayment may reduce interest costs.
Before making an early settlement, the customer should check the amount currently displayed in the application or ask support for a final settlement calculation. This helps avoid a remaining balance caused by unpaid interest or fees.
Inclusive Credit Lending Inc. states that late fees or penalties may apply when a repayment is missed. The public pages do not publish one fixed late-payment rate applicable to every loan.
The exact overdue charges should be stated in the borrower’s Disclosure Statement or loan agreement.
Missing a payment may also affect the borrower’s credit record. Customers who expect difficulty making a payment should contact Pinoy Peso before the due date and request written information about available options.
Inclusive Credit Lending Inc. is included in the Credit Information Corporation’s official list of relevant entities. The company’s privacy policy also permits information to be shared with credit bureaus, credit-reporting agencies and financial-service providers when necessary.
A Pinoy Peso loan and its repayment status may therefore form part of the borrower’s Philippine credit information.
The Pinoy Peso privacy policy describes several categories of information that may be processed.
The company may collect an ID copy, ID number, full name, occupation and facial-recognition scan.
Pinoy Peso may collect:
The stated purposes include fraud prevention, security and risk assessment.
With permission, the application may use GPS, Wi-Fi or mobile-network data to determine approximate location. The stated purposes include identity verification, fraud prevention and service personalization.
With consent, the app may process SMS information associated with financial transactions, including loan, card, payroll, payment and investment notifications.
The privacy policy also refers to SMS use for OTP authentication.
Pinoy Peso may collect package names and installation or update times for apps installed on the device. The company says this information is used to assess risks and detect potentially fraudulent activity.
The company may collect emergency-contact numbers when they are explicitly provided by the customer.
Applicants should review all requested permissions before granting access.
Inclusive Credit Lending Inc. states that information may be disclosed to:
The company says information is shared when required by law or necessary to provide, administer or collect a loan.
The company states that personal information is encrypted during transmission and storage and that access is restricted to authorized personnel.
According to the privacy policy, customer data is stored on servers located in the Philippines and retained for as long as necessary to provide the service or comply with legal requirements.
Customers may request:
The Google Play listing also states that data is encrypted in transit and that users may request deletion.
A deletion request may not immediately remove information that must be retained because of an outstanding loan, credit-reporting obligation or other legal requirement.
Inclusive Credit Lending Inc. publishes the following regulatory information:
The corporate website, privacy policy and current application listing use the same company name and registration details.
Company: Inclusive Credit Lending Inc.
Brand: Pinoy Peso
Company website: www.inclusivelend.com
Pinoy Peso website: www.pinoypesoweb.com
Android application: play.google.com/store/apps/details?id=com.ph.pinoy.peso
Customer-service email: [email protected]
Developer email: [email protected]
Phone: +63 906 667 6870
Address: Unit 2704, 27th Floor, Tycoon Centre Office Condominium, Pearl Drive, San Antonio, Ortigas, Pasig City 1600, Metro Manila, Philippines
Customer-service hours: 9:00 a.m. to 6:00 p.m., Monday to Saturday
The application developer, company name and registration details should be checked before the customer submits an ID or financial information. OTPs, passwords and advance payments should not be sent to an unidentified person claiming to guarantee approval.
Yes, the Inclusive Credit Lending Inc. is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS201909928 and Certificate of Authority No. 3007. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Inclusive Credit Lending Inc.", 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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