Loan amount
₱2,000 — ₱10,000
Interests
0,16% per day (60% per year)
Term
from 61 to 90 days
Tekwang Lending Corp. is a Philippine lending company operating under the Tekcash brand. Tekcash is a digital personal-loan platform through which customers can register, submit an application, complete identity verification and receive an individual loan offer using a mobile device.
The company and the lending brand use the same official website:
Company website: www.tekwanglending.ph
Brand: Tekcash
Brand website: www.tekwanglending.ph
The official website identifies Tekwang Lending Corp. as the company behind Tekcash and publishes SEC Registration Number CS201911369 and Certificate of Authority Number 3032. The Credit Information Corporation also lists the company as Tekwang Lending Corp. doing business under the name and style of Tekcash.
Tekcash is available as a mobile application for Android and iPhone.
Android application: play.google.com/store/apps/details?id=ph.tekwanglending.tekcash
iPhone application: apps.apple.com/ph/app/tekcash-secure-online-loan/id6740469294
The Android application is published by Tekwang Lending Corp. and had more than one million downloads when reviewed. It was updated on July 7, 2026, indicating that the platform remains technically active and continues to maintain its mobile product. The iPhone application is also published under the company’s legal name.
The current Android application publishes the following general product conditions:
These are the platform’s maximum published limits. Approval for ₱90,000 or a 12-month repayment period is not guaranteed. The amount, term, interest and charges available to a particular customer depend on the application and credit assessment.
The Android and iPhone Tekcash listings contain materially different product information.
The Android application states:
The iPhone application states:
Both applications advertise a maximum loan amount of ₱90,000, but their published maximum APR and minimum repayment periods do not match.
Because of this discrepancy, applicants should not rely only on the promotional description in an application store. The controlling conditions should be the interest, fees, repayment schedule and total amount payable displayed in the individual Disclosure Statement and loan agreement before confirmation.
The Android application provides an example of a ₱20,000 loan for four months, or 120 days.
The published calculation uses:
The service fee in this example is calculated at 6.6% for each 30-day period. As a result, the borrower repays ₱7,920 above the ₱20,000 principal.
This example demonstrates why the maximum APR alone may not show the complete cost of the loan. Service fees and other disclosed charges must also be included when comparing the amount received with the total repayment.
The iPhone listing provides a different example for the same ₱20,000 principal and 120-day repayment period.
The iPhone calculation uses:
Unlike the Android example, the iPhone calculation does not include a separate service fee.
The large difference between the two examples means that the borrower must inspect the actual offer shown on their device. Neither representative example should be assumed to apply automatically to every customer.
The official Tekcash application publishes three basic eligibility conditions:
Meeting these conditions does not guarantee approval. Tekwang Lending Corp. may assess the applicant’s identity, income, repayment capacity, credit risk and other information before deciding whether to issue a loan.
The public application listing does not specify:
The exact requirements are displayed during the application process.
Applicants should download Tekcash from Google Play or the Apple App Store.
The application developer must be shown as:
TEKWANG LENDING CORP.
Customers should avoid unofficial APK files, social-media download links or applications with a similar name published by another developer.
The customer completes the registration process using the information requested by the application. An active Philippine mobile number may be required for account creation, verification codes and notifications.
The account should be created and used only by the applicant. Passwords, PINs and one-time verification codes should not be disclosed to another person.
The applicant submits the personal, contact, employment, income and financial information required by Tekcash.
The information must be accurate and consistent with the customer’s identification documents. Incorrect or incomplete information may delay the review or result in rejection.
At least one valid government-issued ID is required. The applicant may also need to provide a selfie or complete another identity-verification step through the application.
After the required information has been submitted, the customer may select from the amount and repayment options made available in the account.
The advertised range of ₱1,000 to ₱90,000 does not mean that every amount within that range will be available to every user.
Before confirming the transaction, the applicant should verify:
This step is particularly important because the public Android and iPhone descriptions contain different APRs and representative calculations.
The customer submits the request after reviewing the terms. Tekcash advertises quick approval and disbursement, but approval remains subject to the company’s assessment.
The Android application states that an approved loan may be transferred in as little as three minutes. This is a promotional processing claim, not a guarantee that every application will be reviewed and funded within three minutes.
Transfer time may depend on verification, approval, the selected receiving account and the availability of banking or electronic-wallet systems.
The most recent Android listing publishes a maximum APR of 144% and a maximum monthly effective interest rate of 12%. Its representative calculation also includes a substantial service fee in addition to interest.
The iPhone listing publishes a lower maximum APR of 36% and provides an example without a separate service fee.
Applicants should therefore compare the following figures in their personal offer:
A statement that there are “no hidden charges” means that charges should be disclosed before acceptance. It does not mean that a Tekcash loan has no service fees or other costs.
The Tekcash privacy policy states that collected information may be used to review an application, assess repayment capacity and credit risk, and determine the loan amount, interest rate and term available to the customer.
Applicants should not assume that the same conditions are offered to all users. The company may provide different amounts, rates and repayment periods depending on the result of its risk assessment.
According to the current Google Play data-safety disclosure, the Tekcash application may collect personal information, messages and other categories of data. The listing states that information is encrypted in transit and that users can request deletion.
The official privacy policy indicates that device and personal information may be used for credit analysis, risk control and application processing.
Before granting application permissions, customers should review which information is requested and why it is necessary. Access should be provided only through the official Tekcash application.
The public application listing does not provide a complete list of current repayment channels. Borrowers should follow the payment instructions displayed in their account or stated in the signed loan agreement.
Before making a payment, the customer should confirm:
Payments should not be transferred to an unidentified personal bank account or e-wallet belonging to someone claiming to be a Tekcash representative.
Receipts and reference numbers should be retained until the payment has been reflected in the account.
The public Google Play and App Store descriptions do not disclose one universal late-payment penalty for all Tekcash loans. The applicable overdue interest, penalty and collection conditions should be stated in the individual loan agreement.
A missed payment may affect the borrower’s credit record because Tekwang Lending Corp. is registered as a submitting entity with the Credit Information Corporation. The company was onboarded for the submission of live borrower credit data on July 15, 2025.
Tekwang Lending Corp. publishes the following regulatory details:
The company and Certificate of Authority appear in the SEC’s historical list of lending companies. Tekcash also appeared as the company’s recorded online lending platform.
In June 2024, the Philippine Securities and Exchange Commission issued a cease-and-desist order against Tekwang Lending Corp. and several other lenders for failures involving regulatory filings and compliance requirements. The reported deficiencies included the submission of an impact evaluation report, official contact details, online-platform disclosures, complaint-handling procedures, CIC registration and information about third-party providers.
Later records show that Tekwang Lending Corp. was onboarded as a live CIC submitting entity on July 15, 2025. The Tekcash website is active, and the Android application was updated on July 7, 2026.
These later developments indicate that the company addressed at least its CIC onboarding requirement and is currently maintaining the Tekcash platform. However, a separate publicly accessible SEC notice expressly confirming the formal lifting of the 2024 cease-and-desist order was not located during this review.
Company: Tekwang Lending Corp.
Brand: Tekcash
Company website: www.tekwanglending.ph
Brand website: www.tekwanglending.ph
Android application: play.google.com/store/apps/details?id=ph.tekwanglending.tekcash
iPhone application: apps.apple.com/ph/app/tekcash-secure-online-loan/id6740469294
Customer-service email: [email protected]
Developer email: [email protected]
Official company email: [email protected]
Customer-service hotline: +63 917 821 6555
Additional published hotline: +63 917 820 4555
Developer phone: +63 917 178 6781
Support hours: Monday to Sunday, 9:00 a.m. to 6:00 p.m.
Address: Marajo Tower, 312 26th Street, Taguig City, Metro Manila 1634, Philippines
The official company and brand website are therefore the same: www.tekwanglending.ph. The registered consumer brand is Tekcash.
Yes, the Tekwang Lending Corp. is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS201911369 and Certificate of Authority No. 3032. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Tekwang Lending Corp.", 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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