Elending Lending Inc. is a Philippine lending company registered under the trade name Pocketcash, also presented as Pocket Cash in its current mobile application and website. The company provides digital personal-loan services through an Android application.
The official SEC and Credit Information Corporation records identify the company as Elending Lending Inc. doing business under the name and style of Pocketcash. The legal entity is registered under SEC Registration Number CS201912383 and Certificate of Authority Number 3044.
Company: Elending Lending Inc.
Brand: Pocketcash / Pocket Cash
Company website: www.elendinglending.com
Brand website: www.elendinglending.com
Android application: play.google.com/store/apps/details?id=cas.eleding.po
The company and the Pocket Cash brand currently use the same website. A separate verified consumer website exclusively using a Pocketcash domain was not found.
Elending Lending Inc. officially operates under the Pocketcash brand.
The historical SEC register names Pocketcash as the company’s trade name, while the Credit Information Corporation currently lists Elending Lending Inc. doing business under the name and style of Pocketcash.
The current Google Play application is called:
Pocket cash – Digital Loan
The application is published by Elending Lending Inc. and uses the package name cas.eleding.po. It had more than 10,000 downloads and was updated on July 13, 2026, indicating that the Android product remains technically active.
The official website currently linked from the Pocket Cash Google Play listing is:
Website: www.elendinglending.com
The website uses Pocketcash branding and identifies Elending Lending Inc. as the company operating the service. It displays the company’s registration number, Certificate of Authority, lending products and contact details.
The verified Android application is:
Application name: Pocket cash – Digital Loan
Application link: play.google.com/store/apps/details?id=cas.eleding.po
Developer: Elending Lending Inc.
An official iPhone application published by Elending Lending Inc. was not confirmed during the review.
The current Android application publishes the following general loan conditions:
These figures are the platform’s published limits rather than guaranteed terms for every applicant. The specific amount, repayment period, rate and charges are displayed inside the application before the customer confirms a loan agreement.
The company states that it does not charge hidden fees and that applicable costs are disclosed before confirmation. This does not mean that every loan is free of fees. Applicants should review the individual Disclosure Statement for interest, deductions and any other charges.
The official application provides an example based on a ₱10,000 loan for 91 days.
The calculation is presented as follows:
The interest is calculated as:
₱10,000 × 0.05% × 91 = ₱455.
This is only a representative example. The actual amount, repayment term and rate must be checked in the individual offer displayed to the borrower.
The Elending Lending website separately publishes the following personal-loan limits:
The website’s two-month minimum differs from the 91-day minimum shown in the current Android application. The app listing is more recent and was updated in July 2026, so customers applying through the app should use the 91-to-360-day range displayed in the current product.
The individual loan agreement remains the controlling document.
The corporate website also advertises financing for small and medium-sized enterprises.
The published business-loan conditions are:
The website does not publish a standard business-loan interest rate, complete eligibility checklist or detailed application procedure for the ₱500,000 product.
The current Pocket Cash Android listing describes only personal digital loans of up to ₱50,000. A business applicant should therefore confirm directly with Elending Lending Inc. whether the SME product remains available and whether it is processed through the same application.
The current Android listing publishes three basic requirements:
The corporate website adds that an applicant should provide valid contact information and bank-account details.
Meeting these requirements does not guarantee approval. The company may evaluate the information and documents supplied through the application before deciding whether to offer a loan.
The public product description does not specify:
The exact requirements appear during the application process.
Applicants should use the current Google Play page:
Application: play.google.com/store/apps/details?id=cas.eleding.po
The developer must be displayed as Elending Lending Inc.
Customers should not install applications from unofficial APK websites or links sent by unidentified agents.
The applicant downloads the application and creates an account using the information requested by Pocket Cash.
An active mobile number may be needed for account registration, verification codes, application notifications and payment reminders.
The customer selects the application option on the Pocket Cash homepage and enters the required loan information.
The company instructs applicants to complete all requested fields according to the directions displayed in the app.
The applicant may be asked to provide:
The company’s current privacy policy also refers to device data, approximate location, finance-related SMS information, installed-app information and facial biometric data.
A valid government-issued ID is required. The application may also request a live facial photograph or selfie to confirm that the person applying is the owner of the identification document.
The privacy policy states that facial biometric data may be used for identity checks, fraud prevention and subsequent verification in the event of a dispute.
The corporate website states that approved money is transferred directly to the bank account supplied by the customer.
The applicant should verify the account holder’s name and account number before submitting the application.
The Google Play listing instructs customers to submit the application and wait for verification and assessment.
The corporate website states that approval is usually completed within 20 minutes and that disbursement may occur within 24 hours. These are company processing estimates rather than guaranteed time limits.
Before accepting a loan, the customer should check:
Only the conditions shown before confirmation should be treated as the borrower’s actual loan offer.
Elending Lending Inc. advertises loan approval within approximately 20 minutes and disbursement in as fast as 24 hours through its website.
The actual processing time may depend on:
Submitting an application does not guarantee approval, the maximum amount or same-day receipt of funds.
The current Pocket Cash application publishes:
The application also states that all applicable costs are disclosed before confirmation.
A historical SEC register dated May 31, 2020 listed Elending Lending Inc. with rates ranging from 3% to 5% per month. That entry is historical and should not be used as the current Pocket Cash price because the newer application now publishes different product conditions.
Applicants should compare:
The current application states that Pocket Cash supports multiple repayment methods, potentially including bank transfers and third-party payment providers available in the Philippines. It does not publish a complete fixed list of channels on the public Google Play page.
Borrowers should follow only the instructions displayed in:
Before paying, the customer should check the official recipient, reference number, amount and due date.
Money should not be transferred to an unidentified personal account or e-wallet belonging to someone claiming to be a Pocket Cash agent.
The public website and application listing do not clearly publish:
These conditions should be stated in the individual agreement.
A customer planning an early settlement should request the exact payoff amount. A borrower who expects difficulty meeting a due date should contact the company before the account becomes overdue.
The privacy policy linked from the company website describes the following categories of information and permissions.
The platform may process:
Approximate location may be collected for security, account verification and service-related purposes.
The application may request access to SMS messages related to financial transactions and services. The policy states that unrelated personal messages are not intended to be accessed.
The platform may access information about applications installed on the device for functionality, security and risk-assessment purposes.
Camera and gallery permissions may be used to submit IDs, selfies and other verification documents selected by the customer.
The policy states that a live facial photograph may be collected and used for identity verification and fraud prevention.
The application may process:
The Google Play data-safety section separately states that the application may collect location, personal information and five other data categories. It says that data is encrypted in transit and that users may request deletion.
The privacy policy states that information used for identity authentication, loan assessment and risk control may be retained for up to five years after the customer stops using the service.
Marketing and behavioural-analysis information may be retained for up to two years or deleted after consent is withdrawn.
Information may be disclosed to:
The borrower may exercise rights relating to access, correction, objection, deletion or blocking under the Philippine Data Privacy Act, subject to legal and contractual retention requirements.
The privacy-policy page currently hosted on www.elendinglending.com repeatedly uses the name MoneySnap, even though the registered and current Google Play brand is Pocketcash.
This inconsistency is material because the Philippine SEC has separately warned about a MoneySnap application using the registered details of Elending Lending Inc. without authorization. The SEC advisory described “MoneySnap – Safe Credit Loan” as a fake use of the company’s identity.
For this reason, MoneySnap should not be presented as a confirmed Elending Lending Inc. brand. The verified registered brand is Pocketcash, and the current app reviewed is Pocket cash – Digital Loan with package name cas.eleding.po.
Customers should check the exact application package and developer name rather than relying only on a company registration number displayed in an app.
Elending Lending Inc. doing business as Pocketcash appears in the current Credit Information Corporation list of submitting entities in production.
This means that relevant loan and repayment information may be submitted to the Philippine credit-information system.
Late or missed payments may therefore affect the borrower’s credit history and future applications with other financial institutions.
In June 2024, the Securities and Exchange Commission issued a cease-and-desist order against Elending Lending Inc. and five other financing or lending companies for regulatory compliance failures.
During the current review, no separate publicly accessible SEC notice expressly confirming that the order against Elending Lending Inc. had been formally lifted was located.
At the same time:
These facts demonstrate current technical activity but do not, by themselves, prove the formal status of the 2024 order. Customers should verify the company’s current authorization directly with the SEC before entering a new loan agreement.
Elending Lending Inc. publishes the following company information:
The SEC historical register and current CIC records connect the company with the Pocketcash trade name.
The corporate website publishes:
Company: Elending Lending Inc.
Brand: Pocketcash / Pocket Cash
Website: www.elendinglending.com
Phone: +63 912 483 3577
Email: [email protected]
Address: Marajo Tower, North Penthouse Unit, 312 26th Street corner 4th Avenue, Taguig, Metro Manila 1634, Philippines
Business hours: Monday to Friday, 9:00 a.m. to 6:00 p.m.
The Google Play developer section publishes a different set of contact details:
Application: play.google.com/store/apps/details?id=cas.eleding.po
Support email: [email protected]
Phone: +63 955 531 6874
Address: Block 23, Lot 55/57, Crane Street, Amaris Homes, Molino 4, Bacoor, Cavite 4102, Philippines
Because the official website and Google Play listing show different addresses, phone numbers and emails, customers should confirm the current contact channel before sending identification documents, making a payment or planning an office visit.
Yes, the Elending Lending Inc. is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS201912383 and Certificate of Authority No. 3044. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Elending 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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