Link Credit Lending Investors Inc. is a Philippine lending company operating under the PesoIn brand. Philippine regulatory records also connect the company with another online lending platform called iPeso.
PesoIn provides an online platform through which customers can register, submit personal and employment information, undergo a credit assessment and review available loan offers. The official website remains accessible and continues to publish the company’s registration details, privacy policy, loan-agreement template and customer-service contacts.
Company: Link Credit Lending Investors Inc.
Primary brand: PesoIn
Other registered brand: iPeso
Company website: www.pesoin.com
Brand website: www.pesoin.com
Web application page: www.pesoin.com/h5/
Former Android application: play.google.com/store/apps/details?id=com.linkcredited.pesoin
Link Credit Lending Investors Inc. operates under the names PesoIn and iPeso.
PesoIn is the currently verifiable brand with an accessible official website. The SEC’s published company-contact list identifies both iPeso and PesoIn as platforms of Link Credit Lending Investors Inc. The SEC also referred to both names when it imposed a regulatory fine on the company in 2025.
A current official website or app-store page for iPeso was not confirmed. It should therefore be described as another registered or previously operated brand rather than the company’s primary active platform.
The official PesoIn website is: www.pesoin.com
The website identifies the operator as Link Credit Lending Investors Inc. and publishes the following company information:
The homepage incorrectly shortens the Certificate of Authority number to “307.” However, the website’s privacy policy and the SEC lending-company register identify the complete Certificate of Authority Number as 3072.
PesoIn previously had an Android application called:
PesoIn – Your Safe Online Loan
The historical package name was:
com.linkcredited.pesoin
The corresponding Google Play address was:
play.google.com/store/apps/details?id=com.linkcredited.pesoin
Archived application records identify Link Credit Lending Investors Inc. as the developer. The app was launched in April 2020, and the last recorded version was released on August 23, 2023.
A currently accessible official Google Play listing for this package was not found during the review. The company website instead provides a web or mobile landing page at: www.pesoin.com/h5/
Customers should not install PesoIn through an unofficial APK directory. A financial application should be used only when its developer, package name and company registration details can be verified.
An official PesoIn application for the Philippine Apple App Store was not confirmed.
The PesoIn website is active and continues to display the company’s contact information, privacy policy and loan-agreement template. Link Credit Lending Investors Inc. is also currently included in both the Credit Information Corporation’s list of accessing entities and its list of submitting entities in production. The company was onboarded for live CIC data submission on September 2, 2025.
These records indicate that the legal entity remains active in the Philippine credit-information system.
However, the absence of a current verified Google Play listing means that customers should confirm directly with PesoIn whether it is accepting new applications through its website or another authorized channel.
The current public website does not publish a complete product table showing:
The homepage advertises quick credit assessment, approval within 24 hours and a daily interest rate “as low as 0.8% per day.” This statement differs materially from the terms previously published in the Android application. Applicants should not use the homepage statement alone to calculate the cost of a loan.
The current loan amount, net proceeds, interest, fees and repayment date must be checked in the individual Disclosure Statement and loan agreement before confirmation.
The archived Android description stated that an applicant had to:
The company stated that the loan amount and repayment period could increase according to the user’s credit score and information submitted through the platform.
A current eligibility checklist is not available on the public website. Applicants should verify the current rules before providing personal information.
The current PesoIn privacy policy provides a detailed description of the personal and device information that may be processed.
PesoIn may collect:
Some of this information is used for registration, identity verification, credit assessment and loan administration.
The privacy policy states that PesoIn may collect financial SMS information to identify accounts and cash-flow patterns and to conduct a credit-risk assessment.
The company says that SMS data is encrypted and uploaded to its servers, while personal messages unrelated to financial risk are filtered and deleted.
PesoIn may collect the device’s approximate location, IP address, latitude and longitude for account-risk and anti-fraud purposes.
The platform may process metadata about applications installed on the customer’s device, including:
PesoIn states that this information is used to assess creditworthiness and prepare customized loan offers.
Camera access may be used to photograph and upload Know Your Customer documents.
The company may process:
The privacy policy states that artificial-intelligence technology may be used to verify identity and prevent misuse of identification documents.
PesoIn requires selected emergency-contact information, including:
The company states that this information may be used when it cannot contact the borrower directly or when an account presents a security or compliance risk.
The application may process:
PesoIn states that device information is used for account security, identity verification and fraud prevention.
Because the current app-store listing is unavailable, the precise active application procedure cannot be fully confirmed. The former application used the following general process.
The customer should begin only through: www.pesoin.com
The domain and company details should be checked before any ID, employment document or financial information is submitted.
The applicant registers using a personal mobile number and email address. PesoIn may use an OTP to verify the account and prevent another person from applying in the customer’s name.
The customer enters the required identity, address, employment and income information.
The former application also requested a payslip or Certificate of Employment in some cases. The precise documents required may depend on the current application process.
The applicant may need to submit a government-issued ID and personal photograph through the website or authorized application.
The documents should not be sent through an unofficial social-media account or to an individual claiming to guarantee approval.
PesoIn may request one or more selected emergency contacts. The applicant should obtain the person’s permission before sharing their details.
The company reviews the submitted information and credit record before deciding whether to issue a loan.
The loan-agreement template states that the platform has the right to verify details such as:
The agreement also gives the platform discretion to approve or decline the request based on the borrower’s information and credit record.
Before confirming a transaction, the applicant should check:
The public loan-agreement template contains blank fields for these figures, meaning the actual conditions are determined separately for each transaction.
PesoIn’s loan-agreement template states that a platform-management fee may be charged and deducted before the loan is released.
The agreement says that this fee may include:
The amount is not published in the blank public template. It must be shown in the borrower’s individual loan documents.
This is important because the current website’s promotional language does not provide a complete fee schedule.
The loan-agreement template states that the borrower must repay the loan principal and interest to the designated account when the obligation becomes due. It also requires full payment before midnight on the final repayment date.
The former Android application listed the following repayment methods:
These channels came from the archived app description and may no longer represent the complete current list.
Borrowers should use only the payment instructions displayed in their active PesoIn account or loan agreement.
Payments should not be transferred to an unidentified personal account belonging to someone claiming to represent PesoIn.
The public loan-agreement template states that overdue liquidated damages may be charged as a proportion of the remaining principal. It also refers to a daily deferred-approval fee when the repayment period is extended.
The template does not provide the actual percentage or daily amount. These figures must be checked in the individual agreement.
The agreement also states that the borrower may be responsible for legal fees when litigation results from a breach of the repayment obligation.
PesoIn states that customers can request cancellation through the following section of the application:
Mine → Settings → Cancel Account
The account can be cancelled only after all outstanding loan orders have been settled. The company states that it processes account-cancellation requests within seven days and deletes relevant personal information connected with the account.
Some information may still need to be retained when required by credit-reporting, anti-money-laundering or other legal obligations.
Link Credit Lending Investors Inc. appears in both the CIC list of accessing entities and the list of submitting entities in production.
This means the company can participate in the Philippine credit-information system. Relevant loan and repayment information may form part of a borrower’s credit record.
Late or unpaid obligations may therefore affect future applications with other financial institutions.
In July 2025, the Securities and Exchange Commission ordered Link Credit Lending Investors Inc. to pay a ₱1 million fine for unfair debt-collection practices.
The SEC held the company, operating as iPeso and PesoIn, liable for four violations of SEC Memorandum Circular No. 18, Series of 2019. The regulator stated that more than 200 complaints had been received concerning the company’s collection practices from September 2022 to March 2023.
According to the SEC findings reported by The Philippine Star, collection messages included insults and threats to call borrowers’ emergency contacts and co-workers. The company also received a warning that subsequent violations would be handled more severely.
The fine does not by itself mean that the company’s corporate registration was cancelled. The PesoIn website remains accessible, and Link Credit Lending Investors Inc. continues to appear in current CIC records.
Link Credit Lending Investors Inc. has the following published regulatory details:
Company: Link Credit Lending Investors Inc.
Registered brands: PesoIn and iPeso
SEC Registration Number: CS201914644
Certificate of Authority Number: 3072
Certificate of Authority date: September 2, 2019
Company website: www.pesoin.com
PesoIn website: www.pesoin.com
Web application page: www.pesoin.com/h5/
The SEC’s May 2020 lending-company list recorded a historical interest-rate range of 4% to 5% per month. This historical information should not be used as the current PesoIn price.
Company: Link Credit Lending Investors Inc.
Primary brand: PesoIn
Other registered brand: iPeso
Website: www.pesoin.com
Web application: www.pesoin.com/h5/
Former Android application: play.google.com/store/apps/details?id=com.linkcredited.pesoin
Customer-service email: [email protected]
Globe phone: +63 977 696 9102
Smart phone: +63 939 395 9437
Address: 12th Floor, Aseana Three Building, Macapagal Avenue corner Aseana Avenue, Aseana City, Tambo, Parañaque City, Metro Manila 1701, Philippines
Former app support hours: Monday to Saturday, 9:00 a.m. to 6:00 p.m.
A June 2024 official company-contact list separately published:
Legal counsel: Rollie Ang
Phone numbers: +63 917 764 3083 and +63 966 940 2905
Emails: [email protected] and [email protected]
Customers should confirm the current payment and application channels through [email protected] before submitting identification documents or transferring money.
Yes, the Link Credit Lending Investors Inc. is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS201914644 and Certificate of Authority No. 3072. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Link Credit Lending Investors 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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