LF Lending Services Corporation is a Philippine lending company operating the LF Lending digital loan platform. The service allows eligible Filipino customers to register, complete identity verification, apply for a personal loan and receive approved funds through a bank account or supported electronic wallet.
The company is registered with the Philippine Securities and Exchange Commission under SEC Registration Number CS202001294 and Certificate of Authority Number 3225. The Certificate of Authority was issued on February 6, 2020. LF Lending Services Corporation also appears in the current Credit Information Corporation lists of accessing entities and submitting entities in production.
The company’s confirmed active brand is LF Lending.
The legal company and consumer brand use the same official website. No other current digital lending brand operated by LF Lending Services Corporation was confirmed.
The current Android and iPhone applications are both named LF Lending – Loan App In PH and are published by LF Lending Services Corporation. The Android app had more than 10,000 downloads and was updated on June 18, 2026. The iPhone version was launched in June 2026 and identifies the same company as its provider.
The current Android application publishes the following general conditions:
The amount, term and interest rate available to a particular customer depend on credit evaluation and the company’s internal lending policies. An approved credit limit does not automatically mean that the entire amount can be withdrawn.
The official iPhone application publishes materially different pricing:
The Android application therefore displays a maximum APR of 144%, while the iPhone application displays a maximum APR of 36%. Both applications are published by the same legal company.
The reason for this difference is not explained in the public descriptions. It may reflect different app versions, customer categories or product settings, but this cannot be confirmed from the published information.
Applicants should rely on the figures in the individual Disclosure Statement and loan agreement presented immediately before confirmation.
The Android application provides an example for a ₱10,000 loan issued for 120 days at a maximum monthly effective interest rate of 12%.
The calculation is shown as follows:
The calculation used by the application is:
₱10,000 × 12% × 4 months = ₱4,800.
This is described as a maximum estimate. The actual pricing depends on the borrower’s credit evaluation.
The iPhone application provides a substantially cheaper example for the same principal and repayment period:
The calculation is:
₱10,000 × 18.25% ÷ 365 × 120 = approximately ₱600.
The Android and iPhone examples are therefore not interchangeable. A borrower should not calculate the loan cost using one application’s example while applying through the other.
The current application-store descriptions state that loans start from ₱2,000. However, the company’s service agreement defines a loan as an amount that must not be lower than ₱1,000.
This does not necessarily mean that a ₱1,000 loan is currently available. The actual minimum amount presented to customers in the active application appears to be ₱2,000.
The current official sources list the following basic requirements:
Examples of accepted identification documents include:
The company website states that more than ten ID types may be supported, although it does not publish a complete list.
Meeting the basic requirements does not guarantee approval. The final decision may depend on identity verification, income, repayment capacity, credit information, device-risk indicators and internal assessment criteria.
The customer should use the Android or iPhone application published by LF Lending Services Corporation.
Before registering, the applicant should verify:
Applications distributed through private APK links, social-media messages or unverified websites should be avoided.
The customer creates an account using an active Philippine mobile number.
The number may be used for:
The company states that its employees will not request a customer’s OTP, PIN, password or verification code through calls, SMS, chat or social media.
The applicant submits personal, employment, income and contact information.
All details should be accurate and consistent with the submitted ID. Incorrect or incomplete information may delay the review or affect the lending decision.
LF Lending may ask the applicant to:
The privacy policy states that the camera is activated only when the user manually starts identity verification. It also states that the application does not continuously record or activate the camera in the background.
The applicant may be required to provide basic information about income, employment and repayment capacity.
The company may also use credit reports and automated profiling to assess:
Customers may object to automated profiling, although the privacy policy states that doing so may prevent the company from completing the lending assessment.
Published receiving methods include:
The account should normally belong to the applicant. Incorrect or restricted account details may cause disbursement to fail.
Before accepting the loan, the customer should check:
The individual loan documents take priority over app-store examples and general website information.
LF Lending advertises application results within several minutes. Its website states that approved funds may be released in as fast as five minutes and that disbursement services may be available 24 hours a day.
These are estimated processing times rather than guaranteed deadlines.
Approval or disbursement may take longer when:
The company states that it does not require an upfront release fee before approved funds are sent. Anyone requesting an advance payment to a personal account should not be treated as an authorized representative.
The company website displays a range of payment and technology partners, including:
Displaying a company logo on the website does not necessarily mean that every channel is available for every borrower. The customer should use only the repayment options shown in the active LF Lending account.
The company’s service agreement states that repayment may be completed through:
The agreement states that cash repayments are not accepted directly by the lender.
Before paying, the borrower should verify:
LF Lending states that it will not ask customers to repay to a personal bank account, private wallet or unverified agent.
The official FAQ states that early repayment may be available depending on the customer’s loan status and the options displayed in the application.
Partial repayment and batch repayment of multiple obligations may also be available for eligible accounts. These features are not guaranteed for every borrower.
The public information does not clearly state whether early repayment reduces all future interest. Before paying early, the borrower should request or review a settlement calculation showing:
Eligible borrowers may be offered an extension through the repayment page in the application.
Extension is not automatically available. Eligibility depends on:
An extension may change the total repayment amount. The application should show any additional charges and the revised repayment schedule before confirmation. A confirmed extension may not be cancellable.
The company’s service agreement states that late repayment may result in:
The same agreement states that the total of interest, fees and penalties should not exceed 100% of the original loan amount. These are terms published by LF Lending; the specific charges applicable to a borrower must still be confirmed in the individual agreement.
Late payment may also result in:
Customers can request account deletion after all loan obligations have been settled.
The in-app procedure is:
Profile → Account Deletion
The company also provides a web-based deletion request. Its privacy policy states that a verified request is normally processed within 72 hours.
Deletion does not necessarily remove records that the company must retain for:
LF Lending Services Corporation is included in the current CIC list of accessing entities and the current list of submitting entities in production. It was already identified as a live submitting entity by December 2023.
Information about an LF Lending application, approved loan and repayment history may therefore become part of the borrower’s Philippine credit record.
Late, missed or unpaid obligations may affect future applications with other lenders that use CIC information.
LF Lending Services Corporation has the following confirmed regulatory details:
Company: LF Lending Services Corporation
Brand: LF Lending
SEC Registration Number: CS202001294
Certificate of Authority Number: 3225
Certificate of Authority date: February 6, 2020
The historical SEC register listed an interest rate of 4% per month. That figure should not be used as the current LF Lending price because the current Android and iPhone applications publish different APR and interest disclosures.
Company: LF Lending Services Corporation
Brand: LF Lending
Company website: www.lflendingservices.com
Brand website: www.lflendingservices.com
Android application: play.google.com/store/apps/details?id=com.lflendingservices.android
iPhone application: apps.apple.com/ph/app/lf-lending-loan-app-in-ph/id6769687402
Customer-service email: [email protected]
Data Protection Officer email: [email protected]
Developer phone: +63 917 811 1728
Customer-service hours: Monday to Saturday, 9:00 a.m. to 6:00 p.m.
Office address: 31st Floor, One San Miguel Avenue Building, San Miguel Avenue corner Shaw Boulevard, Ortigas Center, Pasig City 1600, Metro Manila, Philippines
Official Facebook page: LF Lending Services
The company and its active brand use the same website. Both current mobile applications identify LF Lending Services Corporation as the legal provider.
Yes, the Lf Lending Services Corporation is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS202001294 and Certificate of Authority No. 3225. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Lf Lending Services 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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