CEIMMARJ Financing Incorporated is a Philippine financing company providing business loans and digital consumer loans. Its principal active mobile-lending brand is Mega Peso.
The company also operates a corporate lending business focused on small and medium-sized enterprises. Its official corporate website offers secured and unsecured business loans, while the Mega Peso application provides smaller personal loans through Android and iPhone devices.
CEIMMARJ Financing Incorporated was registered with the Philippine Securities and Exchange Commission on June 6, 2003. It publishes SEC Registration Number CS200308112 and Certificate of Authority Number 330.
The company’s main currently verified digital lending brand is Mega Peso.
Mega Peso is available through official Android and iPhone applications. Both application stores identify CEIMMARJ Financing Incorporated as the developer and display the same SEC Registration Number and Certificate of Authority.
A separate website under the name CEIMMARJ Cash also remains accessible. It describes an online loan product offering amounts from ₱2,000 to ₱20,000. However, no current official application-store listing under the CEIMMARJ Cash name was confirmed. Its published product information differs from the current Mega Peso conditions, so it should be treated as an older or secondary company platform rather than the principal current brand.
The company therefore has three distinct public channels:
Mega Peso is an active lending application.
The Android application has more than one million downloads and was updated on July 16, 2026. The iPhone application is also available and identifies CEIMMARJ Financing Incorporated as its provider.
The current application name differs by operating system:
Despite the different titles, both applications publish the same lender, registration details, general loan limits and customer-service contacts.
The current Mega Peso application publishes the following general conditions:
The maximum ₱50,000 amount is not guaranteed. The application states that customers may begin with a smaller amount and qualify for higher limits after establishing a satisfactory repayment history.
The iPhone description publishes an APR range of 12% to 29.2%, while the Android page clearly states only the maximum APR of 29.2%. The individual Disclosure Statement should show the precise rate applicable to the borrower.
The official applications provide an example based on a ₱20,000 loan issued for 91 days at an annual interest rate of 18%.
The calculation is presented as follows:
The formula used by the company is:
₱20,000 × 18% ÷ 365 × 91 = ₱897.53.
The repayment plan contains three installments:
This is an illustrative calculation. It does not guarantee that another customer will receive a ₱20,000 principal, an 18% rate or a 91-day term.
The current applications list the following basic eligibility requirements:
Meeting these basic conditions does not guarantee approval. The company may evaluate the applicant’s identity, income, existing obligations, repayment capacity and other risk factors before generating an offer.
The public application descriptions do not specify:
The requirements displayed during the current application process should take priority.
The customer should use the Android or iPhone application published by CEIMMARJ Financing Incorporated.
Before registration, the applicant should verify:
Applications distributed as APK files through private messages or unofficial websites should not be treated as verified Mega Peso applications.
The applicant registers using a personal mobile number and the information requested by the application.
The mobile number may be used for:
A borrower should not provide an OTP, PIN or password to a person claiming to guarantee approval.
The customer enters the requested personal, contact, income and employment information.
All information should be accurate and consistent with the government-issued ID. Incorrect or incomplete information may delay the review or result in rejection.
Mega Peso requires at least one valid government-issued ID. Depending on the current verification process, the applicant may also need to provide a selfie or complete a facial-verification check.
Documents should be submitted only through an official application or company channel.
The applicant selects from the loan options available in the account.
The public range is ₱1,000 to ₱50,000 for 91 to 180 days, but the company may offer:
Mega Peso states that approved funds are transferred directly to the borrower’s account. The precise supported banks and electronic wallets should be checked inside the application.
The receiving details should normally belong to the applicant. Incorrect account information may delay or prevent disbursement.
Before confirming the loan, the applicant should check:
The individual Disclosure Statement and loan agreement take priority over the general example published in the application store.
Mega Peso advertises a fast digital application without lengthy paperwork. It does not publish one guaranteed approval or transfer time in its current application description.
Processing may take longer when:
Submitting an application does not guarantee approval or immediate receipt of money.
The current application identifies the following general payment methods:
The company states that customers can repay the loan in full or in parts on or before the due date. After fully settling an obligation, a customer can submit another application and may receive a different offer.
Before making a payment, the borrower should verify:
Money should not be sent to an unidentified personal bank account or e-wallet belonging to someone claiming to represent CEIMMARJ or Mega Peso.
Mega Peso permits full or partial payment before the due date. However, the public application description does not explain:
A borrower planning to settle early should review the amount calculated in the application or request a written payoff statement containing:
The loan should not be considered closed until the account shows a zero balance.
The application states that customers can apply again after fully repaying an existing loan.
A satisfactory repayment history may help a customer qualify for:
However, the company does not guarantee approval, a higher amount or a lower interest rate for a repeat borrower. Every application remains subject to assessment.
Separate from Mega Peso, CEIMMARJ Financing Incorporated provides business loans for Philippine small and medium-sized enterprises.
The corporate website offers:
Sole proprietors, partnerships and corporations may apply. The business must generally have operated for at least one year and record average daily sales of at least ₱1,000.
The corporate website explicitly states that this channel is focused on business loans rather than personal loans. This statement does not apply to the separate Mega Peso consumer application, which is a newer digital product.
For a sole proprietorship or partnership, CEIMMARJ may request:
For a corporation, the requirements may also include:
The company states that a complete business-loan application may take up to seven business days to process. The assigned Credit Consultant contacts the applicant after a decision has been made.
CEIMMARJ’s traditional business-loan model may use:
The corporate website does not publish one standard interest rate. It states that pricing depends on:
Applicants should request a complete Disclosure Statement before signing a business-loan agreement.
The separate CEIMMARJ Cash website advertises:
These conditions differ from the current Mega Peso product, which offers amounts from ₱1,000 to ₱50,000 and terms from 91 to 180 days.
The CEIMMARJ Cash FAQ also contains old and unusually severe overdue-fee language. Because no current app-store listing for this product was confirmed, its terms should not be used to describe the current Mega Peso loan. Applicants should verify any CEIMMARJ Cash offer directly with the company before proceeding.
CEIMMARJ Financing Incorporated has the following confirmed regulatory details:
Company: CEIMMARJ Financing Incorporated
Primary active digital brand: Mega Peso
Older or secondary web brand: CEIMMARJ Cash
SEC Registration Number: CS200308112
Certificate of Authority Number: 330
Registration and Certificate of Authority date: June 6, 2003
TIN: 224-853-999-000
The historical SEC list spells the company name as “CEIMMARJ Finance, Inc.,” while the company’s current website and applications use “CEIMMARJ Financing Incorporated.” The registration number, authority number and issue date are consistent across the records.
Company: CEIMMARJ Financing Incorporated
Primary brand: Mega Peso
Company website: cfiph.com
Mega Peso website: cfiph.com
CEIMMARJ Cash website: www.ceimmarj.com
Android application: play.google.com/store/apps/details?id=com.cfiph.megapeso.loan
iPhone application: apps.apple.com/ph/app/mega-peso-pesocash-lending-app/id6746182777
General email: [email protected]
Complaints email: [email protected]
Google Play developer email: [email protected]
Telephone: +63 2 8813 2479
Complaints phone: +63 915 901 5999
Office hours: Monday to Friday, 9:00 a.m. to 6:00 p.m.
Office address: Unit 409, 4th Floor, Cityland 10 Tower II, H. V. Dela Costa Street corner Valero Street, Salcedo Village, Makati City 1227, Metro Manila, Philippines
The main current consumer brand is Mega Peso. CEIMMARJ’s corporate website separately provides traditional business loans, while the older CEIMMARJ Cash website publishes terms that should not be confused with the current Mega Peso application.
Yes, the CEIMMARJ FINANCING INCORPORATED is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. Cs200308112 and Certificate of Authority No. 330. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "CEIMMARJ FINANCING INCORPORATED", 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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