Thrift Platinum Lending Corp.

Thrift Platinum Lending Corp.

Thrift Platinum Lending Corp. is a Philippine lending company registered with the SEC under Registration No. 2020120004404-02. Its Certificate of Authority is No. 3380. The company operates the online lending platform MoreGold.

Brand operated by the company

The company’s confirmed recorded online lending platform is:

• MoreGold.

Older versions of the application may appear under names such as MoreGold-Libreng Loan App. The active Google Play listing uses the name Moregold and identifies Thrift Platinum Lending Corp. as the developer.

What MoreGold does

MoreGold provides small, unsecured online cash loans to Filipino borrowers. The entire process is completed digitally without collateral or a branch visit.

The service may be used for emergencies, household expenses, bills, medical needs, and other short-term personal expenses.

MoreGold loan terms

The current Google Play listing, updated on 10 July 2026, publishes the following terms:

• loan amount from PHP 3,000 to PHP 10,000;
• advertised term from 90 to 120 days;
• daily interest rate of 0.35%;
• monthly effective interest rate of 10.5%;
• maximum APR of 126%, including applicable charges;
• no collateral required.

The platform provides the following representative example:

• principal: PHP 6,000;
• term: 100 days;
• daily interest: PHP 21;
• total interest: PHP 2,100;
• total repayment: PHP 8,100.

The 0.35% daily rate applies to the outstanding loan under the assumptions shown in the example. The actual Disclosure Statement may contain additional information about payment dates, taxes, fees, and penalties.

A daily rate of 0.35% creates a high total borrowing cost when maintained for several months. Applicants should compare the net amount received with the full repayment amount rather than looking only at the daily percentage.

How to apply for MoreGold

The application process includes:

1. Downloading the official MoreGold app.
2. Registering with an active mobile number.
3. Completing identity verification.
4. Entering personal and employment information.
5. Uploading a valid government-issued ID.
6. Selecting the required loan amount.
7. Reviewing the interest, fees, term, and total repayment.
8. Confirming the loan agreement.
9. Receiving approved funds through a bank account or supported electronic wallet.

Approval depends on the company’s identity, credit, employment, income, and affordability checks.

MoreGold application

The official Android application is available on Google Play under the name:

Moregold

Google Play package:

com.fastmore.gold.loan.ph

The application had more than one million downloads when checked and was updated on 10 July 2026. A confirmed official iPhone version was not identified.

Borrowers should verify that the developer displayed in Google Play is:

THRIFT PLATINUM LENDING CORP.

MoreGold contact information

Official website: moregoldph.com

Corporate information website: thriftplat.com

Customer service email: [email protected]

Corporate or developer email: [email protected]

Telephone: +63 965 395 5069

Customer service hours published in Google Play:

Monday to Friday, 8:00 a.m. to 6:00 p.m.

Office address: 8th Floor, Co Ban Kiat Building II, 231 Juan Luna Street, Binondo, Manila 1008, Metro Manila, Philippines

Company registration details:

SEC Registration No. 2020120004404-02
Certificate of Authority No. 3380

Microfinance Maximum Savings Bank, Inc., was registered with the Securities and Exchange Commission on 21 July 2005 under S.E.C. Registration No. CS200512802. It was incorporated on 15 July 2005 and was granted authority by the Bangko Sentral ng Pilipinas on February 2006 principally to engage in the general business of a thrift bank with microfinance orientation. Also known as MAXBANK - A Thrift Bank, it operates in No. 54, Barangay Sabang, Puerto Galera, Oriental Mindoro, with Other Banking Office (080) at Unit 1502, 15F 139 Corporate Center, 139 Valero Street, Makati City; and two (2) Micro-Banking Offices located at GF Home Mark Bldg., JP Rizal St., Camilmil, Calapan City; and #24 Antonio Pastor Bldg., P. Burgos St., Batangas City. The Bank has a 7-member Board spearheaded by Chairman, Mr. Maximilian Oppacher, Vice-Chairman, Dr. Tan Seng Chuan and President/CEO Mr Randy Romano 0. De Castro. Other Members are Ms. Norma Sit, Mr. Josef-Dax Aguilar, Ms. Nida C. Suba and Mr. Eduardo G. Jumangit. Aside from microfinance loans, the Bank also grants small and medium enterprise loans and business loans and engages in receiving deposits from public such as savings passbook account and time deposits. It also provides other services such as safe deposit boxes, domestic and foreign remittances and payroll services.