Loan amount
₱1,000 — ₱30,000
Interests
APR 182%
Term
from 7 days to 6 months
Warm Cash Lending Corp. is a licensed Philippine lending company that operates the Honey Loan online lending brand, providing short‑term consumer loans fully through digital channels.
Warm Cash Lending Corp. is a consumer lending services provider incorporated in the Philippines on 19 March 2021 and registered with the Securities and Exchange Commission (SEC) under Registration No. 2021030009095‑02.
The company conducts its lending business online under the brand names Honey Loan and Well Cash, focusing on unsecured cash loans for individual consumers.
Honey Loan is presented as the official online lending platform of Warm Cash Lending Corp., which holds SEC Certificate of Authority No. 3472 to operate as a lending company in the Philippines.
Warm Cash Lending Corp. offers consumer loans with terms of up to 6 months, issued online through the honeyloan.ph website and the Honey Loan mobile app.
The Honey Loan app advertises loan amounts up to PHP 30,000 without collateral, with flexible repayment periods up to 180 days and a maximum APR in the mid‑30% range (around 35–36% per year).
A representative example shows a PHP 3,000 loan for 6 months with a fixed daily interest rate of 0.096%, total repayment of PHP 3,487, and no additional fees or commissions.
The company uses a fully digital, online loan‑issuance model, where customers apply, get assessed, and receive funds via web or mobile channels without visiting a physical branch.
According to its business description, Warm Cash Lending Corp. aims to transform financial services through innovative and client‑centric solutions, continuously growing its customer base while prioritizing technology.
Honey Loan highlights features such as fast approval in about 15 minutes, 24/7 application availability, instant disbursement via GCash, Maya, or bank transfer, and management of loans directly in the app.
Warm Cash Lending Corp. appears on official lists of recorded online lending platforms and licensed lending companies maintained by the Philippine SEC, confirming its authorization to operate.
Honey Loan’s FAQ states that Honey Loan is an online lending platform registered by Warm Cash Lending Corp., which is SEC‑registered and has the necessary licenses to operate in the Philippines.
The Honey Loan app description notes that the service complies with the Data Privacy Act and emphasizes secure handling of customer information in line with regulatory standards.
Warm Cash Lending Corp. was incorporated in 2021 and developed its products with the goal of providing modern, technology‑driven lending services for Philippine consumers.
The company reports that it has focused on launching operations, ensuring a secure and compliant loan‑issuance process, and rapidly expanding its loan portfolio and customer base.
In recent years, Warm Cash Lending Corp. has operated under the Honey Loan brand after changes in shareholding and strategic positioning in the fintech and consumer‑lending sector.
1. What is Warm Cash Lending Corp.?
Warm Cash Lending Corp. is a SEC‑registered Philippine lending company that provides unsecured consumer loans online via the Honey Loan platform.
2. Is Warm Cash Lending Corp. / Honey Loan legit?
Yes, Honey Loan is operated by Warm Cash Lending Corp., which is registered with the SEC under Registration No. 2021030009095‑02 and holds Certificate of Authority No. 3472 to engage in lending.
3. What type of loans can I get?
Borrowers can access short‑term personal loans (consumer loans) of up to about PHP 30,000, typically with repayment terms of up to 6 months (around 180 days).
4. What are the interest rates and charges?
Honey Loan indicates a maximum APR of roughly 35–36% per year and provides an example of a 6‑month loan where PHP 3,000 becomes PHP 3,487 total repayment, with no extra fees or commissions.
5. Who can apply for a loan?
Typical eligibility includes being a Filipino resident aged about 20–60 with an active mobile number; applicants must submit required personal and contact details through the app or website.
6. How do I apply for a Warm Cash / Honey Loan?
Users download the Honey Loan app or visit honeyloan.ph, fill out the loan application form, submit requested information, and then wait for digital verification and approval.
7. How fast is approval and disbursement?
The Honey Loan app advertises verification and approval in a matter of minutes (around 15 minutes), followed by instant disbursement to GCash, Maya, or a bank account once approved.
8. How do I repay my loan?
Repayment is made through the channels supported in the app, which may include e‑wallets and bank transfers, with schedules and amounts shown inside the Honey Loan interface.
9. Is my personal data safe with Warm Cash / Honey Loan?
The service states that it complies with Philippine data‑privacy requirements and is operated by a properly licensed lending company, which implies regulated handling of personal data.
10. Where can I see official information about Warm Cash Lending Corp.?
Warm Cash Lending Corp. and Honey Loan appear in official SEC and related lists of licensed lending companies and online lending platforms, which can be accessed via regulatory publications and notices.
Yes, the Warm Cash Lending Corp. is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. 2021030009095-02 and Certificate of Authority No. 3427. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Warm Cash Lending Corp.", 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.
Honey Loan is a SEC-registered online lending platform in the Philippines operated by Warm Cash Lending Corp. According to their official app information, they hold SEC Registration No. 2021030009095-02 and Certificate of Authority No. 3427, making them a registered entity with the Securities and Exchange Commission. You can apply for a loan using your smartphone or laptop, get approved in minutes, and receive the money through your e-wallet or bank account.
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