Singularity Lending Inc. is the former legal name of a Philippine credit company now identified in current regulatory records as Singularity Financing Inc.
The company was originally registered as a lending corporation in 2021. Its historical registration details are:
Current Credit Information Corporation records identify the business as Singularity Financing Inc., formerly Singularity Lending Inc. The date of the legal name change is not stated in the public CIC directory.
The current CIC directories associate Singularity Financing Inc. with the following registered business names:
The same list describes Singularity Financing Inc. as the former Singularity Lending Inc.
This does not necessarily mean that all seven platforms currently accept new applications. A registered business name can remain in regulatory records even when its website or application is inactive, unavailable from app stores or used only for an existing loan portfolio.
Of these brands, LPeso has the clearest publicly accessible company documentation. The company’s LPeso privacy page remains online and identifies Singularity Lending Inc., the registration number and the historical Certificate of Authority.
LPeso is an online cash-loan platform historically operated by Singularity Lending Inc. The service was distributed as the Android application LPeso Secure online loan.
The application was previously available under Android package:
ph.loanpeso.fast
A live LPeso privacy page continues to identify:
However, a current Google Play product page for the LPeso package could not be independently confirmed during this review. Third-party application trackers continue to display the app, but these listings do not prove that it remains available for new downloads in the Philippine Google Play Store.
Customers should not install LPeso from an APK mirror unless the company confirms the distribution channel.
Pesoplus was another online lending platform registered under Singularity Lending Inc. The SEC’s 2021 online lending platform list connected both LPeso and Pesoplus with the company.
The original Singularity application known as PesoPlus – Online Cash Loan was removed from Google Play in June 2022, according to historical application-tracking records.
There is currently a Google Play application called Peso Plus Loan-Safe and Fast, but it does not belong to Singularity Financing Inc. The current app identifies Sunloan Lending Investors Corporation, SEC Registration Number CS201900565 and Certificate of Authority Number 2872 as its lender.
Therefore, the current Sunloan application should not be presented as the Singularity Pesoplus product merely because the names are similar.
Wecash, Cashnow, Gopeso, Pesofree and Paay Crediti are listed as business names of Singularity Financing Inc. in the current CIC directories.
Current official application-store pages or dedicated websites conclusively connecting these names with Singularity Financing Inc. were not confirmed.
Several of the names are generic and may also resemble services operated by unrelated companies. For example, a borrower should not rely on the name “Gopeso” alone to identify the lender.
A platform should be linked to Singularity Financing Inc. only when its current loan documents display:
Singularity Financing Inc. appears in the current CIC list of accessing entities and the current list of submitting entities in production. These records use the new legal name and identify Singularity Lending Inc. as the former company name.
A corporate website under the Singularity Financing Inc. name is also publicly accessible. It describes the company as a Philippine financial-services platform providing lending and related services.
These records indicate that the legal entity remains active within the Philippine credit-information system. They do not establish that every historical loan application remains open to new borrowers.
Singularity Financing Inc. does not publish a clearly verifiable public table of current terms covering all seven registered brands.
No unified current disclosure was found for:
The corporate website provides general information about financial services but does not publish one standard consumer-loan offer applicable to LPeso, Pesoplus and the other business names.
Customers should therefore rely on the individual Disclosure Statement presented inside the verified application.
The most recent publicly available LPeso product description located during the review dates from 2024. It published the following terms:
The same historical description listed the applicant requirements as:
These terms should not be represented as a guaranteed 2026 offer. The app version, company name and product settings may have changed since the description was published.
The historical LPeso description provided an example based on:
The calculation was:
₱1,000 × 36% = ₱360
₱1,000 + ₱360 = ₱1,360.
This example used a principal below the advertised ₱1,500 minimum. It should therefore be treated only as an illustration of the interest calculation rather than a consistent representative offer.
The example also excluded any third-party payment-channel charge.
A historical SEC lending-company register listed a rate of 60% per annum for Singularity Lending Inc.
This historical figure should not automatically be used as the current price of an LPeso or other Singularity loan. Different public records have displayed different APR ranges, and the current company does not publish a single standard rate for all its registered business names.
The borrower should review the actual offer for:
No current unified eligibility guide was found for all Singularity Financing products.
The historical LPeso description required:
The LPeso privacy documentation also shows that the application process may involve employment, asset and financial information for credit assessment.
Depending on the active product, an applicant may be required to provide:
The requirements displayed in the current verified application should take priority over historical app descriptions.
Before registering, the applicant should confirm that the platform identifies the correct legal lender.
The expected historical details are:
An app using the LPeso name but displaying another company or registration number should not be treated as the same platform.
The applicant creates an account using the information requested in the application.
The registered phone number may be used for:
An OTP, password or wallet PIN should not be shared with a person claiming to guarantee approval.
The applicant provides the requested personal, employment and financial information.
All details should be accurate and consistent with the submitted identification document. Incorrect or incomplete information may delay the assessment or result in rejection.
The LPeso documentation states that the application may request:
Documents should be provided only through a verified company channel.
The LPeso application documentation refers to three emergency contacts. The user may enter the details manually or select individual contacts through the device interface.
An applicant should inform each reference before submitting that person’s information.
The borrower selects from the amount and term options presented in the account.
Historical advertised limits do not guarantee:
Before confirming the loan, the borrower should verify:
The customer should retain a copy or screenshot of the offer and signed agreement.
No current official processing-time commitment was confirmed for Singularity Financing Inc.
Historical LPeso materials described an online process designed to assess eligibility and expedite disbursement. The company’s documentation indicates that identity, employment, financial and device-related information may be used in the assessment.
The company may:
Disbursement may also be delayed by incorrect receiving details, payment-system maintenance or additional verification.
A current standard list of repayment channels was not found.
Historical company contact records show separate support channels for LPeso and Pesoplus, but they do not provide a complete current payment-partner list.
The borrower should use only the repayment details displayed in:
Before paying, the borrower should confirm:
Payments should not be sent to an unidentified personal bank account or electronic wallet.
No current public early-settlement policy was confirmed.
A borrower planning to settle before maturity should request a payoff calculation showing:
The loan should not be treated as closed until the account displays a zero balance or the lender issues written confirmation.
No current public policy explains how an unscheduled partial payment is allocated.
Before paying less than the scheduled amount, the customer should determine whether the payment will be applied to:
A partial payment may not prevent the account from becoming overdue when it is lower than the contractual installment.
No verifiable current standard late-payment schedule was found for LPeso or the other registered brands.
The individual agreement should disclose:
The absence of a public fee table does not mean that no late-payment charges apply.
Former company name: Singularity Lending Inc.
Current company name: Singularity Financing Inc.
SEC Registration Number: 2021060015436-59
Historical Certificate of Authority Number: L-21-0007-15
Historical Certificate of Authority date: June 3, 2021
Original SEC-recorded platforms: LPeso and Pesoplus
Current CIC-listed business names: LPeso, Pesoplus, Wecash, Cashnow, Gopeso, Pesofree and Paay Crediti
The current CIC directories recognize the renamed company as both an accessing entity and a submitting entity in production.
A separate current financing-company Certificate of Authority number was not independently confirmed in the public materials reviewed. Customers should verify the authority shown in any new contract directly with the SEC.
Former company name: Singularity Lending Inc.
Current company name: Singularity Financing Inc.
Registered brands: LPeso, Pesoplus, Wecash, Cashnow, Gopeso, Pesofree and Paay Crediti
Current corporate website: www.singularityfinancing.com
LPeso website and privacy page: app.singularity-lending.com/privacy.html
LPeso customer-service email: [email protected]
LPeso customer-service hours: Monday to Saturday, 8:00 a.m. to 6:00 p.m.
LPeso address: Units 203–204, Second Floor, Coherco Financial Tower, Trade Street corner Investment Drive, Madrigal Business Park, Ayala Alabang, Muntinlupa City 1780, Metro Manila, Philippines
Yes, the Singularity Lending Inc. is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. 2021060015436-59 and Certificate of Authority No. L-21-0007-15. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Singularity Lending 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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