E-Generation Lending Corporation is a Philippine lending company operating several registered online lending brands. Its principal currently verified consumer platform is Mr.Cash, an Android application offering unsecured personal loans to eligible Filipino borrowers.
The company is registered with the Philippine Securities and Exchange Commission under:
E-Generation Lending Corporation remained included in the SEC list of registered lending companies dated August 31, 2024. It is also currently included in the Credit Information Corporation lists of accessing entities and submitting entities in production.
Current CIC records associate E-Generation Lending Corporation with seven business names:
The same group of names appeared in earlier SEC records for the company.
Not all seven brands can be confirmed as currently accepting new applications. Of these platforms, Mr.Cash has the clearest evidence of current operation:
Current official application-store pages for Pesopay Lending, Cash-here Lending, Snappy Cash Lending, MyWallet Lending, PesoBox Lending and LoanUp Lending were not confirmed. These names should therefore be described as registered company brands rather than automatically treated as active 2026 loan applications.
Mr.Cash is an active Android lending application published by E-Generation Lending Corporation.
The current Google Play listing shows:
com.mr.Inclusive;The listing also links to the official Mr.Cash website and privacy policy.
An active Philippine iPhone application operated by E-Generation Lending Corporation was not confirmed. Apple maintains a developer page for the company, but it does not currently display a verifiable Mr.Cash consumer application.
The Google Play description updated in July 2026 publishes the following general conditions:
The maximum ₱50,000 amount is not guaranteed. The application states that borrowers may become eligible for higher limits after developing a satisfactory repayment history.
The public description does not state a guaranteed minimum interest rate or explain whether every customer can obtain the full 181-day term. The actual amount, rate and repayment schedule depend on the individual offer.
The current Google Play application provides an example based on:
The calculation is:
₱4,000 × 12% ÷ 365 × 91 = ₱119.67
₱4,000 + ₱119.67 = ₱4,119.67
The example assumes three approximately equal payments. It does not guarantee that another customer will receive a 12% annual rate.
The official Mr.Cash website publishes conditions that differ materially from the current Google Play description.
The website advertises:
The current Google Play listing instead advertises:
A daily rate of 0.5% is equivalent to approximately 182.5% per year when multiplied by 365 days without compounding:
0.5% × 365 = 182.5%.
This is not consistent with a maximum APR of 36%.
Older cached versions of the official Google Play page also displayed a maximum APR of 182.5%, a monthly effective rate of approximately 14.81%–15% and a one-time service fee of 10%–20%. The July 2026 Google Play description no longer publishes those figures.
Because the company’s public disclosures have changed and remain inconsistent, borrowers should rely only on the Disclosure Statement and loan agreement presented for the specific transaction.
The individual offer should clearly state:
A historical SEC register published a rate of 60% per annum for E-Generation Lending Corporation.
This historical figure should not be presented as the current price of every Mr.Cash loan because the current Google Play application publishes a maximum APR of 36%, while the company website continues to advertise a 0.5% daily rate.
The individual Disclosure Statement takes priority over historical SEC rate tables, website summaries and app-store examples.
The current Google Play description publishes the following basic eligibility requirements:
Examples of identification documents previously listed by the application include:
The current description uses the broader requirement of at least one valid government-issued ID.
Meeting the basic conditions does not guarantee approval. E-Generation Lending Corporation may:
The privacy policy states that lending decisions may be made using automated credit and underwriting models with little or no human involvement. A rejected applicant may request human review through customer service.
The customer should use the application published by E-Generation Lending Corporation.
Before installation, the applicant should verify:
An APK received through an unidentified website, Facebook page, Telegram message or private SMS should not be assumed to be official.
The customer registers using an active personal mobile number.
The number may be used for:
The borrower should not disclose an OTP, password, bank PIN or electronic-wallet PIN to anyone claiming to guarantee approval.
The applicant provides the information requested in the application. This may include:
The information should be complete and consistent with the applicant’s identification documents.
The application may request:
The privacy policy states that third-party liveness technology may be used to confirm that the applicant is the person shown in the identification document.
The applicant chooses from the offers available in the account.
The public range of ₱1,000 to ₱50,000 and 91 to 181 days does not mean that every customer can select every amount or term.
The applicant provides a supported bank account or electronic-wallet account.
The account should normally belong to the borrower. Incorrect or restricted receiving details may prevent the transfer.
Before accepting the loan, the customer should compare:
This is particularly important because earlier Mr.Cash disclosures referred to service fees deducted in advance, while the current Google Play description does not explain whether such a deduction still applies.
The applicant should confirm the loan only after understanding the complete cost.
Screenshots or copies should be retained of:
Mr.Cash advertises a simplified and fast review process.
The official website states that loan disbursement is completed within 24 hours, excluding weekends and holidays. This is an estimated service period rather than a guaranteed deadline.
Approval or payment may take longer when:
Submitting an application does not guarantee approval, immediate disbursement or access to the maximum limit.
The current application states that timely repayment may help a customer become eligible for a higher loan limit.
A successful previous repayment does not guarantee:
Every repeat loan is a separate transaction and should have its own Disclosure Statement and agreement.
The public Google Play description does not provide a complete fixed list of repayment partners.
The privacy policy confirms that the application can generate or save a repayment QR code, which may then be uploaded to an electronic-wallet application. The precise available channels should be checked inside the active Mr.Cash account.
Before paying, the borrower should verify:
The borrower should retain the receipt or transaction-reference number until the payment appears in the application.
Money should not be transferred to an unidentified personal bank account or electronic wallet belonging to someone claiming to be a collection agent.
The public website and current Google Play description do not publish a clear standard early-settlement policy.
A customer planning to repay before the contractual due dates should request or review a payoff calculation showing:
It should not be assumed that early repayment automatically cancels every future charge.
The loan should be treated as closed only after the application displays a zero balance or the company provides written confirmation.
The Google Play page describes the 91- to 181-day period as including any renewal time. This suggests that renewal or extension may form part of the maximum published term.
However, the public description does not explain:
A borrower should not assume that an extension is guaranteed. Any revised due date and additional charge should be confirmed in writing before payment.
The current public Google Play description does not publish a standard late-payment penalty.
The individual agreement should specify:
A borrower expecting repayment difficulty should contact the company before the due date and request any proposed arrangement in writing.
Company: E-Generation Lending Corporation
Primary confirmed active brand: Mr.Cash
Other registered business names: Pesopay Lending, Cash-here Lending, Snappy Cash Lending, MyWallet Lending, PesoBox Lending and LoanUp Lending
SEC Registration Number: 2021070020530-12
Certificate of Authority Number: L-21-0036-70
Registration and authority date: July 23, 2021
TIN published by the application: 600-784-760-00000
Historical SEC rate: 60% per annum
Current Google Play maximum APR: 36%
Daily rate currently advertised by the website: from 0.5% per day
The company is present in the SEC’s August 2024 lending-company list and in current CIC records. Mr.Cash is actively distributed through Google Play in July 2026.
Company: E-Generation Lending Corporation
Primary active brand: Mr.Cash
Other registered brands: Pesopay Lending, Cash-here Lending, Snappy Cash Lending, MyWallet Lending, PesoBox Lending and LoanUp Lending
Mr.Cash website: www.mrcash.vip
Android application: play.google.com/store/apps/details?id=com.mr.Inclusive
Customer-service email: [email protected]
Data Protection Officer and compliance email: [email protected]
Customer-service hotline — Smart: +63 969 489 3099
Customer-service hotline — Globe: +63 915 958 9713
Google Play developer phone: +63 917 159 1776
Data Protection Officer phone: +63 917 712 7907
Google Play product-page office address: 17th Floor, The Orient Square Building, Ortigas Avenue, Ortigas Center, Pasig City, Metro Manila, Philippines
Google Play developer address: Level 29, Joy-Nostalg Centre, 17 ADB Avenue, Ortigas Center, Barangay San Antonio, Pasig City 1605, Metro Manila, Philippines
Privacy-policy and DPO address: Unit 1806A, The Orient Square Condominium, F. Ortigas Jr. Road, Ortigas Center, Pasig City, Metro Manila, Philippines
The current official sources publish three different Pasig addresses. Customers planning to visit an office should confirm the correct location with customer service before travelling.
Yes, the E-generation Lending Corporation is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. 2021070020530-12 and Certificate of Authority No. L-21-0036-70. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "E-generation Lending 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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