Loan app review

Surity Cash Philippines Review: Loan Amount, APR, SEC Details, Fees, and Safer Alternatives

Surity Cash Philippines is an online personal loan app listed on Google Play under SURITY CASH LENDING INVESTORS CORP. The listing describes Surity Cash as a fast loan app for Filipino borrowers and publishes loan amount, term, APR, service fee range, sample repayment, company name, SEC registration number, certificate of authority, support email, and developer contact details.

This review checks Surity Cash from a borrower-first perspective: what the app claims, what costs to verify, how the application works, what privacy signals matter, and what alternatives to compare before accepting a loan. It is not financial advice and not a recommendation to borrow.

What is Surity Cash?

Surity Cash is a mobile loan app aimed at borrowers who want to apply online with a phone number, valid ID details, and no traditional collateral. The listing describes online application, fast approval, flexible loan amount and term selection, and direct fund transfer after approval.

Surity Cash belongs to the short-term online lending category, so it should be compared with other loan apps in the Philippines. If you need a larger or longer loan, also compare personal loans and bank personal loan options.

Is Surity Cash legit?

The Google Play listing identifies Surity Cash Lending Investors Corp. and shows SEC Registration Number CS201910185 plus Certificate of Authority No. 3013. It also includes a support email, privacy policy link, and address details for the developer.

Those details are helpful, but borrowers should still verify the current record through official SEC resources before applying. A legitimate company listing does not protect users from fake APKs, cloned ads, impersonators, or outdated screenshots. Always match the exact app, developer, company, and support channels.

Loan amount, term, APR, and service fee

The Surity Cash listing checked for this review shows:

• loan amount: PHP 1,000 to PHP 25,000;
• loan term: 91 to 180 days;
• maximum APR: 32%;
• service fee: 0% to 10%;
• interest starting from 0.5% in the listing’s wording.

The listing provides a sample: for a PHP 10,000 principal over 91 days with 10% interest and 5% service fee, the sample total repayment is PHP 10,749.32. This is useful because it separates interest from service fees, but your actual cost may vary depending on the final amount, term, fee, and risk assessment.

Before accepting a loan, compare the final offer with our loan cost comparison guide. Look at total pesos payable, not only APR.

Who can apply?

The listing says Filipino citizens aged 18 and above can apply and that only a valid ID card is required for basic eligibility. In practice, the app may still request more information for verification, risk scoring, disbursement, and repayment.

Borrowers should expect to provide a mobile number, valid ID details, personal information, and possibly financial or device-related data depending on app permissions. Do not continue if you are uncomfortable with the privacy policy or permissions requested.

Application process

The app listing describes a five-step flow:

1. Register and log in with a phone number.
2. Fill in required information and valid ID details.
3. Choose loan amount and term.
4. Submit the application for review.
5. If approved, receive funds and repay on time to improve future access.

Before submitting, check the privacy policy, final loan summary, total repayment, due date, and repayment channel. Keep screenshots of the approved offer, agreement, and every receipt.

Privacy and data safety

The Google Play data safety summary for Surity Cash says the app may collect personal information, financial information, and other categories. It also says data is encrypted in transit and that users can request data deletion. Those are useful signals, but they do not replace reading the full privacy policy.

Loan app borrowers should check whether the app requests access to contacts, SMS, call logs, photos, camera, location, app list, or storage. Some permissions may be justified for identity and fraud checks, but excessive access can increase privacy and collection risk. Read Loan App Privacy in the Philippines before installing any new lending app.

Pros of Surity Cash

• Public pricing range. The listing shows amount, term, APR, service fee range, and a sample computation.
• Company details shown. SEC registration, certificate of authority, support email, and developer address are visible in the listing.
• Longer term than many short OLAs. The displayed 91 to 180 day term may be easier to plan than seven-day loans.
• No collateral positioning. The app is positioned for unsecured online borrowing.

Cons and risks

• Service fee can materially change cost. A 10% service fee can be significant even when APR looks manageable.
• Final offer may differ from sample. The app’s approved amount, term, and fee can vary by user.
• Privacy needs review. Personal and financial data collection should be understood before applying.
• Clone risk. Fake ads or APKs may impersonate a real app.
• Repeat borrowing risk. Improving access through repayment can lead to bigger debt if used too often.

Surity Cash alternatives

Compare before applying, especially if the final repayment feels high:

• Tala Philippines
• JuanHand Philippines
• Digido Philippines
• PesoMate Philippines
• BillEase Philippines

Borrower checklist

• Verify Surity Cash Lending Investors Corp. with SEC resources.
• Use only the official app store listing.
• Check SEC Registration No. CS201910185 and CA No. 3013.
• Read privacy policy and permission prompts.
• Check the final service fee, APR, due date, and total repayment.
• Avoid any agent asking for upfront release fees.
• Save screenshots and receipts until fully paid.

FAQ

Who operates Surity Cash?

The Google Play listing identifies Surity Cash Lending Investors Corp. as the developer/company.

How much can I borrow?

The listing shows PHP 1,000 to PHP 25,000. Your actual approved amount may be different.

What is the displayed APR?

The listing shows a maximum APR of 32%, with service fees from 0% to 10%. Always check the final contract.

Is Surity Cash better than a bank loan?

It depends on your need. A loan app may be faster for small amounts, while bank personal loans may be better for larger amounts, longer terms, and lower total cost if you qualify.

What if collection becomes abusive?

Save messages, call logs, agreement pages, and receipts. Then use formal complaint routes and our guide on reporting loan apps.

Sources checked

• Google Play listing for Surity Cash — Easy and Fast Loan
• Surity Cash app support and privacy policy references from the listing
• LoanAppsPH internal loan app, privacy, reporting, and loan cost comparison guides