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PitaCash review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

PitaCash is a direct lender for personal loans in the Philippines at an APR of 27%, with no advance deduction and approval often within hours. It suits borrowers with a steady income who need a small amount quickly, and repaying on schedule matters because free early repayment is not offered.

Key facts

Best for
Filipino borrowers in the Philippines who need a small personal loan quickly, with an income and a valid ID.
APR
27%↗
Loan amount
₱1,000 to ₱25,000↗
Term
4 to 6 months↗
Arrangement fee
0 PHP (no advance deduction)↗
Funding time
10 minutes to 3 hours for approval, then a few minutes to receive the cash↗
Representative example
5,000 PHP for 120 days at 27%: interest 1,350 PHP, total payable 6,350 PHP↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Filipinos living in the Philippines, aged 21 to 70, with an income; employed or business owner/self-employed; one valid ID↗
Loan types
Personal↗
Legal entity
Finance Technologies Inc.↗
Headquarters
Philippines↗
Support channels
Email, Chat, Phone, Help-centre↗
Features
Same-day funding
Official website
pitacash.ph

Facts checked September 26, 2026, 3 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • The origination fee is 0 PHP (no advance deduction), so no cost is taken off before the money arrives
  • Approval is quick, with same day funding listed and cash reaching you within minutes of a decision
  • It lends rather than brokering, so Finance Technologies Inc. sets the terms on the loan
  • Support runs through email, chat and phone

Cons

  • APR of 27% sits above the alternatives, and the term is limited to 4 to 6
  • Free early repayment is not offered, so clearing the balance early does not reduce the interest
  • Support runs on email, chat and phone only
PitaCash

Ready to try PitaCash?

Scored 8.9 / 10 by SumCue.

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Who it suits

  • Filipino residents in the Philippines who have an income, whether employed or running a business
  • Borrowers who can carry the loan across a 4 to 6 term and repay on schedule
  • People who put speed above a lower rate, since same day funding is a listed feature

Who should look elsewhere

  • Cashspace, which advertises an APR of PHP 12 to PHP 36 against PitaCash's 27%
  • Sofkredit, whose rates run 10.74% to 18.06%
  • Creduma ES, which lends from from €12,000 for larger sums

Who runs it

PitaCash is operated by Finance Technologies Inc., a company based in Philippines. It lends under a Certificate of Authority from the Securities and Exchange Commission (Philippines), recorded as CS201902369 (Certificate of Authority No. 1200). Customer help is offered through email, chat and phone, so a loan question can be raised by phone, chat or email.

How PitaCash compares

Where PitaCash is available

Available
Philippines
Licence in Philippines
Securities and Exchange Commission (Philippines) (CS201902369 (Certificate of Authority No. 1200)), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does PitaCash charge?+

PitaCash charges an APR of 27% on its personal loans, and the representative example shows the interest added to the amount repaid. That sits well above the alternatives, so the cost depends on clearing the balance inside a 4 to 6 term.

What does PitaCash charge in fees?+

There is no advance deduction: the origination fee is 0 PHP (no advance deduction). That means you receive the full amount you applied for, and the cost sits in the interest rather than being taken off up front.

How much can I borrow and for how long?+

Loan amounts run PHP 1,000 to PHP 25,000 and the term runs 4 to 6. Because the term is short, the interest is added to a balance you need to clear quickly, so budgeting for the whole repayment matters.

How fast is the money?+

Approval usually comes quickly and same day funding is listed, so the cash can reach you within minutes of a decision. That suits an urgent expense rather than a planned purchase, so keep a fallback in place in case a decision takes longer.

Is PitaCash regulated?+

PitaCash holds a Certificate of Authority from the Securities and Exchange Commission (Philippines), recorded as CS201902369 (Certificate of Authority No. 1200). It lends in its own name, so it is the entity that sets the terms on your loan.

Who can apply?+

Applicants are Filipino residents in the Philippines, at least of adult age, with an income as an employee, business owner or self-employed person. A valid ID is the stated requirement, and applications run in that market only.

Can I repay early without a charge?+

Free early repayment is not offered, so settling the balance before the end of the 4 to 6 term does not cut the interest. Plan the loan around the full term and repay on schedule.

How do I get help if something goes wrong?+

Help is available through email, chat and phone, so a question can go to the team by phone, chat or email, or be looked up in the help centre. Keep your agreement details to hand, as the phone line is usually the fastest route.

Sources

  • pitacash.ph checked September 26, 2026

    Backs: Features, Free early repayment, Support channels

    “Receive money within 30 minutes and feel safe.”

  • pitacash.ph/about-us checked September 26, 2026

    Backs: Legal entity, Lender type, Licences

    “PitaCash is a registered service mark of Finance Technologies Inc. SEC Registration No.: CS201902369”

  • play.google.com/store/apps/details checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Funding time, Headquarters, Loan types, Arrangement fee, Representative example, Term

    “PitaCash can provide Php. 1,000 up to Php. 25,000”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

Related by the facts

PitaCash

PitaCash

Filipino borrowers in the Philippines who need a small personal loan quickly, with an income and a valid ID.

8.9/10See alternatives