E-Perash review: the registration checked, and the complaint on record

What E-Perash is

E-Perash is a cash loan app operated by Scoreone Financing Corp., a Philippine financing company. It is not one of the providers we have an arrangement with, and it is here for the same reason as BillEase: readers keep searching for it, and most of what comes back is either the operator’s own copy or review sites that have not checked anything.

The registration check

This one passes on the strongest basis available. In a Freedom of Information response dated February 2022, the SEC stated that E-Perash is the recorded online lending platform of Scoreone Financing Corp. That is a regulator statement about the platform and its operator, and it is the same kind of evidence behind our MoneyCat and HoneyLoan confirmations.

The operator publishes SEC Registration No. CS201919995 and Certificate of Authority No. 1257. We quote those as the operator’s figures, not as confirmed ones: the FOI letter names the company and the platform, and we have not separately matched the numbers against the SEC’s own list. Verify the company name — Scoreone Financing Corp., not the brand — on the SEC list yourself; is this loan app legit? explains what each of the three lists proves.

What a loan costs

We cannot tell you, and neither can the review sites that try. E-Perash does not publish a single rate on a page we can link to, and the third-party figures disagree with one another in the way that means nobody checked. The binding price is the total in pesos on the in-app disclosure statement, shown before you accept. Put that figure through our loan calculator: for a loan of ₱10,000 or less over four months or less, the effective rate cannot lawfully exceed 12% a month and the total cost cannot exceed the principal under the 2026 SEC ceiling. Anything larger or longer is outside the cap, and the disclosure statement is your only protection.

The complaint on record

In November 2023 a borrower filed a report about the app through the SEC’s Freedom of Information portal, and the record is public. The complaint describes an approved loan of ₱3,500 from which ₱2,225 was actually received, and alleges harassment in collection. We note it for what it is: one documented complaint, not a finding. Two things in it are worth a borrower’s attention regardless. Fees deducted before release are lawful only if they were disclosed before you accepted, and since April 2026 they count toward the effective-rate ceiling on a covered loan. And harassment in collection — contacting your phonebook, threats, public shaming — is prohibited for every SEC-supervised lender; what happens if you don’t pay an online loan sets out the line and where to report a lender that crosses it.

Before you install

• Check the developer on the store listing is Scoreone Financing Corp. A recorded platform is published by its recorded operator, and similar names under other developers are different companies.
• Read the permissions. Camera for ID verification is expected; contacts and gallery are not needed to lend you money and are the technical precondition for the collection practices described in the complaint above.
• Compare the amount released with the amount on the disclosure statement the moment the money lands, and screenshot both.

Who it suits

A borrower who has confirmed the developer, read the in-app total, and found it inside the ceiling for a small short loan. A borrower who has not done those three things suits a lender that publishes its terms in the open: Finbro and MoneyCat both do, and both registrations rest on SEC statements.

Where we stand

We have no affiliate relationship with E-Perash or Scoreone Financing Corp. and earn nothing if you use it. It appears here because readers search for it. The online loan comparison covers the providers we do track, scored on the same rubric and with each one’s registration status beside its name.