MoneyCat
our ratingBest for A first loan at 0%
Direct lenderSECCA 1254
- Amount
- ₱500 – ₱20,000
- Term
- 3 – 6 months
- Rate
- 0% on a first loan; around 11.9% a month afterwards
HoneyLoan review
Direct lender4.3/5The clearest pricing in this set. HoneyLoan publishes a worked example at an effective 12% a month, which is exactly the ceiling the SEC applies to capped short-term loans — evidence it has repriced deliberately rather than trading on the gaps. That makes it compliant rather than cheap, and it is the one we would point a first-time borrower to who wants to know the total before committing.
Best for Knowing the cost before you apply
- Loan amount
- ₱1,000 – ₱30,000
- Repayment term
- 61 – 364 days
- Advertised rate
- 0.4% a day — an effective 12% a month
- Fees
- Published example: ₱3,000 over 180 days — ₱2,160 interest and fees, repay ₱5,160 in ₱860 monthly instalments
Direct lenderSECCA 3472
HoneyLoan lends its own money, so the company you apply to is the company that holds your loan.
Warm Cash Lending Corp. holds an SEC Certificate of Authority (CA No. 3472) and appears on the SEC list of recorded online lending platforms. Checked 2026-08-19.
Upgraded from self-declared to confirmed on 2026-08-19. An SEC Freedom of Information response lists Honey Loan among the recorded online lending platforms, operated by Warm Cash Lending Corp. The operator publishes SEC Registration 2021030009095-02 and Certificate of Authority 3472 on its site and in its App Store listing. Noted discrepancy: one third-party directory attributes HoneyLoan to a different company with CA 3427 — a digit transposition of 3472, and inconsistent with both the SEC response and the operator, so we have disregarded it.
Our rating
out of 5 — Very good
Our own assessment, not a customer poll. Scored on 6 of the 6 criteria that apply to a direct lender, covering 100% of the rubric weight. How we rate
- Regulatory standing · 25%
- 10/10
- Cost of credit · 20%
- 5/10
- Cost transparency · 20%
- 9/10
- Who you borrow from · 15%
- 9/10
- Data handling · 10%
- 8/10
- Getting approved · 10%
- 8/10
Sub-scores are held on a 0–10 scale and shown that way for precision; the headline converts them to the 5-point scale.
Key facts
| Loan amount | ₱1,000 – ₱30,000source |
|---|---|
| Repayment term | 61 – 364 dayssource |
| Advertised rate | 0.4% a day — an effective 12% a monthsource |
| Fees | Published example: ₱3,000 over 180 days — ₱2,160 interest and fees, repay ₱5,160 in ₱860 monthly instalmentssource |
| First-loan offer | See lender terms |
| Registered name | Warm Cash Lending Corp. |
We publish a figure only where we can point at the provider’s own published page. Everything else says “see lender terms”.
Who it suits
Suits you if you would rather know exactly who holds your loan and keep your details with one company. Check its published terms against the effective-rate ceiling before you apply.
Trade-offs
In its favour
- You borrow from the company you applied to: one credit check, one point of contact, one company holding your data
- Terms come from the lender itself rather than a range across unnamed partners
- Easier to hold to account, because there is a named licensee behind the loan
Against it
- Priced right at the regulatory ceiling rather than below it: an effective 12% a month is the maximum the SEC allows on capped short-term loans, so compliant is not the same as cheap
- An unrelated comparison site trades under a near-identical name at honeyloan.net and states it is not a lending company. Make sure you are on honeyloan.ph
- One set of eligibility rules. If you do not fit them you are declined outright rather than matched elsewhere
- A single lender is rarely the cheapest option for every borrower profile
Before you apply
- Ask for the total cost in pesos, not the daily rate. Then put it through the loan calculator to see the effective rate and whether it sits inside the ceiling.
- Check the operator name on the SEC lists — the brand on the app is often not the licensed company.
- If an app asks for your contacts or photos, that is the setup for the debt-shaming this market has a history of. Refuse it.
Questions people ask about HoneyLoan
Is HoneyLoan SEC-registered?
Yes. An SEC Freedom of Information response lists Honey Loan among the recorded online lending platforms, operated by Warm Cash Lending Corp. The operator publishes SEC Registration 2021030009095-02 and Certificate of Authority 3472.
What does a HoneyLoan loan cost?
HoneyLoan publishes 0.4% a day, which is an effective 12% a month — exactly the 2026 ceiling for small short loans. Its own example is ₱3,000 over 180 days repaid at ₱5,160 in six monthly instalments of ₱860; a 180-day term sits outside the capped bracket.
How much and how long?
₱1,000 to ₱30,000 over 61 to 364 days, per its published terms — the longest published term among the direct lenders we track.
We earn a commission when you apply through some of the links on this page, and that can affect the order providers appear in. It does not affect whether we tell you a provider is a broker rather than a lender, or that we could not verify its registration.
Borrow only what you can repay. Compare the effective interest rate, including fees, rather than the advertised daily or monthly rate — they are not the same number. Missing payments adds penalties and is reported to the credit bureau. If a lender or collector threatens you or contacts the people in your phone, that is prohibited, and you can report it to the SEC.
Borrower reviews
Nobody has submitted a review of HoneyLoan yet. When they do, they appear here in full — we do not write them ourselves and we do not buy them in.
Borrowed from HoneyLoan?
Tell other people what actually happened — the amount you were offered, the fees you were charged, how collection was handled. We publish real submissions only, and we read each one first.
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Alternatives to HoneyLoan
Other providers we list for the same need, each rated on the same rubric.
Finbro
our ratingBest for Larger amounts, up to ₱50,000
Direct lenderSECCA 1324
- Amount
- ₱1,000 – ₱50,000
- Term
- Up to 12 months
- Rate
- 0% – 144% APR
Kviku
our ratingDirect lenderSECCA 3169per operator
Prices above the cap
- Amount
- Up to ₱50,000
- Term
- 61 – 180 days
- Rate
- 0% – 2% per day; maximum annual rate 730%
We earn a commission when you apply through some of these links, which can affect the order. It never affects the rating, the lender/marketplace label or the SEC status.
What we still have to check on this provider (6)
- Confirm the registered corporate name and Certificate of Authority on the SEC list
- Check the SEC advisories list for both the brand name and the operator name
- Record amount range, term range and advertised rate from the provider's own published page, with the URL
- Note which fees are charged up front and whether they are disclosed before application
- If there is an Android app, list the permissions it requests, especially contacts and storage
- Check whether it appears on the SEC list of recorded Online Lending Platforms, not merely incorporated
Published openly on purpose. A review that hides its own gaps is asking you to trust it more than it has earned.
Last reviewed 2026-07-25.