PitaCash review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

PitaCash suits Filipinos living in the Philippines who need a small personal loan quickly and can clear a high rate over a short term. It charges an APR of 27% with 0 PHP (no advance deduction) and holds a Certificate of Authority from the Securities and Exchange Commission (Philippines).

Key facts

Best for
A short, small personal loan from a Philippine lender you deal with directly.
APR
27% (Source, checked September 26, 2026)
Loan amount
₱1,000 to ₱25,000 (Source, checked September 26, 2026)
Term
4 to 6 months (Source, checked September 26, 2026)
Arrangement fee
0 PHP (no advance deduction) (Source, checked September 26, 2026)
Funding time
10 minutes to 3 hours for approval, then a few minutes to receive the cash (Source, checked September 26, 2026)
Representative example
5,000 PHP for 120 days at 27%: interest 1,350 PHP, total payable 6,350 PHP (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Filipinos living in the Philippines, aged 21 to 70, with an income; employed or business owner/self-employed; one valid ID (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
Finance Technologies Inc. (Source, checked September 26, 2026)
Headquarters
Philippines (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
pitacash.ph

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • No origination fee, since 0 PHP (no advance deduction) and there is no advance deduction
  • Approval takes about a few hours, then cash arrives within minutes
  • Lends directly as direct lender rather than passing you to a third party
  • Support runs through email, chat and phone

Cons

  • The rate of 27% is above the site median of 12%
  • Terms run 4 to 6, so cost lands hard on a small balance
  • Free early repayment is not offered
PitaCash

Ready to try PitaCash?

Scored 8.8 / 10 by BorrowCue.

See alternatives

Who it suits

  • Employed Filipinos or business owners living in the Philippines with a valid ID and income
  • Borrowers who need cash the same day and can repay over 4 to 6

Who should look elsewhere

  • Anyone wanting to borrow more than PHP 1,000 to PHP 25,000
  • Borrowers planning to clear the loan early, since free early repayment is not offered
  • Cost-first shoppers, with an APR of 27% against a site median of 12%

Safety and regulation

PitaCash lends as a direct lender from PH, operated by Finance Technologies Inc.. It holds a CS201902369 (Certificate of Authority No. 1200) issued by the Securities and Exchange Commission (Philippines), which supervises lenders in the Philippines. The representative example shows a small balance at a 27% rate over a short term, and origination runs at 0 PHP (no advance deduction) with no advance deduction from the amount you receive.

Where it sits among rivals

On loan amount, PitaCash ranks 653 of 685 brands compared, so its PHP 1,000 to PHP 25,000 sits toward the upper end of the range on this site. On the rate, it ranks 275 of 350, and its 27% is above the site median of 12% but close to the upper quartile of 24.92%.

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. That sits above the site median of 12% and near the upper quartile of 24.92%, so cost is the main thing to weigh. The representative example on its listing shows how interest adds to the balance over a short term.

How much can I borrow?+

Loan amounts run PHP 1,000 to PHP 25,000 in the Philippines. The term attached is 4 to 6, which is short, so the rate works quickly on the higher balances. PitaCash ranks 653 of 685 brands on amount, near the top of the range compared here.

Is there an arrangement or origination fee?+

No. The origination fee is 0 PHP (no advance deduction), so nothing is deducted from the amount before it reaches you. Interest is the only charge described on the listing, and the representative example splits it into interest and total payable.

Who regulates PitaCash?+

PitaCash is authorised by the Securities and Exchange Commission (Philippines) and holds CS201902369 (Certificate of Authority No. 1200). It operates from PH as Finance Technologies Inc., lending directly as a direct lender rather than acting as a broker.

Who can apply?+

Applicants must be adults living in the Philippines with a steady income, either employed or working as a business owner or self-employed, and holding one valid government ID. There is a minimum age and an upper age limit, and the loans on offer are personal loans issued in the Philippines, where PitaCash is based.

How quickly do I get the money?+

Approval can come through within minutes and typically within a few hours, followed by a short wait for the cash to arrive. Same-day funding is one of the listed features, same day funding, which suits an urgent bill. Speed does not change the rate, which stays at 27%.

Can I repay early without a charge?+

Free early repayment is not offered on PitaCash loans, so paying off the balance sooner does not come with a free exit. Plan for the full term of 4 to 6 and check the terms before settling early. Many lenders on this site do allow free early repayment, so it is worth weighing.

How do I get help?+

Support runs through email, chat and phone, covering chat, email, a help centre and phone. Contact by phone is the quickest route if a payment or application needs attention. Help is available in the Philippines, matching where the loans are issued.

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: Licences, Legal entity, Lender type

    “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

A short, small personal loan from a Philippine lender you deal with directly.

8.8/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings