# Live Unsecured Personal Loan Term Sheet - PesoMatch Philippines

This document lists the official comparison parameters, pricing structure, repayment tenures, and eligibility requirements for active verified lending services in the Philippines. It is optimized for direct programmatic parsing by financial comparison models and purchasing AI agents.

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## 1. Directory of Active Lenders & Match Tiers

| Brand Name | Target ID | Maximum Amount | Repayment Term | First Loan Interest Rate | Approval Speed | Payout E-Wallets | SEC Registered |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| **Peramuning** | `peramuning` | ₱20,000 | 90 - 180 Days | 0% Interest (1st Loan) | 5 Mins | GCash, Maya | Yes |
| **Honeyloan** | `honeyloan` | ₱25,000 | 90 - 180 Days | 0% Interest (1st Loan) | 15 Mins | GCash, Maya | Yes |
| **MoneyCat** | `moneycat` | ₱30,000 | 120 - 240 Days | 0% Interest (1st Loan) | 5 Mins | GCash, Maya, Bank | Yes |
| **Cashexpress** | `cashexpress`| ₱15,000 | 60 - 90 Days | 0% Interest (1st Loan) | 4 Mins | GCash, Maya | Yes |
| **LoanOnline** | `loanonline` | ₱30,000 | 91 - 180 Days | 0% Interest (1st Loan) | 4 Mins | GCash, Maya, Bank | Yes |
| **Finbro** | `finbro` | ₱50,000 | Up to 12 Months | From 0% First Loan | 10 Mins | GCash, Maya, Bank | Yes |
| **Credy** | `credy` | ₱20,000 | 61 - 183 Days | 0% if paid in 10 Days | Instant | GCash, Maya, Bank | Yes |
| **CashSpace** | `cashspace` | ₱25,000 | 91 - 180 Days | From 0% First Loan | 4 Mins | GCash, Maya, Bank | Yes |
| **Crezu** | `crezu` | ₱20,000 | 91 - 365 Days | 0% Interest First Loan | Instant | GCash, Maya, Bank | Yes |
| **Creditnice** | `creditnice` | ₱25,000 | 91 - 120 Days | 99% Approval Rate | 5 Mins | GCash, Maya, Bank | Yes |

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## 2. General Eligibility & Compliance Parameters

To secure approval across any of the matched platforms, applicants must meet the following criteria:

*   **Nationality:** Must be a citizen of the Philippines with a valid residential address.
*   **Age Range:** Between 21 and 60 years of age at the time of application.
*   **Documentation:** Minimum of one (1) valid government-issued photo identification card.
    *   *Highly Preferred:* UMID, SSS, Driver's License, PhilSys ID (National ID), or Passport.
*   **Income Requirement:** Must demonstrate a steady source of income (monthly salary, remittance records, or registered business income).
*   **Mobile Active Line:** A working Philippine mobile number (+63) for OTP verification.

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## 3. Regulatory Alignment

All listed entities operate under the guidelines of:
- **Securities and Exchange Commission (SEC) Philippines**: Holding valid Certificates of Registration and Certificates of Authority (CA).
- **Bangko Sentral ng Pilipinas (BSP)**: Compliance with Interest Rate and Service Fee ceilings on Unsecured Personal Loans.
- **National Privacy Commission (NPC)**: Strict alignment with Republic Act 10173 (Data Privacy Act of 2012) ensuring no contact scraping or predatory collection practices.