PHILIPPINES LIST OF TOP 10 P2P LENDING PLATFORMS

In the Philippines, the list of the top ranking P2P lenders platforms is designed to highlight the most relevant, trusted, and active players in the Philippine P2P ecosystem. Typically, the ranking includes platforms that are licensed with the Securities and Exchange Commission (SEC) and comply with local regulations.

In practice, the list distinguishes between “true P2P platforms”—such as Blend.PH, SeedIn, Vidalia Lending, FundKo, and UpLoan—where private lenders directly finance borrowers, and digital lending/marketplace fintech apps like Cashalo, Tala, JuanHand, Plentina, and First Circle, which are often grouped under P2P because they use online peer-like models, even if technically structured as non-bank financial companies.

Who are the top 10 P2P lending platforms in the Philippines ?

Here’s an updated and more accurate list of the top 10 peer-to-peer (P2P) lending platforms in the Philippines, focusing on those that operate in a true P2P or digital lending–style marketplace. Given regulatory and market constraints, the number of genuine P2P platforms is limited, but this list blends recognized P2P services with closely related fintech lenders to present a comprehensive overview:

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1. Blend.PH

Model: True P2P platform
Overview: Launched in 2016, Blend.PH connects individual lenders with borrowers seeking personal, salary, seafarer, or franchise loans. It’s one of the few Philippine platforms facilitating direct peer-to-peer lending. Relevant in discussions on P2P lending within the country.

2. SeedIn

Model: Structured P2P marketplace
Overview: Alongside Blend.PH, SeedIn is one of the two major organized P2P platforms in the Philippines. It matches borrowers and investors via a structured online system.

3. Vidalia Lending

Model: P2P for personal and small business loans
Overview: Based in Manila, Vidalia offers personal and business loans with attractive investor returns—around 1% to 1.5% per month (~18% annually).

4. FundKo

Model: Online marketplace lending
Overview: Listed as a P2P-style platform, FundKo connects borrowers and lenders through a user-friendly interface.

5. UpLoan

Model: Employer-partnered P2P lender
Overview: Facilitates personal loans through partnerships with employers, offering accessible financing with peer-style matching.

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6. Cashalo

Model: Fintech/grocery-lending (non-P2P)
Overview: A popular digital lending platform providing microloans and consumer credit across the Philippines. While not peer-to-peer, it’s frequently grouped under “P2P/digital lending” due to its alternative lending model.

7. Tala Philippines

Model: App-based digital lender
Overview: Mobile-first fintech company offering quick, small personal loans via Android-based app, widely used among underserved segments.

8. Plentina

Model: BNPL and micro-credit fintech
Overview: Provides Buy-Now-Pay-Later and micro-credit services integrated with local merchants—non-P2P but alternative lending.

9. First Circle

Model: SME financing fintech
Overview: Offers business financing, invoice financing, and working capital loans to SMEs—a fintech lender rather than classic P2P.

10. JuanHand

Model: Digital short-term lender
Overview: A registered digital lending app offering short-term personal loans; while not pure P2P, commonly cited in the context of marketplace lending platforms.