Our partner lenders
Aprubado is a free loan-matching service. One application matches you to a panel of SEC-licensed partner lenders — the lenders make the credit decision, release the funds, and handle repayment. You pay us nothing; the lender pays us when a match becomes a funded loan.
One form, many lenders
A single application is matched to multiple SEC-licensed partner lenders — more routes to an offer than applying to one lender at a time.
Free for borrowers
No application fee, no matching fee. Partner lenders pay Aprubado a referral fee; you pay only the loan terms your lender discloses.
Licensed lenders only
Every lender on the panel holds an SEC Certificate of Authority, re-verified monthly. We route applicants to licensed lenders — never to clone apps.
Lenders we match you with
Aprubado maintains a panel of SEC-licensed partner lenders. Depending on the amount and term you request, your location, and each lender's current eligibility rules, your application may be matched to one or several of them. Example partner lenders include:
- Finbro
- MoneyCat
- CashExpress
- Tala
- Vamo
- HoneyLoan
The panel changes over time as lenders are added or as SEC status changes. Each partner is re-verified monthly against checkwithsec.sec.gov.ph.
How matching works
Applying to lenders one by one is slow, and every rejection is a wasted form. Aprubado flips this: you fill in one application, and we match it — in real time — to the SEC-licensed partner lenders whose criteria you fit. Being matched to more than one lender means more than one chance at an offer.
The lender you are matched with owns the relationship from there: they run the credit assessment, set the rate within BSP caps, disburse the funds to your GCash, Maya, or bank account, and handle repayment. Aprubado never touches the money and never makes the credit decision.
Because we are paid by the lender, not by you, we have no incentive to hide the cost. Every fee is disclosed by your matched lender before you sign.
For lenders: join the panel
Aprubado routes qualified, pre-consented applicants to licensed lenders. To be considered for the partner panel, a lender must meet:
- ✓SEC-registered lending or financing company
- ✓Valid Certificate of Authority (verifiable on checkwithsec.sec.gov.ph)
- ✓NPC-registered Personal Information Controller
- ✓Published rates within BSP MC 1133 s.2021 caps
- ✓SEC MC 19 s.2019-compliant loan disclosures
- ✓Written fair-collection policy (no contact-list calls, lawful hours only)
- ✓Agreement to Aprubado referral and data-sharing terms
How to apply as a lender
Email partners@aprubado.ph with the following:
- 1. Company legal name and SEC Registration Number
- 2. Certificate of Authority number and current status
- 3. NPC registration and Data Protection Officer contact
- 4. Product range: amounts, terms, and target borrower profile
- 5. Published rate schedule and fair-collection policy
We respond within 2 business days. Approved lenders are onboarded with a consent-verified applicant feed, disclosure templates, and per-match reporting.
Are you a licensed lender? Get on the panel.
We work with SEC-licensed lenders across the Philippines. To join the Aprubado partner panel, email partners@aprubado.ph with your SEC details and product range and we will respond with terms.
Frequently asked questions
Does Aprubado lend money?+
No. Aprubado is a free matching service. We do not lend, decide, disburse, or collect. When you apply, we match your profile to one or more SEC-licensed partner lenders who make the credit decision, release the funds, and handle repayment directly with you.
Which lenders do you work with?+
We match applicants to a panel of SEC-licensed partner lenders, including Finbro, MoneyCat, CashExpress, Tala, Vamo, and HoneyLoan, among others. The panel changes as lenders are added or as their SEC status changes — we re-verify each partner monthly against checkwithsec.sec.gov.ph.
How does Aprubado choose which lender to match me with?+
We match on fit: the amount and term you request, your location, and each partner lender’s current eligibility criteria and appetite. You may be matched to more than one, which improves your chance of an offer. The lender you are matched with makes the final approval decision.
Is it really free for me?+
Yes. Borrowers pay Aprubado nothing — no application fee, no matching fee, no service charge. We are paid a referral/marketing fee by the partner lender when a match leads to a funded loan. See /our-fees for the full breakdown.
How do lenders display their SEC details?+
Every partner lender is a company registered with the SEC and holding a Certificate of Authority. Your loan agreement and the lender’s own offer screen disclose that lender’s SEC Registration Number, Certificate of Authority Number, and effective interest rate range, as required by SEC MC 19 s.2019.
Are you a lender for lenders?+
No. We are an acquisition and matching channel. Per SEC MC 10 s.2021, all core lending functions — underwriting, credit decisioning, disbursement, and collection — are performed by the licensed partner lender, never by Aprubado.
How is my data handled when you match me?+
We collect only what is needed to match you and pass your application to the chosen partner lender(s), who become the Personal Information Controller for the loan. We do not scrape contact lists or photo galleries. Full detail is on /about/compliance. Data questions: dpo@virixlabs.com.
Can a lender join the Aprubado panel?+
Licensed lenders can apply to join the panel by emailing partners@aprubado.ph. We require a valid SEC Certificate of Authority, NPC registration, and agreement to our disclosure and fair-collection standards before any applicant is routed to you.