SOSCredit PH Review: Legit, Requirements, Harassment, How to Apply

SOSCredit PH (Philippines)

Curious about Soscredit PH? Interested in exploring the advantages and disadvantages of the Soscredit app? Wondering how to secure an easily approved Soscredit loan? Discover the answers to these questions and delve into comprehensive insights about Soscredit loans in the following article on

Overview of SOSCredit Philippines loan

✅ Review⭐ Soscredit PH Loan App
✅ Guide to⭐ How to apply for a Soscredit loan
✅ Loan amount⭐ 1,000 – 25,000 PHP
✅ Age⭐ 20 – 65 years old
✅ Term⭐ 3 – 12 months
✅ Interest rate⭐ 2.17% per day
✅ Evaluate the effectiveness⭐ Good
✅ Bad credit⭐ Not Allow
✅ Approval Duration⭐ 15 minutes
✅ Get money

About SOSCredit

Soscredit extends enticing loan offerings to its customers, available around the clock, seven days a week. As an independent broker, they furnish consumers with valuable loan terms and essential information without any fees.

SOSCredit PH (Philippines)

As for the legitimacy of Soscredit Philippines, it’s worth noting that we couldn’t confirm its SEC certification. Similarly, regarding the Soscredit loan app’s authenticity, we couldn’t pinpoint its legitimacy, as no certificate number was found in the Soscredit apk description.

Is Soscredit legal?

Every financial institution intending to operate in the Philippines must adhere to legal regulations and secure the necessary authorization. The Securities and Exchange Commission (SEC) oversees this process. On the official website, you can access lists of companies that have undergone scrutiny and have been deemed reliable.

Advantages of the Soscredit App

Numerous customers opt for online borrowing through the Soscredit app due to its numerous benefits, including:

  • Convenient Online Application: No need for in-person meetings to apply for loans.
  • Matched Loan Options: Connects customers with suitable loan offers.
  • No Collateral or Guarantor Required: Loans can be obtained without pledging valuable assets or needing a guarantor.
  • Swift Approval and Disbursement: Loan approval and rapid fund disbursal within just 15 minutes.
  • Interest-Free for New Customers: First-time borrowers enjoy an interest-free and fee-free experience.
  • Flexible Withdrawals: Option to withdraw a portion or the entire approved loan amount through bank transfers.
  • Diverse Payment Options: Multiple convenient methods for loan repayments.
  • Access to Additional Loans: The ability to apply for additional loans as needed.

Drawbacks of the Soscredit Loan App

Potential borrowers should be mindful of certain drawbacks associated with the Soscredit loan app before initiating their loan application:

  • Limited Loan Amount: The app offers a relatively low loan limit, making it suitable primarily for addressing urgent and smaller financial needs rather than substantial borrowing requirements.
  • Shorter Repayment Period: Soscredit loans come with shorter repayment terms compared to traditional bank loan packages, which may not be ideal for those seeking longer-term financing solutions.
  • Elevated Interest Rates: The loan interest rates within the Soscredit app are relatively high, and there may be additional service fees, impacting the overall cost of borrowing.

Soscredit Loan Requirements

Who can borrow money from Soscredit?

To qualify for a loan from Soscredit, you should meet the following criteria:

  • Be a Filipino citizen.
  • Fall within the age range of 20 to 65 years.
  • Maintain financial solvency.
  • Possess a bank account with a Filipino credit institution.
  • Provide a valid mobile phone number.

If you happen to be a government employee, obtaining a loan from Soscredit is particularly straightforward. As you can see, Soscredit’s lending requirements in the Philippines are straightforward and accessible to a wide range of individuals.

Soscredit APK Interest Rates

First-time applicants for Soscredit loans enjoy a 62-day grace period, exempt from both interest charges and service fees.

For borrowers who consistently make timely payments, subsequent loans can be approved at an annual percentage APR (representing the total loan cost over the total loan amount) ranging from 143% to 180%.

Soscredit Philippines Calculator

Opting for a 5,000 ₱ loan results in an APR of 795.7%, leading to a total repayment amount of 14,810 ₱. APR, representing the overall loan cost as a percentage of the total loan amount, reaches its maximum at 795.7%.

Example of calculating interest and loan payments

TERM10 days20 days30 days
LOAN AMOUNT10000 PHP10000 PHP10000 PHP

Step-by-Step Instructions for Registering on the Soscredit Loan Application

Here’s a straightforward guide for applying for a loan through Soscredit:

Step 1: Go to the Soscredit Website

Start by visiting the Soscredit homepage using this link:

Next, choose the desired loan amount.

Step 2: Provide Your Email

Input your personal email to initiate the loan application process. Ensure that you agree to Soscredit’s loan application terms and conditions.

Step 3: Confirm Your Email

Check your inbox for an email from Soscredit and click on the “Verify Email” button to receive a tailored loan proposal.

Soscredit Lending Reviews From Customer

Client feedback serves as a reflection of service quality and can be instrumental in guiding your decisions. Should you have any inquiries, please feel free to reach out to us via email or by using our contact form.

Reviews Soscredit online Loan App Feedback

How to pay soscredit loan Philippines

Soscredit offers various payment options, including:

  1. In-person payments at bill payment centers like 7-Eleven convenience stores, Robinsons big mall, SM Payment center, and Cebuana Lhuillier pawnshops, as well as Bayad Center bills payment locations.
  2. Online payments through banking apps.
  3. Mobile app payments through bills payment platforms such as Meralco, Bayad Center, CLiQQ, and Moneygment.
  4. Payments via ATM or credit card.
  5. E-wallet payments, including options like GCash, PayMaya,, and ECPay.

In case you have an outstanding Soscredit loan and encounter difficulties with repayments, please don’t hesitate to reach out to Soscredit promptly via email at

Soscredit App Philippines Customer Service

For any complaints related to Soscredit Ph, you can get in touch through the following channels:

The company strives to improve credit services for Filipinos and emphasizes customer support.

However, there is no Soscredit Philippines contact number. You can reach them via email at

The main office is in Latvia at Liela iela 9, Saldus, LV-3801, with no physical branches as loans are exclusively online.


How long does it take for the money to arrive?

Soscredit is a lending platform offering Filipinos the chance to secure a loan within 24 hours. To apply, simply download the app and complete the online application form.

Why my online loan application was declined?

If the information provided in an online loan application is incorrect or entered inaccurately, and if the applicant has existing outstanding debts, the application may face rejection.


In summary, Soscredit PH offers fast online loans with simple applications but comes with high APR and short repayment terms. Limited contact options make careful consideration of financial needs and alternatives crucial for potential borrowers.

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