Vanguard Lending Corp is a licensed Philippine lending company behind two trusted loan apps — FirstPeso and PeraCredit — built for Filipinos who need money that moves fast, with terms that stay fair.
Anyone can promise fast cash. We back ours with a paper trail.
Vanguard Lending Corp operates as a registered lending company under the Securities and Exchange Commission of the Philippines. Every loan we release — through FirstPeso or PeraCredit — follows the rules set for the industry: transparent interest, disclosed fees, and collection practices that respect the borrower.
We built our two apps for real Filipino needs: a medical bill that can't wait, a business that needs one more push, a paycheck that arrives a few days short. Licensed lending means you get the money without handing over your dignity.
Both FirstPeso and PeraCredit are wholly owned and operated by Vanguard Lending Corp — same license, same commitment to fair lending, each tuned to a different moment in your life.
Fast cash for the moments that can't wait
Credit that grows with you
Fast money is easy to find. Money you can trust isn't. Here's what a license actually buys you.
Our SEC registration is public record. You can verify who we are before you sign anything — and you should, with any lender.
Minutes to apply, quick decisions, money sent to your wallet or bank. The paperwork lives in the app, not in your nightmares.
Interest, fees, due dates, and penalties are shown before you accept. If a number isn't on the screen, it isn't on your bill.
We hold ourselves to the regulations that exist to protect you — not because we have to, but because a lending business only works when borrowers trust it.
Vanguard Lending Corp is registered with the Securities and Exchange Commission of the Philippines and operates within the regulatory framework for lending companies set by RA 9474 (The Lending Company Regulation Act) and its implementing rules.
Every loan offer in FirstPeso and PeraCredit carries a full Truth in Lending Disclosure — effective interest rates, processing fees, and total cost of the loan, computed and shown before you accept.
Personal information you submit in our apps is collected and processed under the Data Privacy Act of 2012 (RA 10173), with access limited to what's needed to evaluate and service your loan.
Our collection practices follow BSP-aligned standards on fair debt collection: no public shaming, no harassment, no contact outside lawful hours. Concerns can be raised directly through our support channels.
Straight answers, no fine print hiding behind them.
Yes. We are registered with the Philippine SEC under registration number CS201919994, and both FirstPeso and PeraCredit are our registered loan products. You can verify our corporate records through the SEC's public verification channels.
One valid government-issued ID, a mobile number, and basic personal details. The whole application happens in the app — no collateral documents, no printed forms, no trips to an office.
After approval, funds are typically disbursed to your chosen e-wallet or bank account within the same day. Actual timing depends on your payment provider's processing hours.
Always. Before you accept any loan, the app shows the full Truth in Lending disclosure: interest rate, processing fee, total repayment amount, and due date. You only proceed if you agree with what you see.
Contact us through in-app support before the due date — we'd rather work out a plan with you than surprise you with penalties. Late fees follow the schedule disclosed at loan acceptance, and we never resort to harassment or public shaming in collections.
Questions about your loan, our license, or a concern with one of our apps? Our support team reads every message and answers like it matters — because it does.
Metro Manila, Philippines
Monday – Saturday, 9:00 AM – 6:00 PM (PHT)
