Opeso Cash Loan Review - Is It Legit?

Opeso Cash Loan Review - Is It Legit?

All about Opeso 💻 100% Online ✨ Up to P20,000 📱 Loan App 🤔 Complaints ✅ Verified reviews

What is Opeso?

Opeso is an internet-based finance corporation in the Philippines that provides short-term loans without the need for collateral and credit checks. Through the Opeso app, Filipinos can have quick access to funding for unexpected expenses or emergencies. It’s a great alternative solution for people who need small loans but don’t want to go through the hassle of dealing with banks or are not qualified to get a loan through traditional means.

How does Opeso cash loan work?

Opeso is an online lending platform where people can apply for a cash loan through the app. Borrowers who meet the requirements can proceed with the application. Once the loan is approved, the money is deposited into the borrower’s bank account within minutes. The loan must then be repaid on the agreed loan term, which is typically 7 days.

How can I apply for a loan with Opeso?

You can apply for a loan with Opeso by submitting an online application. The application is simple and takes just a few minutes to complete.

You must first download the Opeso loan app from the Google Play Store. Create an account by registering with your mobile number. To start the application process, click the “Apply Now” button.

You will be asked to fill out an online application form. Opeso will ask for personal information and one valid ID. It’s important to provide accurate information so that the loan can be processed quickly.

After submitting the application, it will go through a loan audit. Opeso uses proprietary credit scoring technology to determine if you’re eligible for the loan. You will receive a decision from Opeso within minutes. If you pass the audit, you’ll have to confirm the loan amount and loan terms. Then, select an option on how you want to receive the money.

Once you’ve provided the necessary information, the loan will be approved. Opeso will deposit the money to your bank account or chosen method within one business day. It usually takes less than 24 hours for money to be disbursed.

If you prefer to withdraw the money offline, Opeso recommends M. Lhuillier. Just bring two (2) valid IDs and the reference number so that you can collect your money.

Requirements for Opeso Loans Application

  • You must be a Filipino citizen.

  • You must be at least 18 years old.

  • You must have a mobile phone number.

  • You must have a valid ID (government-issued):


  • UMID

  • SSS / GSIS

  • Passport

  • Driver’s License

  • Postal ID

  • Voter’s ID

How much does Opeso loan?

Opeso loans are a form of short-term credit that can help you cover unexpected expenses or bridge the gap between paychecks. You can borrow from P2,000 to a maximum loan amount of P20,000. The loan terms are flexible, so you can choose to repay your loan over time or in one lump sum.

Opeso does not disclose the interest rate outright. However, according to the company’s listing on the Securities and Exchange Commission (SEC) website, the interest rate is 3.50% per month. That’s equivalent to an annual percentage rate (APR) of about 43%.

How do I pay my Opeso loan?

You can repay your loan through Opeso’s partner payment channels:

  • 7-11

  • ECPay

  • GCash

  • Select Banks

Make sure to pay your loans on time to avoid late fees and additional charges. Paying on time improves your credit score and helps maintain a good credit standing with Opeso. This can potentially increase your credit line for the next loan.

Is Opeso legit?

Yes, Opeso is a legit company authorized to operate as a lending company. Is Opeso SEC-registered? Opeso is registered with the Securities and Exchange Commission on February 22, 2019, under the business name Oklik Lending Company Inc. This means that it has met the strict financial and reporting requirements and complies with Philippine laws.

Opeso app

The Opeso loan app is a mobile application that allows users to apply for a loan. The app is designed with a simple interface that makes it easy to find the information you need.

Opeso app is available for Android devices and can be downloaded from the Google Play Store. It’s not currently available for the iPhone.

You might be tempted to download Opeso APK from unknown sources. It’s not advisable to use Opeso app APK because it may contain malware which can harm your device or steal your personal information. Furthermore, APKs do not have a particularly good reputation among users, as they are often seen as being less reliable and trustworthy than apps from official app stores.

So, make sure that you download the Opeso legit app from Google Play Store to avoid security and performance issues.

Opeso customer service

Opeso customer service is available to help resolve issues regarding your loan application.

You can contact them through a variety of methods, including landline, mobile, and email. Customers can also access support through the Opeso app.

Opeso Phone Numbers:

  • Hotline:  (02) 7906 5683
  • Globe: 0999 4153606
  • Smart: 0977 3186511

Opeso Email address:

Opeso harassment and complaints

Although the Opeso loan app is legit, some users complain about the high interest rates and fees charged by Opeso. The cash that borrowers received is significantly lower than the loan amount for which they had applied. Opeso feedback from users are mostly complaints about the the short loan term of 7 days to repay the loan.

Apart from the excessive interest rates and fees, Opeso does not properly disclose the terms and conditions of its loans. Borrowers end up with less amount that they had expected, and they only have a week to pay off the debt, which is contrary to what Opeso advertises. This leaves borrowers with little time to repay the loan and often leads to late payments or defaulting on the loan.

Fortunately, Opeso harassment is not a common occurrence. While some Opeso agents may be a little rude at times, they don’t resort to harassing the borrowers to force them to pay.

Opeso reviews

Based on the Opeso cash loan review, the app has an average rating of 4.6 stars. While this is a high rating, Opeso has been met with mixed reviews, with some users complaining about the interest rates and fees charged by Opeso. Others have praised the app for its convenience and easy-to-use interface. The quick approval and the fast loan process also garnered positive reviews for Opeso.

Jonee Bryan Tanhueco

----..they send only 300 for 500 loan..and you have to pay 540 after 1 week..they keep calling even before due date..



Airine Manjares Osorio


Joseph G. Montano

I'm using the loan for bill payment

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This article was updated on 24 may 2024