JCI LENDING INVESTOR, INC.

No complicated procedures, borrow money in 3 easy steps!

Convenience Commitment

Disbursement within 24 hours | E-wallet payments supported | Unsecured credit assessment

About Us

Brand Mission

We understand that Filipinos often face urgent and diverse financial needs. Inspired by the wisdom of Lord Ganesh, JCI LENDING INVESTOR, INC. leverages technology to simplify processes, making loans as easy as sending a text message.

Compliance Endorsement

"Registered Money Lender with the Securities and Exchange Commission (SEC) of the Philippines (CS201717722) | Strict compliance with the Data Privacy Act (RA 10173)"

Why Choose Us

Four Key Advantages

Instant Application

Fully online process, complete the application in 10 minutes via mobile.
Upload ID photos (SSS/UMID/Driver’s License/Passport) directly.

Lightning-Fast Disbursement

Receive funds within 24 hours after approval, with support for e-wallets like GCash and PayMaya.

Flexible Repayment

Choose terms from 7 days to 24 months, with no penalties for early repayment.

Zero Collateral Required

No asset proof needed; loans are disbursed upon credit approval.

Compliance lending, peace of mind

JCI Lend and Warm Cash Lending Corp. joint service

JCI Lend App is a digital lending platform authorized by Warm Cash Lending Corp. As a licensed financial institution officially approved by the Securities and Exchange Commission (SEC) of the Philippines (SEC registration number: 2021030009095, authorization certificate number: 3427), Warm Cash Lending Corp provides JCL Loan with full-process funding support and risk control management to ensure that all services comply with the financial regulatory requirements of the Philippines.

We promise:

Licensing and compliance: Warm Cash Lending Corp is continuously regulated by the SEC, and the flow of funds is transparent and traceable;

Professional service: Relying on the industry experience of Warm Cash Lending Corp, provide users with efficient and safe lending experience;

User protection: All loan agreements follow SEC regulations to eliminate informal financial risks.

Apply for a loan through the JCI Lend App, and you will directly get the authoritative financial service support of Warm Cash Lending Corp.

Lender：Warm Cash Lending Corp.
SEC Registration No:2021030009095
Certificate of Authorization No:3427

Frequently Asked Convenience Questions

Q: How long does the application take?
A: Complete the form in 10 minutes; receive feedback in as little as 1 hour.

Q: Can I apply without a bank account?
A: Yes! We support e-wallet payments like GCash and PayMaya.

Q: How do I repay the loan?
A: Pay via offline outlets like 7-11 and Cebuana, or set up automatic GCash deductions.