We believe every Filipino can achieve the life they aspire by nurturing their financial well-being. Cashalo is a mobile loan credit app designed for Filipinos. It is a combination of two words: cash and kasalo (partner) which means "to have a partner for your finances"
Cashalo - Higit sa Cash, Kasalo
Loan App Features
Easy to access
Financial services should be universally accessible to every Filipino. No paperworks needed, download the app and register with your mobile number.
Flexible with more choices
Choose your preferred loan product:
· CashaQuick – Quick loans up to Php 2,000
· CashaLoan – Cash loans up to Php 5,000
· CashaCart – Shop now, pay later in 0% installments*
Your privacy is very important to us. Verify your identity and submit all the requirements in the app with at least one (1) valid ID to complete your loan application.
Fast Approval & Disbursement
Get your loan approval in as fast as 8 minutes and cash loan funding to your bank account in as fast as 30 minutes?**
Affordable and Transparent
Credit should be as affordable and transparent as it is fast, easy, and secure to access.
Example: For cash loans, interest starts at 9.95% with flexible loan term options and a one-time minimum processing fee of 5%. A loan of ₱2,000 with terms of 30 days, will be payable at ₱2,308.95, inclusive of interest rate and processing fee.***
For Cashacart, at Php2.500 down payment, you can already purchase goods worth Php10,000 and pay in 0% installment at 3, 6, or 9 month loan terms.
The best Cashalo experience must be shared with everyone. We’re rewarding all Cashalo customers, the referrer and the referred friend, with up to Php 300 for each successful referral. Invite your friends now!
Mas Maganda Ang Buhay 'Pag May Cashalo. #CashaloTAYO
Privacy and permissions:
We will scan your government-issued ID and other information to verify your identity and creditworthiness. Your personal information will never be shared without your direct and explicit permission.
To verify your identity, we require the following app permissions:
* Location Access - To auto-verify your address.
* Contacts Access - To easily nominate your contact references.
* Camera Access - To scan your IDs to complete ID verification using Cashalo’s facial recognition technology
Frequently Asked Questions
How do I apply for a loan and what are the requirements?
Download the Cashalo app; sign-up with your mobile number; complete personal information (valid govt. ID, proof of billing), work information (valid work ID & recent payslip) and bank details.
What are the loan payment terms?
Cashalo provides you with a choice of options for repayment based on your preference.
Customer Care: Email firstname.lastname@example.org or call (02) 470-6888.
*CashaCart participating stores
**Cashalo minimum disbursement time is typically in less than 24 hrs. Processing times may vary per user depending on cut-off.
***Cashaloan maximum effective APR% is at 119.4%
Cashalo is a Filipino technology and financial services company. Cashalo is a wholly owned subsidiary of Hong Kong- based Oriente (whose founders are behind internet giants Skype and LU.com). JG Summit Holdings, Inc. is a strategic partner of Oriente.
* Pre-approval for offline payments
* Earn up to Php300 per referral
Ratings and Reviews
Smooth Transaction but Grouchy Staff
Very smooth transaction. Fast approval and loan processing. I received my loan after only 1 day. They don’t need a lot of requirements, they will just review your data and interview you and your character references. But when the due date is near, like 2 weeks away, they will continually text and email you to remind you to pay your loan, which ok for me. The only thing I would suggest for improvement is the customer service. The staff who interviewed me was a bit grouchy. I hope they would hire people who are more professional.
A very humble and good lending service
This is my first time to apply and get a very good feedback of approval for a loan thru online and my first was very gracious! This is the best lending company online. I actually applied for loan with Moola or Cashwagon BUT they are those lending companies who do not want to help people but to get a lot of hidden fees and interest from. Cashalo is different! They just have 300 pesos interest from 3k and they will really deposit 3K to your bank account. UNLIKE those lending companies mentioned that instead of getting 3k, they will deposit 2700 because of interest and add up another fees! So they are not really to help Filipinos in terms of needs, they just want to get more money thru interests! Even if I was approved for their loan offers but when they introduced me the hidden fees, I REFUSED! Thank you CASHALO! And I shall return 😂
I paid my first due on Nov. 29 though my due date is December 3. I paid via BDO online transfer and with the Dragonpay third party. It took a month before they posted it. I emailed them for almost 50 times. Gave them the screenshots of the proof of payment and all the docs they needed. They even gave my account a penalty and interest even though it’s not my fault. Their CSR that I’ve had talk to was so rude! Now, my second and third due has a huge penalty and interest. I can’t pay before because there’s an interest in my fist due. They said before that they will waive it but it took 3 months before they waive it.
If you’re going to pay, in the app, there’s an option to “Pay” then the entire amount. Including the penalty in my first due. I even called them on Dec. 28 to update my account because my next due is Jan. 3 and the CSR insisted that I just need to reinstall the app so I can see the waived penalty. It’s a scam. From 6,218, I now need to pay for 8k because of their system’s fault.
- Oriente Express Techsystem Corporation
- 60.3 MB
Requires iOS 9.0 or later. Compatible with iPhone, iPad and iPod touch.
- Age Rating
- You must be at least 17 years old to download this application.
- Unrestricted Web Access
- © 2017 ORIENTE EXPRESS TECHSYSTEM PHILIPPINES CORP
Up to six family members will be able to use this app with Family Sharing enabled.