Cashoyo: Zero Interest Cash
Your Personal Emergency Cash
Only for iPhone
Free · Designed for iPhone
iPhone
OGives, Your Personal Emergency Cash.
Cashoyo is a Philippines-based 0% interest, 0 fee emergency cash app — backed by SEC-licensed and regulated operations. Our flagship product, OGives, provides interest-free emergency cash of up to 10,000 pesos with ZERO service fees, ZERO hidden charges, and ZERO harassment. NO calls to your contacts, NO pressure.
OGives does NOT profit from interest or fees. It is a welfare-oriented financial safety net operated by Philippine Cashtrout Lending Corporation, a company duly registered and licensed by the Securities and Exchange Commission (SEC). Every Filipino deserves access to emergency funds without being exploited by high interest rates or aggressive collection practices.
Why Choose OGives?
- 0% interest before your due date. Always. NO exceptions.
- 0 service fees charged by OGives. What you borrow is what you repay.
- 0 harassment. NO threatening messages. ZERO harassment is built into the app.
OGives Product Details
- Loan Amount: 1,000 to 10,000 pesos
- Loan Term: 61 to 180 days
- Interest & Service Fee: 0% (before maturity)
- Maximum APR: 0% (before maturity). After the due date, an effective APR may apply, varying with the duration of the delay.
- Convenience Fee: Fixed fee by third-party payment gateway, not by Cashoyo. ₱20 at disbursement, ₱15 at repayment. These are disclosed upfront before you confirm.
- Late Fee: 5% of your loan amount for every 30 days past the due date, with a total cap of 15% of your loan amount. No additional penalty applies.
Representative Example:
- Borrow 10,000 pesos for 61 days.
- Interest & Service Fee before maturity: 0 pesos
- Credited Amount: 9,980 pesos (20 pesos Convenience Fee is deducted from the disbursement by the third-party payment gateway, not by Cashoyo).
- Repaid on time: 10,000 pesos to Cashoyo + 15 pesos Convenience Fee at repayment by payment gateway
- Repaid 90 days late: 10,000 + 1,500 late fees = 11,500 pesos + 15 pesos Convenience Fee at repayment by payment gateway
Loan Application Requirements
- Filipino citizen, 18 years old and above
- At least 1 valid government-issued ID
- Active GCash account registered under your mobile number
How Does the OGives Work?
1. Download Cashoyo and register with your Philippine mobile number.
2. Verify your identity by submitting your government ID and a selfie.
3. Choose your loan amount, repayment period, and submit.
4. Receive a notification once approved, typically within 1 business day.
5. Once approved, funds are transferred to your GCash account, usually within 30 minutes.
6. Repay on or before your due date to maintain good standing.
Note: To keep OGives sustainable for as many Filipinos as possible, OGives operates on limited daily lending sessions. We appreciate your patience and understanding.
SEC Licensed Company: Philippine Cashtrout Lending Corporation
Business Name: Cashoyo
SEC Registration No.: CS201910407
Certificate of Authority No.: CA3015
Office Address: 4/F Kings Court 1 Building, 2129 Chino Roces Ave., Pio del Pilar, Makati City, Metro Manila, Philippines
Contact Us
Email: support@cash-oyo.com
Website: www.cash-oyo.com
Customer Service Hours: 8:00 AM – 8:00 PM, Monday to Sunday
The developer, Philippines Cashtrout Lending Corporation, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Contact Info
- Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- Contacts
- User Content
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- Philippines Cashtrout Lending Corporation
- Size
- 83.5 MB
- Category
- Finance
- Compatibility
Requires iOS 13.0 or later.
- iPhone
Requires iOS 13.0 or later. - iPod touch
Requires iOS 13.0 or later. - Mac
Requires macOS 13.0 or later and a Mac with Apple M1 chip or later. - Apple Vision
Requires visionOS 1.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Contains
Advertising
- Copyright
- © 2026 Philippine Cashtrout Lending Corporation. All rights reserved.