For Filipinos looking for quick, reliable, and transparent financial assistance, Cashola has become one of the standout online lending platforms in the country. It combines speed, security, and regulatory compliance, making it a trusted option for borrowers who want a convenient way to get cash without the hassles of traditional banks.
What is Cashola?
Cashola is a digital lending service operated by Sunloan Lending Investors Corporation, an SEC-licensed company in the Philippines. With SEC Registration No. CS201900565 and Certificate of Authority No. 2872, borrowers are assured that Cashola operates within the legal framework of the country’s financial regulations.
The app provides loans ranging from ₱1,000 up to ₱30,000, with terms between 91 days and 180 days. Unlike unregulated loan apps that often charge hidden costs, Cashola maintains transparent fee structures and clear disclosure statements.
Why Choose Cashola? 🌟
There are plenty of online lending apps in the Philippines, but Cashola has carved its niche thanks to a few strong advantages:
- ✅ Legally registered and regulated – Borrowers have peace of mind since it is supervised by the SEC.
- ✅ Clear and transparent fees – No hidden charges, and all interest and service fees are explained up front.
- ✅ Fast approval and disbursement – Perfect for emergencies or urgent financial needs.
- ✅ Fully digital process – No need to line up at banks or fill out mountains of paperwork.
- ✅ Data privacy and security – Strong encryption ensures that personal information is safe.
Cashola Loan Product Details 📑
Loan Amount & Term
- Minimum loan: ₱1,000
- Maximum loan: ₱30,000
- Loan terms: 91 days (3 months) up to 180 days (6 months)
Interest Rates & Fees
- Maximum APR: 30%
- Service fee: 0% – 16% depending on the loan agreement
- Transaction fee: None
Loan Example
If a borrower applies for a ₱10,000 loan with a 91-day term and an annual interest rate of 12%:
- Interest = ₱10,000 × 12% ÷ 365 × 91 = ₱299.17
- Service fee (10%) = ₱1,000
- Total repayment = ₱10,000 + ₱299.17 + ₱1,000 = ₱11,299.17
- Monthly installment = ₱3,766.39
This example shows how Cashola provides clarity in its loan calculations, helping borrowers plan repayments better.
Who Can Apply? 👤
Cashola is designed to be accessible to everyday Filipinos. To qualify, applicants must:
- Be 18 years old and above
- Be a Filipino citizen
- Have at least one valid government-issued ID
- Show proof of a stable source of income
How the Application Process Works
Cashola is popular because of its hassle-free application process. Borrowers can get approved in just a few easy steps:
- Download the app from the Google Play Store.
- Register and fill out the form with basic personal and financial details.
- Submit documents such as a valid ID and proof of income.
- Wait for quick evaluation-this usually takes a short time compared to traditional banks.
- Receive the loan amount directly to a bank account, GCash, or Coins.ph wallet.
Benefits of Using Cashola 🚀
- 📱 Mobile-friendly – Everything is done within the app.
- ⚡ Fast approval – Borrowers can access cash within hours of application.
- 💳 Multiple disbursement channels – Money can be sent to different accounts or e-wallets.
- 🔒 Safe and secure – With encryption and regulatory oversight, personal data remains protected.
- 🤝 Transparent transactions – Borrowers always know what they’re signing up for.
Cashola vs. Other Loan Apps
Many lending apps in the Philippines operate without proper licenses, leading to unfair interest rates and harassment issues. Cashola differentiates itself by being SEC-certified and following consumer protection guidelines. This makes it a safer alternative compared to illegal or unregistered platforms.
Safety and Data Protection 🔐
Cashola values borrower privacy. Personal information is never shared with unauthorized third parties, and all transactions are encrypted. Borrowers can also request to have their data permanently deleted if they no longer wish to use the service.
Before applying for any loan, it’s essential for borrowers to read the terms and conditions carefully and make sure they are comfortable with the repayment schedule.
Customer Support and Contact Information 📬
For questions, feedback, or concerns, borrowers can reach out to Cashola through:
- Email: [email protected]
- Office Address: 12th Floor, Aseana Three Building, Macapagal Ave. cor. Aseana Ave., Aseana City, Tambo, Parañaque, NCR, Philippines.
The availability of reliable customer service further reassures borrowers that they are dealing with a professional and legitimate company.
Updated Insights for 2025 📅
As of 2025, Cashola continues to be among the most active and reliable loan apps in the Philippines. It regularly updates its mobile application to fix bugs, improve user experience, and comply with the latest financial regulations. With an increasing number of Filipinos turning to digital lending for emergencies, Cashola is expected to play an even bigger role in shaping the future of fintech lending in the country.
Summary Table
| Feature | Details |
|---|---|
| Loan Amount | ₱1,000 – ₱30,000 |
| Loan Term | 91 – 180 days |
| Maximum APR | 30% |
| Service Fee | 0% – 16% per transaction |
| Transaction Fee | None |
| Eligibility | Filipino, 18+, valid ID, stable income |
| Application Process | Fully digital via mobile app |
| Disbursement Options | Bank account, GCash, Coins.ph |
| Data Privacy | Encrypted, no third-party sharing, data deletion |
| Regulatory Status | SEC-registered and licensed |
| Support | [email protected]; Parañaque office |
Final Thoughts 💡
Cashola isn’t just another lending app-it’s a secure, fast, and transparent solution for Filipinos who need short-term financial assistance. With its straightforward process, legal compliance, and commitment to data privacy, it provides peace of mind in an industry where trust is often a concern.
Borrowers should always remember to borrow responsibly and only take loans they are confident they can repay. Used wisely, Cashola can be a dependable financial partner for everyday needs and emergencies alike.
