Cash loan apps continue to reshape how Filipinos borrow money. From medical emergencies to small negosyo capital, digital lending has become faster and more accessible than ever. One app that has recently drawn attention is Cashify PH, previously known as CashOla.
In January 2026, CashOla officially rebranded to Cashify PH. With updated branding and renewed marketing campaigns, many borrowers are now asking:
- Is Cashify PH legit?
- Is it really SEC registered?
- Are harassment complaints true?
- Is it safe to borrow from this app?
Let’s take a detailed, updated look at everything you need to know before applying. ⚖️✨
CashOla Rebrands to Cashify PH (2026 Update) 🔄
In early 2026, CashOla transitioned to a new name: Cashify PH.
The company behind the app remains:
- SEC Company Name: Sunloan Lending Investors Corporation
- SEC Registration No.: CS201900565
- Certificate of Authority No.: 2872
The company is registered under the Securities and Exchange Commission, which means it is legally authorized to operate as a lending entity in the Philippines.
Rebranding is common in the fintech space. However, borrowers should always check whether the rebrand includes improvements in transparency, customer support, and compliance-not just a new logo.
Company Details & Office Address 📍
According to provided company information:
- Corporate Address:
12th Floor, Aseana Three Bldg.,
Macapagal Ave. Cor Aseana Ave.,
Aseana City, Tambo, Parañaque City, NCR, Philippines - Customer Support Email:
[email protected]
Having a physical business address and official email contact adds legitimacy indicators. However, always verify these details directly from the official website or inside the app before engaging in financial transactions.
Cashify PH Loan Product Overview 💰
Here are the updated product details promoted by Cashify PH:
Loan Amount
₱1,000 – ₱50,000
Higher limits may be offered to repeat borrowers with good repayment records.
Loan Term
91 days – 180 days
This is longer than many short-term loan apps that offer only 7-30 days, which can be a positive factor if consistently applied.
Maximum APR
Up to 30%
Fees Structure
- Transaction Fee: ₱0
- One-time sign fee
- Service fee per transaction (0% – 16%)
⚠️ Important: The service fee can significantly affect the total repayment amount.
Sample Loan Computation (Provided Example) 🧮
Let’s break down the example shared:
Loan Details:
- Principal: ₱10,000
- Term: 91 days (3 months)
- Interest Rate: 12% annually
- Service Fee: 10%
Computation
Interest:
₱10,000 × 12% ÷ 365 × 91 = ₱299.17
Service Fee:
₱10,000 × 10% = ₱1,000
Total Repayment:
₱10,000 + ₱299.17 + ₱1,000 = ₱11,299.17
Monthly Repayment (3 months):
₱3,766.39
While the interest appears low, the service fee plays a large role in the total cost.
Borrowers must always:
- Check the disclosure statement
- Review full breakdown inside the app
- Confirm actual disbursed amount vs. approved amount
Loan Application Requirements 👨👩👧
To qualify, you must:
- Be at least 18 years old
- Be a Filipino citizen
- Have one valid government-issued ID
- Have stable income
Compared to banks, this is relatively simple and accessible.
How the Loan Process Works 🚀
- Download the Cashify PH app
- Fill out the online application
- Wait for evaluation
- Receive funds via bank, GCash, or Coins.ph
The process is designed to be fully digital, eliminating branch visits.
Cashify PH Advantages (As Advertised) 👍
- 🇵🇭 Convenient online platform
- 🚀 Fast approval
- 👍 Simple application
- 😋 Easy approval process
However, marketing claims should always be weighed against real borrower experiences.
Harassment Complaints & Borrower Concerns 🚨
Despite being SEC registered, Cashify PH has been associated with online discussions about collection behavior.
Common allegations from borrower reviews include:
- Aggressive SMS reminders
- Frequent calls during overdue periods
- Threatening tone from some collection agents
- Confusion about fees
It’s important to understand:
Being SEC registered does NOT automatically prevent abusive collection practices.
If any lender violates the Data Privacy Act or engages in harassment, borrowers may report them to:
- National Privacy Commission
- Philippine National Police Anti-Cybercrime Group
- National Bureau of Investigation
Tagalog reminder:
“Kung tinatakot ka o tinatawagan ang pamilya mo ng collectors, hindi iyon pinapayagan ng batas at maaari mo silang i-report.”
Data Privacy & App Permissions 🔐
Many online loan apps request access to:
- Contacts
- SMS
- Camera
- Storage
Before approving permissions:
- Read the privacy policy carefully
- Disable unnecessary access
- Avoid granting contact list access unless strictly required
Protecting your personal data is just as important as paying on time.
Is Cashify PH Legit or Risky? ⚖️
Let’s weigh the facts.
Positive Indicators ✔️
- SEC registered company
- Official Certificate of Authority
- Physical office address
- Clear sample computation
- Transparent mention of fees
Potential Risks ⚠️
- Service fee up to 16%
- Mixed borrower reviews
- Collection complaints reported online
- Shorter actual terms reported by some users
The app is legitimate in registration terms, but borrower experience can vary depending on repayment behavior and fee understanding.
Safer Alternatives in the Philippines 🏦
If you want more established digital banking options, consider:
- Tonik
- Maya
- CIMB Bank Philippines
- UnionBank of the Philippines
For government-backed programs:
- SSS Salary Loan
- Pag-IBIG MPL
These options usually offer:
- Lower effective interest
- Longer repayment flexibility
- Stronger regulatory oversight
Final Advice Before Applying 💡
Before using Cashify PH:
- Read the full disclosure statement
- Confirm exact due dates
- Calculate effective cost including service fee
- Borrow only what you can repay comfortably
- Avoid multiple overlapping loans
Remember:
Fast approval feels good today.
Financial peace feels better long-term.
Digital loans can be helpful tools-but only when used responsibly.
