Online Loan In Philippines: Apply Cash Loan With Low Interest With Cash-Express


Are you struggling to find a reliable online lending platform in the Philippines? Look no further than Cash-Express Philippines Financing Inc. As a FinTech company, they provide local clients with a quick, advanced, and efficient mobilization of credit through mobile or PC connectivity.

Founded on March 10, 2019, Cash-Express Philippines Financing has successfully provided Filipinos with an alternative to traditional banking methods. The online lending platform offers an easy and simplified application process, allowing borrowers to complete their application in minutes.

With Cash-Express (or CashExpress), borrowers can enjoy the convenience of a fast approval process. Once approved, customers can receive their funds directly into their bank account, allowing them to pay for unexpected expenses or planned purchases in no time. But that’s not all! To ensure the security of their customers, Cash-Express Philippines Financing guarantees loans twice โ€“ with a buyback guarantee and a group guarantee.

So, if you’re looking for a loan that is easy, fast, and secure, Cash-Express Philippines Financing may be the perfect fit for you. Here are the products and services they offer:

  • Loan Type: Business loan
  • Country: Philippines
  • Website:
  • Customer service: +632 7902-7390
  • Cash-Express Philippines Financing Inc. Company Registration No. CS201951088 and Certificate of Authority No. 2918 granted by the SECURITIES AND EXCHANGE COMMISSION on 20th June 2019


Product Features

Cash-Express Philippines Financing offers a range of loan options to fit the unique needs of borrowers. The minimum financing amount available is 1000 PHP, and the maximum financing amount is 20000 PHP for up to 30 days:

  • Low-interest business loans with a quick approval process, ranging from 0.07%
  • Flexible repayment options with annual fees ranging from 180% to 365% depending on the percentage borrowed.
  • Loan repayment plans such as interest-only payments and fixed monthly installment payments.
  • Split Payment option that allows borrowers to split their loan into two parts and make separate interest and principal payments over different time periods.

Fees & Charges

Cash-Express Philippines Financing charges processing fees for all their loan products, which are typically non-refundable regardless of whether the loan is approved. Further details of the fees and charges for their loan services are:

  • Debt consolidation: Information not available. All queries to be addressed to the representatives of Cash-Express.
  • Processing fee: One-time fee is not charged upon making the loan.
  • Stamp duty: Not applicable.
  • Annual fee: Annual fees range from 180% to 365% depending on the percentage under which the borrower borrows.
  • Other fees: Other fees are not listed on the site. However, when applying for a loan, borrowers can include insurance or any other services. For more information, borrowers need to consult with a representative of the organization.


Cash-Express Philippines Financing ensures the borrowers’ convenience by providing multiple repayment options, but they impose certain penalties if the borrower defaults on their loan. Here is a quick rundown of the charges and penalties:

  • Early settlement: No extra fees are charged in case borrowers decide to settle their debt early. For more information, borrowers can contact the credit organization.
  • Late payment charges: Cash-Express charges 6% of overdue payment.
  • Other penalties: None specified.

Additional Requirements

To apply for a loan or credit, Cash-Express Philippines Financing requires certain information to assess the borrower’s eligibility:

  • Need to have a valid government-issued ID, proof of income, and an up-to-date credit report with no negative entries.
  • No need to bind a bank account. Payment on the loan occurs through a bank card.


Cash-Express Philippines Financing provides plenty of resources for borrowers to ensure that they understand their lending services better. Below are some of the frequently asked questions that borrowers may encounter:

Is Cash-Express Legit?

Cash-Express Philippines Financing is a secure online payment platform that has been providing customers with an alternative to traditional banking methods since 2018. The company implements cutting-edge encryption technology that ensures all online transactions are secure, protecting consumers’ data and preventing fraud. Additionally, the 24/7 customer service team is always available to assist with any inquiries or concerns.

How to Take a Loan in Cash-Express?

Cash-Express Philippines Financing provides an easy and convenient way to apply for loans. Via the Cash-Express Mobile App, users can apply, manage, and track loan applications all in one place. Applicants need to log in to the Cash-Express mobile app, enter the required information such as their name, address and other personal details requested by Cash-Express. The company will then verify the userโ€™s identity and credit score. Once approved, the borrower can select a suitable loan and confirm it by making a deposit of the agreed amount at Cash-Expressโ€™ secure online portal.

Example of Calculating Interest and Loan Payments

Cash-Express Philippines Financing offers a range of loan repayment options suitable for borrowers seeking different payment plans. Cash-Express utilizes annual percentage rates (APR) to calculate interest on their loans, which will vary depending on the customer’s credit profile. The company offers an APR calculator for customers to estimate their loan repayment amounts based on the interest rate chosen. Cash-Express also provides up-to-date information about borrowers’ loans, including the current balance and any additional fees incurred during the loan period.

Additional Conditions for Granting Loans

Cash-Express Philippines Financing upholds a strict set of requirements when it comes to granting loans. To ensure that the loan process is secure, the company requires all borrowers to meet certain criteria before being approved for any loan product. This includes a valid government-issued ID, proof of income, and an up-to-date credit report with no negative entries. The company also assesses each borrower’s financial stability and creditworthiness before approving their loan application.

Reasons for a Loan Denial

Cash-Express Philippines Financing may deny a loan application for several reasons, including the borrower’s failure to meet the credit requirements. Cash-Express also takes into account the borrower’s existing debts and other liabilities before approving or denying a loan application. Past defaults on loans or payment and inconsistencies in the applicant’s credit report may also lead to loan rejection.

How Much Does Cash-Express Charge in Interest and Fees?

Cash-Express Philippines Financing charges an annual percentage rate (APR) based on the borrower’s credit profile, with varying rates depending on their credit score, income sources, and existing liabilities. However, the company provides borrowers with an APR calculator to estimate their loan repayment amounts based on the interest rate chosen. Cash-Express also charges processing fees for all its loan products, with the exact fee amount depending on Cash-Express’s terms and conditions for each loan product. The company may charge late payment fees if payments aren’t made in full according to the agreed-upon schedule.

Contacts of Cash-Express

Borrowers can contact Cash-Express Philippines Financing Inc. through numerous channels. The company’s customer support team is available via email at [email protected] or by calling the customer service hotline at +632 7902-7390.

5/5 - (10 votes)
CashLoanPH Changed status to publish 11/04/2023