Cash-Express
Cash Express: Fast online loans in the Philippines
Cash-Express is a SEC-licensed online lending platform in the Philippines that provides fast and convenient cash loans for Filipinos. With a fully digital application process, borrowers can apply online anytime using just a valid government-issued ID and basic personal details.
Cash-Express Philippines is ideal for emergency expenses, bills, tuition, and other short-term financial needs, giving borrowers a quick and reliable lending solution with transparent terms and convenient repayment options.
Cash loan offers from Cash-Express
- Loan amounts: Apply for short-term cash loans from ₱1,000 to ₱20,000.
- Loan term: From 7 to 189 days.
- First-time borrowers may qualify for a 0% interest loan.
- Returning borrowers can expect increased credit limit.
First-Time loan at 0% Interest
New clients can enjoy a special 0% interest promo when applying for their first Cash-Express loan up to ₱10,000 for the first 7 days of the loan. This means you only need to repay the exact amount you borrowed, with no extra fees, as long as repayment is made on or before the due date.
This first-time borrower offer makes Cash-Express one of the most attractive online lending platforms in the Philippines for those looking for safe, legit, and affordable cash loans.
Repeated loan for returning clients
Only clients who have successfully repaid their previous Cash-Express loans and remain in good credit standing are eligible to apply for a repeated loan.
For repeated loans, Cash-Express automatically increases the credit limit up to ₱40,000. The approved loan amount will depend on your credit history, repayment record, and overall loan behavior.
You can apply for another Cash-Express loan on the same day as your due date, provided you have made full payment of your outstanding balance.
Eligibility and requirements: Who can get a loan with Cash express?
Citizenship: Must be a Filipino citizen, currently living in the country.
- Age: 21-70 years old.
- Identification: A valid government-issued ID (Any of the following IDs – Passport, National ID, Driver’s license, SSS, UMID, Postal ID, PRC ID)
- Income: Currently employed or with a stable source of income. A payslip or bank statement may be required.
- Active personal bank account or personal e-wallet.
- Active contact: A valid phone number and email address.
Apply for a personal loan with cash express
Here is how to fast and easy send your loan application to Cash Express:
Step 1: Mobile verification: Enter your mobile number to start the application and verify your identity with a one-time password sent via SMS.
Step 2: Enter personal information: Fill out the required personal information
Step 3: Payment details: Choose how you want to receive your loan:
- E-Wallets – such as GCash, Maya, and others.
- Bank Account – Input accurate bank details for quick transfer.
Step 4: Upload documents & selfie: Take a live selfie with your ID for verification. Note: Upload from gallery is not allowed for security reasons.
Step 5: Confirm loan conditions: Review and confirm the loan terms and conditions before final submission.
Once all steps are completed, your loan application will be processed quickly. Upon approval, funds are disbursed to your bank account or e-wallet.
Tips for a successful loan application with Cash-Express
- Prepare your documents beforehand.
- Provide accurate information to avoid delays
- Stay responsive to calls or emails for faster verification.
- If you need help reach out to Cash-Express customer support.
- Read the loan terms carefully before confirming.
How much is the interest rate for cashexpress loans?
The loan interest rate with Cash express depends on your loan amount and chosen repayment term.
- For new clients the first 7 days: 0% interest
- After the 7th day: Days: 1.5% to 1.99% per day
- For returning customers: 1.5% to 1.99% per day
Each borrower receives a personalized rate based on their application. Use the Cash-Express loan calculator available on the website or app to estimate how much you can borrow and the repayment duration that fits your needs.
If you have already sent a loan application to Cash express, you can log in to your account and select your active or previous application to view the detailed calculation.
How do I know if my cash loan is approved?
Cash-Express keeps borrowers updated throughout the loan process. Once your loan application has been reviewed, you will receive a notification of the result through a text message, an email or someone from the Customer Service team may call you to confirm your application status.
Repaying your Cash expenses loan
How do I pay?
To repay your Cash-Express loan, log into your account and click PAY NOW. Choose your desired payment method, and the system will generate a reference number and instructions for a hassle-free transaction.
When is my loan due?
You can easily check your loan repayment due date by logging into your Cash-Express account and clicking on the HISTORY tab. Your repayment schedule is also clearly stated in the loan contract sent to you upon approval.
Repayment frequency
With Cash-Express Philippines, borrowers can choose their repayment frequency based on what best suits their financial situation:
- 7-Day Term
- 14-Day Term
- 21-Day Term
- 30-Day Term
Shorter repayment period with typically lower interest costs. Longer repayment period, which may come with slightly higher rates, but allows for smaller and more manageable payments.
Late payments and penalties – Cash-Express Loans
Timely repayment of your Cash-Express loan is very important to avoid additional charges and to maintain a good credit standing. Here’s what happens if you miss your due date:
- Immediate Penalty – Penalties begin to accumulate from the first day of delay until the loan is fully repaid or accrual is suspended. A 1% penalty per day is charged based on the loan amount.
- Additional Fixed Penalties – On the 5th, 10th, 15th, 20th, 25th, and 30th day of delay, an extra ₱125 is applied.
If you are facing unforeseen circumstances that prevent you from paying on time, we encourage you to contact Cash-Express customer service immediately.
Loan extension with Cash-Express
At the moment, Cash-Express offers loan extensions.
Remember to contact cashexpress in good time, before your loan due date to avoid penalties and maintain a good credit standing.
Does cash express have a loan app?
Yes, Cash-Express has a loan app for borrowers in the Philippines, that is legit and safe to use.
The Cash-Express Loan App is available for download on the Google Play Store.
iPhone users can apply through the Cash-Express website, which is mobile-friendly.
App Features:
- Apply for a loan in just minutes
- Track your loan status and repayment schedule
- Get updates on promos and offers
- Manage your account securely anytime, anywhere
Is Cash-ExpressSEC-registered?
Yes, Cash-Express is a legit online lender in the Philippines. It is a licensed and SEC-registered financing company, which means it operates legally under Philippine law.
Here are the official details:
- Company Name: Cash-Express Philippines Financing Inc.
- SEC Registration Number: CS201951088
- Certificate of Authority (CA): 2918
- Date of SEC Approval: June 20, 2019
Why Cash-Express is legit and trusted?
The company is regulated by the Securities and Exchange Commission (SEC) which ensures compliance with the Lending Company Regulation Act (RA 9474). Borrowers can safely apply online from Cash express.
Cash-Express has transparent terms and conditions. All interest rates, repayment dates, and penalties are disclosed before loan approval, and clients can keep track of their loan via their cash express profile.
While Cash-Express is legit and SEC-authorized, always review your loan terms, interest rates, and penalties for late payments to avoid unexpected costs.
Cash-Express reviews – Borrowers' feedback
Most borrowers appreciate the quick application and loan disbursement from Cash-Express. However, many warn about high interest fees, and daily penalties in case of late repayment. Those can rapidly increase the total repayment turning manageable loans into financial burdens.
If you're considering Cash-Express, it's wise to:
- Carefully review the terms and penalty structure
- Borrow only what you can fully repay on time
