Cashspace

Cashspace is an online loan-matching platform that connects people looking for a loan with a network of partner lenders. It isn't a lender itself and doesn't fund loans from its own money — after a user submits one application, the site shares that information with its partners, who independently assess creditworthiness and present their own offers.

The service is free to use—Cashspace doesn't charge a fee for matching a user with offers. Any cost a borrower actually pays comes entirely from the terms of whichever partner lender they choose, not from Cashspace.

About Cashspace

• Owner: Fininity OÜ (Estonia), registration number 14523902, registered address Paadi tee 3, Haabneeme, Harju County, Estonia
• Business model: Loan-matching platform, working with a network of lending partners in the Philippines. Cashspace is not a financial institution, bank, or lender

How the Matching Process Works

A user selects a rough loan amount on the homepage and submits a short application. Cashspace states it carefully vets each lender it works with and only shows financial organizations it trusts, though it doesn't name specific partners on the main site — a separate partners-list page exists for that. The platform states it doesn't factor a poor credit history into whether an applicant sees offers, since that assessment is left to the individual lenders.

After submitting the application, the system presents a list of matched offers. Selecting one redirects the user to that lender's own site to review the actual terms and finalize the loan—Cashspace's role ends at that point.

Range of Terms Across Partners

Cashspace doesn't set its own loan terms—the figures below are an aggregate range the platform states for its network as a whole, not the terms of any specific lender:

• Loan amount: ₱500 to ₱25,000
• Repayment term: 61 to 120 days (roughly 2 to 4 months)
• Interest rate: varies by lender, from 12% up to a maximum APR of 36%

The site notes that several of its partners offer a 0% introductory rate for new clients, with exact conditions disclosed on that lender's own site after redirection.

Application Process

1. Choose a rough loan amount on Cashspace's homepage.
2. Fill out a short application form.
3. Receive a list of matched offers from partner lenders, with most approved applicants getting funded the same day they apply.
4. Select an offer and get approved on that lender's own site.
5. Receive funds directly from the chosen lender, not from Cashspace.

One application, many offers—but partners stay unnamed until you apply

Pros:

• One application gives access to multiple lender offers instead of applying to each separately.
• The service itself is free — Cashspace doesn't charge a fee to the borrower.
• Most approved applicants report receiving funds the same day they apply.
• States it doesn't treat a poor credit history as an automatic disqualifier, since that's left to individual lenders.

Cons:

• Actual loan terms — amount, rate, and repayment schedule — aren't visible until after being redirected to a specific partner's site.
• Partner lenders aren't named on the main site itself, only on a separate partners-list page.
• The advertised maximum APR of 36% is unusually low for this market — worth double-checking after redirection, since it doesn't match what direct PH lenders typically disclose.
• The site is operated by an Estonia-registered company, which may be an unfamiliar detail for a Philippine borrower checking who they're dealing with.

Customer Experience and Reputation

I found no independent Trustpilot or Google Reviews rating for Cashspace.ph at the time of this review. The site displays its own testimonials and self-reported statistics — over 312,000 satisfied clients and a 97% approval rate — none of which are independently verified by a neutral aggregator.

Who Is Cashspace Best For?

Cashspace suits Filipino residents who want to compare several lender offers through a single application rather than applying separately to each one, and who are comfortable with their information being shared across multiple partners before knowing the exact terms. It's a less comfortable fit for someone who wants to see a lender's name and specific terms before submitting any personal information.

Conclusion

Cashspace's core value is the same as other platforms in this category: one short application instead of separate paperwork with multiple lenders, at no cost from the platform itself. For someone comparing options quickly, that's a genuine convenience.

The trade-off is the same too — specific terms only appear after being matched and redirected to a partner's site, and the partner network isn't disclosed upfront on the homepage. For someone comfortable with that sequence, Cashspace does what it's built to do. For someone who wants to know exactly who they're borrowing from before applying, checking the separate partners-list page first, or going directly to a known lender, may be the more transparent path.

Frequently Asked Questions

Is Cashspace a lender?

No. Cashspace is a loan-matching platform that connects applicants with partner lenders. It doesn't fund loans itself and doesn't set loan terms.

Who owns Cashspace?

Cashspace is a brand of Fininity OÜ, a company registered in Estonia under registration number 14523902 — the same company that operates Crezu.

Does Cashspace charge a fee?

No. The matching service is free for the borrower.

What loan amounts and terms are available through Cashspace?

The platform states an aggregate range across its partners: ₱500 to ₱25,000, with repayment terms of 61 to 120 days. Interest rates vary by lender, from 12% up to a maximum APR of 36%.

Can I get a loan through Cashspace with bad credit?

Cashspace states it doesn't treat a poor credit history as an automatic disqualifier, though final approval depends on the individual lender's own assessment.

What documents do I need to apply?

One valid government-issued ID.

How long does approval take?

Approval time depends on the chosen lender. Most approved applicants receive their funds the same day they apply.