Cash-Express Philippines Information You Should Know

In times of financial urgency, borrowing from traditional sources like banks or relatives may not be feasible. Cash-Express Philippines offers a fast, convenient, and secure solution with online loans requiring minimal documentation.

Cash-Express provides loans from 1,000 to 25,000 PHP, with 0% interest for first-time borrowers on loans up to 10,000 PHP for 7 days. This guide, updated with the latest information from cash-express.ph, explores the benefits, requirements, and application process for Cash-Express loans.

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Loan Type	Online loan
Required Document	1 Valid ID (SSS, UMID, TIN, Driver’s License, Passport, Postal ID, PRC ID)
Age	21–70 years
Loan Limit	1,000 – 25,000 PHP
Loan Term	7 – 14 days
Disbursement Time	Within 15–30 minutes
Promotion	0% interest on first loan (up to 10,000 PHP for 7 days)

What is Cash-Express?

Cash-Express is an online lending platform operated by Cash-Express Philippines Financing Inc., a fintech company registered with the Securities and Exchange Commission (SEC) under Registration No. CS201951088 and Certificate of Authority No. 2918, established on March 10, 2019. It is part of the Aventus Group, which has issued over €2.5B in loans across 14 countries.

• Address: Avida CityFlex, 7th Ave cor. Lane T, North Bonifacio, Bonifacio Global City, Taguig, Philippines
• Hotline:
  • Landline: +632 7902-7390
  • Smart: +63 919-073-7629
  • Globe: +63 917-163-3690
  • Working hours: 10 AM–8 PM, Monday–Friday
• Email:
  • Payments: payments@cash-express.ph
  • Application follow-up: verification@cash-express.ph
  • Customer support: customersupport@cash-express.ph
  • Careers: hr@cash-express.ph
  • General inquiries: info@cash-express.ph
• Facebook: Cash-Express Philippines

Cash-Express offers short-term loans with a fully automated review system, disbursing funds within 15–30 minutes to a bank account or e-wallet (GCash, PayMaya). No collateral or credit checks are required, making it accessible for urgent financial needs.

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Is Cash-Express Legit?

Cash-Express is a legitimate online lending platform, registered with the SEC under Registration No. CS201951088 and Certificate of Authority No. 2918, issued on June 20, 2019. It complies with the Republic Act No. 3765 (Truth in Lending Act) and is accredited by the National Privacy Commission (NPC) for data protection, using advanced encryption technology to secure user information.

Company Name

Cash-Express Philippines Financing Inc.

SEC Registration

CS201951088

Certificate of Authority

2918

Registration Date

20-Mar-19

It is listed in the List of Registered Online Lending Companies and operates transparently under Philippine laws.

Cash-Express Loan Reviews

Based on user feedback from Google Play and other sources, Cash-Express has received mixed reviews:

Juan Dela Cruz ★★★★★ Fast approval and disbursement within 30 minutes. The 0% interest for the first loan was a lifesaver for my medical expenses.

Maria Santos ★★★★ Easy application process, but the daily interest rate for repeat loans is quite high. Good for emergencies, but plan repayments carefully.

Carlo Reyes ★★★ Got approved quickly, but received multiple SMS reminders even after paying on time, which was annoying.

Anonymous ★★ The app is user-friendly, but I got unsolicited texts from other loan apps after applying, raising privacy concerns.

Advantages of Cash-Express

• Simple Process: Requires only one valid ID and a selfie, fully online registration.
• Fast Disbursement: Funds transferred within 15–30 minutes to bank accounts or e-wallets.
• 0% Interest for New Borrowers: First loans up to 10,000 PHP for 7 days at 0% interest.
• No Collateral: Unsecured loans, no need for assets.
• Transparent Terms: Clear loan calculator on the website for interest and repayment details.
• Flexible Repayment: Multiple payment channels (GCash, PayMaya, 7-Eleven, etc.).
• Bad Debt Support: Loans available for customers with bad credit, subject to evaluation.

Disadvantages of Cash-Express

• Loan Limit: Maximum 25,000 PHP, insufficient for larger financial needs.
• Short Loan Term: 7–14 days, requiring quick repayment.
• High Interest for Repeat Loans: 1% per day (approximately 30% per month), which can be costly.
• Penalties: 1% daily penalty plus 125 PHP on the 5th, 10th, 15th, 20th, 25th, and 30th days of delay.
• Privacy Concerns: Some users report unsolicited messages from other loan apps post-application.

See also: Robocash (DiGiDo) online loan – How to get cash in 15 min

Cash-Express Loan Conditions

To qualify for a Cash-Express loan, you must meet these criteria:

• Age: 21–70 years old at the time of loan maturity.
• Nationality: Filipino citizen residing in the Philippines.
• Employment: Employed or self-employed with a stable income.
• Contact: Valid mobile number and email address.

Cash-Express Loan Requirements

• Identification: One valid government-issued ID (SSS, UMID, TIN, Passport, Driver’s License, Postal ID, PRC ID) and a selfie holding the ID.
• Bank Account/E-wallet: Active personal bank account or e-wallet (GCash, PayMaya) for disbursement.
• Contact References:
  • Employed: HR/supervisor contact, 1–2 colleagues, 1–2 personal references (adult relatives or household members).
  • Self-employed: Trade/supplier contact, link to online shop, 2 personal references (adult relatives or household members).
• Optional: For self-employed, business permit, DTI Certificate, Barangay Business Permit, or Mayor’s Permit may be requested.

Cash-Express Loan Limits and Periods

• Loan Limit: 1,000–25,000 PHP (first-time borrowers limited to 10,000 PHP).
• Loan Period: 7 or 14 days, designed to align with cashflow.

Cash-Express Loan Interest Rate

First-time borrowers enjoy 0% interest on loans up to 10,000 PHP for 7 days. For subsequent loans, the interest rate is 1% per day (approximately 30% per month). A sample calculation for a 10,000 PHP loan for 14 days: 10,000 + (10,000 × 0.01 × 14) = 11,400 PHP total repayment.

Note: Use the loan calculator on cash-express.ph to check exact repayment amounts.

How to Apply for a Cash-Express Loan

Applying for a Cash-Express loan is simple and fully online:

Step 1: Register

Visit cash-express.ph or download the Cash-Express app. Select a loan amount (1,000–25,000 PHP), enter your phone number, and verify with the SMS code.

Step 2: Complete Application

Fill out the online form with:

• Personal Details: Name, ID number, date of birth, email, address.
• Employment: Job status, income, HR/supervisor or supplier contacts.
• References: 1–2 colleagues or personal references.
• Bank/E-wallet: Account details for disbursement.

Step 3: Submit Documents

Upload a clear photo of your ID and a selfie holding the ID. Self-employed applicants may need to provide a business permit or online shop link.

Step 4: Get Approved and Receive Funds

Applications are reviewed within 5–15 minutes. If approved, funds are disbursed to your bank account or e-wallet within 15–30 minutes.

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How to Repay a Cash-Express Loan

Repay on or before the due date to avoid penalties (1% daily plus 125 PHP on specific days). Follow these steps:

Repayment Steps:

1. Log in to your Cash-Express account and click “Pay Now.”
2. Select a payment method: DragonPay, GCash, PayMaya, 7-Eleven, CLIQQ, or online banking (BDO, BPI, RCBC, etc.).
3. Use the unique reference number provided to complete the payment.
4. Keep payment receipts for reference.

Notes:

• Early repayment is allowed without penalties.
• Pay 1–2 days early to ensure processing.
• Contact payments@cash-express.ph for payment issues.

See also: Digido Philippines – Online loan with low interest rate

Frequently Asked Questions About Cash-Express

Conclusion

Cash-Express Philippines is a reliable choice for quick, hassle-free online loans, offering fast approval, 0% interest for first-time borrowers, and flexible repayment options. This guide, updated with the latest data from cash-express.ph, ensures you have accurate information to make informed financial decisions.

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See also: Moneycat – Online loan 1,000 – 20,000 PHP with free interest