Cash-Express Loan App Review PH: Legit? Complaints? Requirements

In the ever-evolving landscape of financial services, the Philippines has seen a surge in the popularity of online lending platforms, providing quick and convenient access to funds. Cash-Express PH has emerged as a noteworthy player in this space. This article will delve into the intricacies of Cash-Express, offering an extensive analysis of its essential features, benefits, drawbacks, and a step-by-step guide on navigating its application process.

Don’t overlook:

Top 10 Fast Online Loans in Philippines – A Valid ID is All You Need Updated in April 2024 

Rank Lender Name & Application Link Loan Amount Loan Term Interest Rate Repayment ID Required Age Range Special Feature
#1

SOSCREDIT
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₱1,000 – ₱25,000 3 – 12 months 0% for first loan Monthly or End of term Only ID Card required 20 – 70 Receive money in 15 mins
#2

CREDIFY
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₱1,000 – ₱25,000 3 – 12 months 0% for first loan Monthly or End of term Only National ID required 20 – 70 Receive money in 15 mins
#3

CREZU
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₱1,000 – ₱25,000 2 – 4 months 0% for first loan Monthly or End of term Only ID Card required 18 – 70 Easy loan approval
#4

FINBRO
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₱1,000 – ₱50,000 1 – 12 months 0% for first loan Monthly or End of term Only ID Card required 20 – 65 Receive money in 10 mins
#5 CREDITIFY
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₱1,000 – ₱25,000 1 – 180 days 0.1% Monthly or End of term Only ID Card required All accepted Approve Bad credit
#6 CASHSPACE
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₱1,000 – ₱25,000 2 – 4 months 0% for first loan Monthly or End of term Only ID Card required 18 – 70 Easy loan approval
#7 DIGIDO
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₱1,000 – ₱25,000 3 – 6 months 0% for 7 days Monthly or End of term Only ID Card required 21 – 70 Receive money in 4 mins
#8 KVIKU
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₱500 – ₱25,000 60 – 180 days 1.2% per month Monthly or End of term Only ID Card required 18 – 65 Receive money in 5 mins
#9 CASHEXPRESS
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₱1,000 – ₱20,000 7 – 30 days 0% for first loan End of term Only ID Card required 21 – 70 Receive money in 5 mins
#10 MONEYCAT
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₱500 – ₱20,000 7 – 180 days 0% for first loan End of term Only ID Card required 22 – 65 Easy loan approval

1. Summary of Cash-Express PH Loan App

  • Loan Amount: 1000 – 20,000 PHP
  • Eligibility Age: 18 – 65 years old
  • Loan Term: 7 – 30 days
  • Interest Rate: 0% interest for the first loan
  • Requirements: National ID
  • Pros: Legitimate, Minimal Complaints
  • Cons: Limited initial loan amount
  • Effectiveness Rating: Good
  • Bad Credit: Not Allowed
  • Detailed Feedback: Further insights within this article
  • Application Link: https://www.cash-express.ph/

2. What is Cash-Express PH?

Cash-Express PH is a user-friendly online platform that facilitates swift financial assistance without the complexities of traditional lending. Offering quick loans ranging from 1000 to 20,000 pesos, Cash-Express boasts a remarkable 15-minute approval process and disburses funds within 7 to 14 days through bank transfers.

3. Pros of Cash-Express Philippines

Opting for a Cash-Express loan comes with numerous advantages, including:

  • Simplicity: Streamlined financial solutions with only one valid ID requirement, accessible anytime, anywhere.
  • Data Security: Robust data storage systems ensure the highest level of information security.
  • No Collateral: No need for collateral or income documentation.
  • No Appraisals: Cash-Express skips on-call or in-person appraisals, saving time and effort.
  • Rapid Approval: Automatic approval in just 15 minutes with funds disbursed within 5 minutes.
  • Loan Extension: Flexibility to extend the loan repayment period.
  • Interest-Free First Loan: Enjoy the first loan with 0% interest for the initial 7 days.

4. Cons of Cash-Express Ph Loan App

While Cash-Express has its merits, there are some limitations to consider:

  • Loan Limits: Loan amounts may not be sufficient for substantial financial needs.
  • Short Terms: Loan terms are relatively short.
  • Interest Rates: Subsequent loans may carry higher interest rates compared to bank or financial institution loans.
  • Limited Loan Types: Cash-Express doesn’t support monthly installment loans or student loans.

5. Cash-Express Ph Interest Rates

Cash-Express installment loans offer an enticing 0% interest rate for the first loan. However, for loans extending beyond 14 days, a daily interest rate of 1% applies. Repeat loans incur an interest rate of 1.99% per day.

6. Example of Cash-Express Ph Interest Rate Calculation

For example, if Customer A borrows 8000 pesos for 14 days at a 1% daily interest rate, the total amount payable after 14 days would be 9120 pesos.

7. Cash-Express Ph Loan Requirements

Cash-Express online loan application in the Philippines requires borrowers to be between 21 and 70 years old, residing in the Philippines, employed, possess an active phone number, have a bank account or e-wallet, and hold one of seven acceptable identification documents, such as a passport, SSS, National ID, postal ID, driver’s license, PRC ID, or postal ID.

  • First Loan: To apply for the first loan, Cash-Express Ph requires personal information registration, featuring an automatic approval process delivering results within 15 minutes, with disbursed funds sent directly to the borrower’s bank account.
  • Second Loan: For repeat loans, users simply log in with their registered phone number, select Cash-Express Ph Credit line, submit the loan application, and await approval.

8. Guide to Register for Cash-Express PH Loan Application Step-by-Step

To navigate the application process successfully:

Step #1: Visit Cash-Express

  • Access Cash-Express via this link: https://www.cash-express.ph/
  • Choose your desired loan amount.

Step #2: Enter Phone Number

  • Input your personal phone number and agree to the terms and conditions.
  • Verify your identity by entering the code sent to your phone.

Step #3: Fill in Personal Information

  • Provide personal details including name, ID, gender, date of birth, email, education, employment, monthly income, and bank account or e-wallet information.

Step #4: Confirm Loan Application Information and Wait for Approval

  • Confirm loan details, repayment frequency (7 or 14 days), and the receiving account.
  • Approval results will be communicated via email or SMS, with funds disbursed in just 15 minutes.

9. Reviews of Cash-Express PH Online Loan App Feedback

Cash-Express Philippines enjoys a solid reputation, boasting fast disbursements, a high approval rate, and stellar feedback, with a 5/5 star rating for loan service quality.

10. Cash-Express PH Payment Methods

Cash-Express offers three convenient payment options:

  • GCash, CLIQQ, Grabpay: Select Dragon Loans, enter your reference number, contact number, payment amount, and email to complete the transaction.
  • Payment Centers: Make payments at locations like 7-Eleven, Bayad Center, or Cebuana Lhuillier.
  • Internet Banking: Utilize online banking services from banks like Metrobank, RCBC, or Maybank.

11. Compare Cash-Express PH Loan App with Other Loan Apps

Consider how Cash-Express stacks up against other loan apps in the Philippines:

Criteria Cash-Express Ph Finbro Unacash App
Loan Limits 1000 – 20,000 pesos 1000 – 50,000 pesos 1000 – 50,000 pesos
Tenor 7 – 14 days 1 -12 months 2 – 6 months
Interest 30% – 60% per month 15% – 37.5% per month 0% – 16% per month
Age 21 – 70 years old 20 – 65 years old Over 18 years old
Application Time 15 minutes 15 minutes 15 minutes
Rating Review 8/10 9/10 9/10

12. Cash-Express Ph Customer Service

For inquiries or concerns, Cash-Express Ph provides various means of contact:

  • Hotline: +632 7902-7390, +63 939 919-5727, +63 917 115-8452. Support is available from 8 am to 8 pm on the 2nd to 6th days of the week, with weekend hours from 9 am to 6 pm.
  • Billing Support Email: payments@cash-express.ph
  • Account Support Email: verification@cash-express.ph
  • Customer Support Email: customersupport@cash-express.ph
  • Cash-Express Tracking Email: hr@cash-express.ph
  • Additional Support Emails: info@cash-express.ph

13. FAQs – Cash-Express PH Loan App in the Philippines

Here are some frequently asked questions concerning Cash-Express loan applications:

Is Cash-Express Loan Legitimate?

Yes, Cash-Express is a legally registered loan provider, offering transparent terms, fees, and interest rates, with utmost confidentiality for borrower information.

Does Cash-Express Check Credit?

Cash-Express does not perform credit checks. However, approval and loan terms are influenced by the borrower’s financial capability and payment history.

How to Pay Cash-Express PH via GCash?

To pay through GCash, follow these 5 simple steps outlined earlier in this article.

How Do I Receive Money from Cash-Express?

Cash-Express disburses funds directly to the borrower’s registered bank account or e-wallet upon loan approval.

14. In Conclusion – Should You Apply to Cash-Express PH Loan in the Philippines?

Cash-Express PH loan app is a reputable and legally operated online cash lending service in the Philippine market. For those seeking quick access to smaller loan amounts with short repayment periods, Cash-Express is an excellent choice, boasting a high approval rate and swift disbursement times.

Navigating the financial landscape has never been easier, and Cash-Express stands as a reliable partner for individuals in need of fast and hassle-free financial support. With transparent terms, data security, and a user-friendly application process, Cash-Express continues to earn positive feedback from satisfied customers. So, if your financial needs align with the offerings of Cash-Express, don’t hesitate to explore the possibilities it presents. Apply for a Cash-Express loan today and experience the convenience of online lending in the Philippines.

Check out other online loans in Philippines:

 
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SEC Registration No. CS201908275 SEC Certificate of Authority No. 2990
APR from 30% to 365%
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18 - 70 years
registration number: 14523902
from 0%
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18+ years
registration number: 14523902
APR from 4% to 916%
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CS20200000915
APR from 0% to 427%
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43603085405
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5/5 - (7 votes)

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