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.
Top 10 Fast Online Loans in Philippines – A Valid ID is All You Need Updated in July 2024
| Rank | Lender Name & Application Link | Loan Amount | Loan Term | Interest Rate | Repayment | ID Required | Age Range | Special Feature |
|---|---|---|---|---|---|---|---|---|
| #1 |
SOSCREDIT |
₱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 |
₱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 |
₱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 |
₱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 Apply Now |
₱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 Apply Now |
₱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 Apply Now |
₱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 Apply Now |
₱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 Apply Now |
₱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 Apply Now |
₱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:
|
Online Loan |
Interests |
Loan Amount |
Loan Term |
Borrower Age |
SEC License |
|
|---|---|---|---|---|---|---|
|
APR 143% |
₱1,000 - ₱25,000 |
from 3 to 6 months |
21 - 70 years |
SEC Registration No. 202003056. Certificate of Authority No. 1272 |
|
|
APR 145% |
₱500 - ₱20,000 |
from 3 to 6 months |
22+ years |
Certificate of Authority To Operate Number: 1254 |
|
|
from 0% |
₱1,000 - ₱20,000 |
from 10 days |
22 - 70 years |
Registration № CS201726430, CA №1181 |
|
|
0.16% per day |
₱500 - ₱25,000 |
from 2 to 6 months |
20 - 55 years |
SEC Registration No. CS201918702. Certificate of Authority No. 3169, NPC Registration No. PIC-001-791-2021 |
|
|
APR 84% |
₱5,000 - ₱50,000 |
from 6 to 24 months |
18+ years |
||
|
APR 365% |
₱1,000 - ₱20,000 |
7 or 14 days |
18+ years |
Company Registration No. CS201951088 and Certificate of Authority No. 2918 |
|
|
₱5,000 - ₱25,000 |
from 6 to 12 months |
18 - 68 years |
Reg No. CS201602333 |
||
|
APR 143% |
₱1,000 - ₱20,000 |
22 - 70 years |
Registration № CS201804564 |
||
|
APR from 0% to 427% |
₱500 - ₱25,000 |
from 3 to 12 months |
18+ years |
Latvian business number 43603085405 |
|
|
APR from 4% to 916% |
₱1,000 - ₱25,000 |
from 3 to 12 months |
18+ years |
||
|
from 0% |
₱1,000 - ₱50,000 |
up to 12 months |
20 - 65 years |
SEC Registration No. CS201908275 SEC Certificate of Authority No. 2990 |
|
|
APR from 30% to 365% |
₱500 - ₱25,000 |
from 91 days to 2 years |
18+ years |
||
|
from 0% |
₱1,000 - ₱25,000 |
18 - 70 years |
registration number: 14523902 |
||
|
from 0% |
₱1,000 - ₱25,000 |
18+ years |
registration number: 14523902 |
||
|
APR from 4% to 916% |
₱1,000 - ₱25,000 |
from 30 days |
18+ years |
||
|
1.3% per day |
₱1,000 - ₱30,000 |
from 30 days |
20 - 65 years |
CS20200000915 |
|
|
APR from 0% to 427% |
₱500 - ₱25,000 |
from 3 to 12 months |
18+ years |
43603085405 |
|
|
APR 180% |
₱1,000 - ₱25,000 |
from 3 to 12 months |
20+ years |
||
|
APR up to 180% |
₱1,000 - ₱25,000 |
from 3 to 12 months |
20+ years |