Online Loan Philippines: Apply fast cash loan with zero interest.

Get first online loan
for 7 days with 0% interest


Get first online loan for 7 days with 0% interest

Only for repeated clients
Loan amount
0 10 000 0

Settlement amount


Cash-express is FAST, EASY and CONVENIENT

  • hour Quick approval in
    15 minutes
  • business Loan amount up to
    PHP 20 000
  • visit Need only
    one document

Cash-express Advantages

  • e-commerce Easy

    Simple and quick solution at the tip of your fingers

    • Apply anywhere you are
    • Only one document needed
  • technology Advance & Secured

    CXPH is utilizes advance digital tools to ensure your data is protected.

    • We carry the NPC (National Privacy Commission) seal of accreditation
    • We use the highest level of security to process and store your data. You are guaranteed confidentiality
  • money notification Fast & Convenient

    It only takes 5 minutes!

    • Get your loan proceed instantly in your bank account
    • Repay via online banking
    • Extend your loan due date

Getting the loan is easy!

  • 1


    Create your profile and fill-out the application form

  • 2


    Take our call and wait for the decision in just minutes

  • 3


    Once approve, money is transferred instantly to your bank

Customer testimonials


The service is good and the process as well since you give a 1% interest for the initial loan. I did not get my requested amount but that’s acceptable because it was my first loan. The process and approval were completed within 15 mins. The Customer Service was a great help to finish my application. I rate you to 10 for excellent service and fast approval. For the time being, I don’t have any thoughts or remarks about your loan process. You have a good system or process. more


Good and excellent service. My loan amount request was not met but that is fine. The process was good, quick and convenient because you gave it a prolongation. I was a first-time borrower who felt it was a fraud, but the customer service was quite helpful until I received the approved amount. more


The Customer Service is good in assisting my concerns and application. There is no issue with the process because you have fast approval and excellent help from customer service. You guys need to increase the amount of money you lend and the terms you provide. more


I got the concern on the mobile number, but the customer care is extremely attentive and willing to assist me with whatever information I require. You have a good service compared to other companies and I will give you a 10 score for the service. My only concern is that I wish you could have an online application rather than a website. more

Imus, Cavite

When it comes to client inquiries, you respond quickly. The amount you provided was fit for emergency situations. The loan application was completed online, the process was quick. Customer service is friendly and helpful, and they have good cooperation. Approval and disbursement is in fast process. I’m hoping that the interest rate on the second loan will be lower. more


Get first online loan for 7 days with 0% interest

What are Online Loans

Are you facing a financial emergency but lack sufficient savings or access to traditional loans? Look no further! Online lender Cash-express offers online loans in the Philippines may be the perfect solution. As online lending gains popularity in the Philippine, a loan providers offer a straightforward option to apply for and receive funds quickly.

Whether you need to borrow money for a medical emergency, home improvement, car repairs, or unexpected expenses, consider cash-express unsecured loans a fast and convenient solution. Just be sure to understand the risks before taking the plunge.

We process your application in just one business day! One of the lending companies, Cash Express, makes sure that our customers get the personal loan they need quickly and easily. Our online process is designed to be as simple as possible, so you’ll have your money in no time.

How to apply for a loan

Turn to Cash-Express for a hassle-free fast loan. Get approved within minutes by completing a simple application and verification process. Your loan amount will be directly deposited into your bank account for easy access.

Plus, extending your loan due date is a breeze. Create a personal profile and submit your application today to receive a decision in just 15 minutes.

Cash-Express offers flexible limits and payment periods to fit your needs. Borrow any amount from 1000 to 20,000 PHP, with payment options of 7 or 14 days. Apply now for the financial help you need when you need it.

Why do people take online loans?

Many Filipinos turn to online loans when they cannot access traditional banking services. It is much faster and easier than other credit options, making it a popular choice for those who need quick funding.

When do you need a loan?

There are certain scenarios when a loan may be necessary. These include:

Holidays and Vacations

Don’t let a lack of funds ruin your special celebrations with loved ones. From gifts to party supplies, credit can help you cover any unexpected expenses. We can give you the money anywhere you are! Whether you’re enjoying the beach of Boracay or the mountains of Baguio City.

No Salary

Struggling to make ends meet? Loan can provide the financial relief you need for essential expenses like food and bills. We offer same-day funding, so you can make it through the month.

Unforeseen Expenses

Home repairs and other unforeseen costs can quickly add up. With our credit product, you can get the extra funds necessary to cover these expenses and breathe easier.


Life happens, and unexpected expenses like medical bills or urgent home repairs can come out of nowhere. If you face a financial emergency and don’t have other options, an online loan can provide practical relief.

Auto repairs

Unexpected car repairs can be a financial burden, especially if you rely on your vehicle for daily transportation. We offer loan product to help cover the cost of any auto repair quickly and easily.

Gadgets, devices, and appliances!

Do you have an old laptop or phone that needs replacing? With Cash-Express, you can get the funds for a new device and enjoy the latest technology. Need an appliance for your home or office? We can help you get the money needed to buy it and have it delivered straight to your door.

Short-term needs

Sometimes, you need money for a short amount of time to cover a special event or bridge a temporary financial gap. In these cases, a fast cash can be a smart choice for quick access to cash.

Remember that taking out a loan is a serious decision, so be sure to consider all your options before committing. Cash-Express is always here to help you with the process, whether you need a small loan or an urgent one! Reach out today and let us know how we can help.

Where to get a cash loan urgently

If you’re in a financial bind and need cash now, there’s good news: you don’t have to leave your home to get a loan. Several companies in the Philippines offer fast online loans that are easy to apply for and can be approved within minutes.

All you need is a valid ID and a bank account. While most of these lenders don’t require credit history, work experience, education, or marital status, they do have specific eligibility criteria, such as a minimum income requirement. Be sure to carefully review the terms and conditions before applying.

To get started with Cash-Express, simply register on our website and indicate the card you want the money sent to. It’s that easy! Don’t let financial stress overwhelm you. Take advantage of fast cash loans and get the money you need today.

Advantages of a loan online on your card

Cash-Express offers a convenient loan solution that can be used for any short-term financial needs. Here are some of the benefits:


With Cash-Express, you don’t need to leave your home or wait in line at a bank. You can complete the entire online application process from the comfort of your own home.

Flexible Payment periods

Enjoy the freedom to choose when and how you pay back your loan with flexible payment periods. Whether you prefer 7 or 14 days to repay, our repayment plans make it simple and stress-free. Take advantage of our convenient online service today!

Highly secured

Don’t stress about the safety of your personal data – our state-of-the-art encryption technology ensures your information is completely protected. CX PH is proud to hold accreditation from the National Privacy Commission, guaranteeing your confidentiality. Plus, our advanced digital tools make the loan process easy and efficient.

Low-interest rates

Cash-Express offers a 0% interest rate – one of the best online loans in the Philippines!

Fast Approval

Get a quick cash in 15 minutes with Cash-express. Say goodbye to the hassle of waiting for days for a decision or jumping through hoops to get approved. With their instant approval loan proceeds, you can potentially receive up to PHP 20,000 on your card. So if you’re facing an unforeseen expense or cash flow crunch, don’t fret. Cash-express is here to help you get the funds you need quickly and effortlessly.

Documentary requirements for loan

Get cash with just one valid ID and an active personal bank account or e-wallet. Simply provide a picture of your chosen ID and snap a selfie holding the same ID. We accept any of the following IDs:

  • – Passport
  • – National ID
  • – Driver’s license
  • – SSS
  • – UMID
  • – Postal ID
  • – PRC ID.

That’s all it takes to get your loan approved with us!

It’s important to note that when applying for online cash loans from a legit lender like Cash-express, you will only have to provide supporting documents such as proof of identification, address, and income. You should not be asked to pay an upfront fee of any sort, and applying for a loan from an online loan company is safe as long as you only deal with legitimate companies.

Online loan application Step-by-step in Cash-express

Cash-express has got you covered with their streamlined process.

Simply follow these three steps:

1. Register: Create a profile on the site and fill out the application form using our loan calculator (choose type of loan, amount and term), sign loan agreement.

2. Loan approval: Receive a call from Cash-express and receive a decision in just minutes!

3. Get funded: Once approved, the money will be instantly transferred from the finance company to your bank account.

With just an ID card, you can apply for a loan and our fully automatic review system will process your application in no time. If approved, you can receive the funds via ATM card or bank account within 24 hours of applying. Don’t wait any longer – get the cash you need today!

Low-Interest rate

Cash-Express offers some of the lowest interest rates for online loans in the Philippines.

The interest rate is determined by 2 following factors:

New client or Repeated client

Are you a new client or a repeat client of Cash-Express? If you are a new customer, the interest rate will be higher than if you are an existing customer. For our first-time customers, a maximum amount of 10,000 pesos is available with a 0% annual percentage rate (APR) in your first 7 days of the credit plan!

Payment frequency (7 or 14 days)

Choose to pay back the loan over 7 or 14 days with easy payment plans. The interest rate changes depending on your chosen duration of payment. Generally, a longer period will come with a slightly higher interest rate. But, this generally translates to lower payments that are more comfortable for your budget.

First loan terms

Get an easy loan from Cash-Express with clear terms! For a 7-day loan, enjoy 0% interest per day on the Principal for the first 7 days. For the second period of the loan, the interest rate is only 1.99% per day.

Similarly, for a 14-day loan, enjoy only 1% interest per day on the Principal for the first 14 days, with a low-interest rate of 1.99% per day for the second period of the loan. We make it easy for you to quickly access the funds you need, without having to worry about fees.

Repeated loan terms

For our repeat customers, enjoy the same low-interest rates as your first loan. That’s right—the same 1.99% interest per day with no fees for renewal.

So don’t delay—apply for a low-interest loan from Cash-Express today and get the help you need in a timely fashion! With our comprehensive yet simple application process, you can easily access instant credit with fewer hassles.

Late payment/Penalty

Late Payment? Expect Daily Penalties!

When a credit repayment is delayed, penalties start accumulating immediately – that’s from the 1st day of delay until the loan is repaid in full, sold off, or accruals are suspended.

You’ll be charged a penalty rate of 1% per day of the loan amount, plus an extra penalty on days 5, 10, 15, 20, 25, and 30, totaling 125 PHP. If you fail to make timely payments, penalties can quickly add up.

To avoid the unnecessary financial burden and keep your credit score in good standing, Your payment requirements should always be met on time. If you cannot repay the loan on time due to unforeseen circumstances, contact our customer service team for help. We’re always here to help!

How to Repay a Loan?

It’s crucial to use a unique reference number for each payment. Here’s what you need to do:

  • First, log in to your Cash-express personal account. Then, select the amount that works for you.
  • Finally, click the “Repay” button and follow the prompt to open the Dragonpay window. Keep these steps in mind for a successful loan repayment process!

Repaying your loan with Cash-express just got more convenient! We offer various payment options, including Dragonpay, GCash, CLIQQ, 7-Eleven, and other internet services.

Need assistance?

No problem. Our customer service is just a phone call or an email away. And if you have concerns about data protection, rest assured that our compliance and data protection department is ready to assist you.

We also prioritize compliance with applicable laws and provide dispute-resolution services. So don’t hesitate to contact us if you have questions about your loan or need assistance. We’re always here to help.

Be a Responsible Borrower!

So, you’ve already taken out a loan with Cash-express and want to be a responsible borrower? Here are our 3 tips!

Always make sure you can afford the payments

Before taking out a loan, ensure that you have an income or savings that will cover your ongoing expenses, including loan repayment. Be mindful of the things that you purchase and make sure they will not affect your ability to repay on time.

Know the total cost of your loan

Look out for any additional fees beyond the principal amount and interest rates, such as processing fees or late payment penalties. Make sure you understand all of these costs before signing up for a loan.

Make timely repayments

If you can’t afford to make the full repayment on time, contact your lender. You may be able to work out a payment plan or different terms that are suitable for both parties. Whatever it is, make sure you prioritize paying off the loan as quickly as possible.

Ease Your Financial Burden with Cash-Express!

No matter what your financial needs are, Cash-Express is here to help with. We offer competitive and low-interest loan options with flexible repayment plans that make it easy to get the funds you need. So, don’t wait—apply for a loan today. We are dedicated to bringing you financial relief, wherever you are in the country. Apply now and start living the life you deserve.