Personal Loans in the Philippines
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Personal Loans in the Philippines:
Everything You Need to Know

Personal Loans in the Philippines:
Everything You Need to Know

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Cash-Express Personal Loans in the Philippines

Are you looking to get your finances back on track but don’t know where to start? It can be tough navigating the world of financial products and services, especially when you are unfamiliar with the marketplace. But don’t worry! Cash Express is here to help by offering affordable personal loans in the Philippines. With our easy-to-use application process, flexible terms & conditions, and competitive interest rates, obtaining a loan has never been easier. Read on to learn more about this incredibly simple way to get a jumpstart on achieving your financial goals!

What is a Personal Loan and How Does it Work in the Philippines?

A personal loan is a type of credit that allows borrowers to finance large purchases, consolidate debt, or pay for unexpected expenses. When you take out a personal loan, you agree to borrow a certain amount of money and make fixed payments on the principal plus interest over a set period of time.

Online lenders like Cash-Express make it easy to apply for and be approved for a personal loan in the Philippines. After you submit an application, our team will work with you to customize a credit product that meets your specific needs and financial situation! You can get up to 20,000 pesos worth of credit products with a quick and easy online application.

Benefits of Taking Out a Personal Loan

When it comes to borrowing money, there are many advantages to taking out a personal loan.

You can use the funds for almost any purpose!

Personal loans can be used to cover a variety of expenses, from home repairs and medical bills to travel expenses and more. With a personal credit, you won’t have to worry about using your hard-earned money for unexpected costs or things that aren’t necessarily in your budget.

You can pay off debt faster!

A credit plan can also be a great way to consolidate your existing debt into one manageable payment. By rolling all of your outstanding debts into one loan, you can take advantage of lower interest rates and longer repayment terms, paying off your debt faster with less money out-of-pocket!

You can build or rebuild your credit score

Having a good credit score is important for so many things. Personal credit can help you build or rebuild your credit by making timely payments, showing responsible borrowing habits, and demonstrating that you’re capable of managing debt in the future.

Qualifying for a Personal Loan in the Philippines

Before applying for a personal loan online application in the Philippines, it’s important to make sure you meet the minimum criteria set by the lender.

The basic qualifications for most online lenders may include criteria like being employed or self-employed with a steady income, having a valid I.D., proof of address, and more!

But with Cash-Express we make it easy to qualify – here are our criteria :

1. Age 21-70 years old;

2. Filipinos that are currently living in the Philippines;

3. Currently employed or with a stable source of income;

4. Have an active personal mobile number;

5. Have an active personal bank account or personal e-wallet;

6. Have any valid IDs

Learn how to apply for a personal loan quickly within 1 business day!

Maximum Amount That Can Be Borrowed

The maximum amount that can be borrowed varies depending on the lender and the borrower’s unique financial situation. With Cash Express, you can get up to Php 20,000 pesos worth of credit products with a simple online application process! That is if you are our recurring customer with good payment records.

We do offer cash up to 10,000 pesos for first-time borrowers. So take the first step and apply for a personal loan today and get a jumpstart on achieving your financial goals!

Loan Terms, Interest Rates & Fees

Taking out a credit can be a daunting task, but understanding the loan terms, interest rates, and fees is crucial to making an informed decision.

At Cash Express, we offer competitive rates for personal loans in the Philippines, with flexible repayment schedules to suit your needs. And as a special offer for first-time borrowers, we offer an incredibly low 1% interest rate. It’s important to note that there are no hidden fees, so you can rest assured that you’ll only pay what you owe.

However, it’s important to make timely repayments, as penalty fees accrue daily from the first day of delay until the credit cash is fully repaid.

Calculate your interest rate using our online loan calculator that can be found at the top of our website! It will be easier to plan and budget your loan repayment.

How to Repay Your Loan

At Cash Express, we offer various repayment options to make the loan repayment process easier. We accept payments via bank transfer, credit card or debit card, or our convenient online wallet service.

Cash-express gives clients a convenient way to repay their loans by generating a payment reference number. By logging into their personal account, clients can choose their repayment amount and click the “Repay” button to open the Dragonpay window. It’s important to not postpone loan repayment in order to get a second loan faster and on more profitable terms.

With multiple payment options, such as Dragonpay, GCash, CLIQQ, and 7eleven, clients can easily pay off their debt. Cash-express also provides contact information for customer service and compliance and data protection department on their website.

Don’t forget to comply with the applicable law and use dispute resolution if needed!

Learn more How to repay a loan using our partnered banks and e-wallets

Apply for a Personal Loan with Cash-Express today!

If you’re looking for an easy and convenient way to get the loan you need, Cash-Express is the right choice. We offer competitive rates with flexible repayment schedules tailored to your needs. Plus, we make it easy to apply with our simple online application process. Fill out our free online application today and take the first step toward achieving your financial goals!

FAQ

How can I compare personal loans in the Philippines?

To compare personal loans in the Philippines, visit comparison websites or use online loan calculators to check interest rates, repayment terms, and other fees. Research multiple lenders and read customer reviews to make an informed decision.

Where can I apply for a personal loan in the Philippines?

You can apply for a personal loan in the Philippines through banks, credit unions, or online lenders like Cash-Express. Visit their websites or branches to complete the application process.

What is the typical personal loan interest rate in the Philippines?

Interest rates for personal loans in the Philippines vary depending on the lender and your credit profile. Rates typically range from 1% to 3% per month or 12% to 36% annually.

Where can I find the easiest personal loan in the Philippines?

Online lenders like Cash-Express often provide the easiest personal loan application processes, with fewer requirements and faster approval times compared to traditional banks.

Which bank in the Philippines gives personal loans easily?

Different banks have varying loan approval processes, but some banks known for easier personal loan approvals include BPI, BDO, and Security Bank. However, online lenders like Cash-Express may provide even easier loan application processes.

How can I get a personal loan in the Philippines?

To get a personal loan in the Philippines, choose a lender (bank, credit union, or online lender), ensure you meet their eligibility criteria, and submit the required documents. Complete the application process and wait for approval before receiving the loan amount.

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Terms & Conditions

Cash-Express Philippines Financing Inc. (the “Company”) is an information technology-based loan services provider accessible at https://cash-express.ph (the “Website” or the “Platform”) providing, managing and operating the Website for its users.

By using the Website, you hereby acknowledge that you have read and understood, and unconditionally accepted and agreed to be bound by all the terms and conditions (the “Terms & Conditions”) below, whether you are a registered member of the Website.

1. Composition of the Terms & Conditions

These Terms & Conditions also include the following additional terms which shall apply to:
(a) Privacy policy and data protection requirements. Any personal or other sensitive information relating to any user of the Platform will be collected, processed, stored and transferred for legitimate purpose or purposes pursuant to and in accordance with applicable laws of the Republic of the Philippines regarding data privacy protection. By continuing using the Website and by providing information requested by the Platform, you hereby provide your full consent for such disclosure and processing of your personal information;
(b) Lender’s terms and conditions. Users of the Platform intending to act as lenders will be subject to accepting a services agreement relating to money lending services on the Platform and lender’s terms and conditions. For avoidance of doubt, all such texts and documents will be easily accessible on the Website for such users;
(c) Borrower’s documentation. Users of the Platform intending to act as borrowers will be subject to accepting a loan agreement establishing rights and obligations between the lender and the borrower.

2. Changes in the Terms & Conditions

The Terms & Conditions are subject to change at any time and upon the Company’s discretion without need for notification to the users of this Website. All changes made are timely published on the Website following mandatory notification of all registered users of the Platform and will be effective as of the date specified in the updated version of the Terms & Conditions and/or such notice, as applicable. Any further use of the platform following publishing of an updated version of the Terms & Conditions shall be deemed as acceptance of an updated Terms & Conditions.

3. Coverage area

The Website is designed and construed to provide information technology-based financial services within the territory of the Republic of the Philippines. However, the Website is accessible and open for general use worldwide, therefore, some of the Website’s content may not be applicable or appropriate for such use outside the Republic of the Philippines.

4. Registration

By completing registration within the Platform, you hereby represent and warrant that:
(a) information, declarations, documents, representations and warranties made, given or as evidenced by any documents submitted within the Platform are and will continue to be true, accurate and correct in all respects and will comply with applicable laws and regulations at all times;
(b) you have legal capacity and authority to be bound by a contract (private individuals must be at least 18 years old);
(c) you must be an individual who is a citizen of the Philippines and residing within the territory of the Republic of the Philippines;
(d) prompt notification will be given to the Platform in case of change of one of the following details: residence or business address, employment status, phone number and e-mail address;
(f) upon completion of the registration within the Platform you express your full consent to receive marketing content from the Company via emails, text messages, calls, mobile applications or other channels of communication. The Company will use your detail contacts indicated upon registration as a user. The Platform reserves its right to reject registration applications as a lender or as a borrower at its own discretion. The privacy policy disclosed on the Website must be accepted to complete the registration within the Platform. The privacy policy stipulates Platform’s policies on privacy rights regarding collection, use, storage, processing, disclosure and security of users’information when you use the Website. This Privacy Policy applies to all personal and sensitive information processed through the Website.

5. Use of the Website

Use of the Website requires stable and constant internet access, and may also require periodic hardware or software updates. All fees and charges (including telecommunication fees, data, etc.) payable in relation to usage of the Website shall be borne by the user. By using the Website, you confirm that you are acting on your own behalf and in your interests. If you are using or have plans to use the Website on behalf or in the interests of any third parties (beneficiaries) you shall immediately stop using the Website. The Website may only be used for a limited purpose indicated hereof. The Website may not be used for the following purposes:
(a) illegal or unlawful purposes;
(b) collecting and/or stealing data from the Website, including, inter alia, personal data of other users of the Website;
(c) affecting performance of the Website in any manner;
(d) disruption of the Website’s operations, including, but not limited to using special codes or software to manipulate or change functions available on the Website;
(e) any other acts that may do harm to the Website’s infrastructure and its facilities. The Website’s operating hours are subject to change following mandatory maintenance works on which all users will be duly informed beforehand. All instructions received from a registered user’s account are deemed to be accurate and correct. However, the Platform reserves its right under its sole and absolute discretion to suspend operations on your account if such instructions were not entirely clear, lack necessary information, unidentifiable identity, or such other grounds deemed as unlawful by nature or if the account is projected to be compromised.

6. Mobile Device Access

Upon installation of the Cash-express Application (the “App”) to the borrower’s mobile device, the borrower hereby voluntarily agrees and consents that the App’s administrator shall have unlimited access to the borrower’s mobile device for the following purposes:
(a) Facilitation of the borrower’s use of the App’s services and/or access to the registration of the borrower’s App account;
(b) Provide App services;
(c) Process transactions and send notices regarding such transactions;
(d) Offers surveys, promotions and marketing communications;
(e) Improve App content and layout;
(f) Provide customer support;
(g) Improve App services and other related legitimate purposes.

Further, the borrower hereby agrees and consents that the App administrator, to ensure due settlement of the loan, may perform the following functions if the borrower defaults in the payment of the loan:
(a) Send push notification/s to the mobile device regarding loan payment details;
(b) Activation of the mobile device’s screen lock feature/s;
(c) Restore factory settings to the mobile device;
(d) Set password rules and personal identification numbers;
(e) Disable use of the mobile device’s camera;
(f) Such other functions relative to the mobile device access.

7. Intellectual property rights

The Company owns or is duly licensed to use, as far as applicable, all intellectual copyrights on the Website, content and all publications thereon. Any use of the Website or registration thereto may not be deemed as any legal grounds for transferring any kind of intellectual property rights, or it’s licensing. Notwithstanding the purposes, all trademarks, names and visual and textual content may be used only upon prior written authorization from the Company. The Company reserves its right to take any necessary legal actions and remedies related to any violation of section hereof.

8. Content

If you use our features that allow you to upload any content into the Website, you’re carefully responsible for its content, and you hereby represent and warrant that you have collected all necessary consents, permissions and authority from the disclosed of such information (including, but not limited to, personal data and details of any third parties as indicated thereon). The Company reserves its right and sole and absolute discretion to remove any information, documents or any other content uploaded through the Platform if such information, documents or any other content violates these Terms & Conditions or any other applicable laws, or which may infringe or compromise rights and obligations of any third parties. Such information, documents or any other content shall not:
(a) contain a defamatory, discriminative or insulting content;
(b) contain hate speeches, pornography or extortion/threatens content, gambling, violence, or misuse of narcotics, psychotropic substances or other addictive substances, or encourages the public to commit violence or other unlawful acts;
(c) violate any intellectual property rights of any party;
(d) has a tendency to cheat others or use as a mask to be someone else or to describe your identity or your affiliate with anyone through illegal;
(e) give the impression that the content originated from the Company (related to content is not from the Company); or
(f) violate legal obligations of any third parties, such as contractual obligations or confidentiality obligations. By uploading any documents or content to the Website, you give the rights to use, copy, save, publish, reshape, and distribute the uploaded content to third parties of performing our rights and obligations to serve you as digital information technology-based platform. You have the right to withdraw the uploaded documents or content at anytime. However, any rights that you have granted to us as referred to above shall remain in force following such withdrawal unless specifically requested otherwise.

9. Limitation of responsibility

The Company provides, manages and operates the Platform between registered users. Lending relationships between the lenders and the borrowers are stipulated in the respective loan agreements executed by the respective parties. The Company facilitates the needs and complaints of each registered users. The Company may not provide any guarantee or security over any proceeds which maybe obtained using the Platform. The Company shall bear no responsibility for any decisions taken by any registered users when using the Platform. In case of breach of any above-mentioned representations or warranties, the Company shall be indemnified in any case. The Website may contain typographical errors, other errors or omissions, and you hereby agree to waive us of any legal liability regarding such as errors or omissions.

10. Compensation

By using the Website or the Platform, you hereby consent to the extent permitted by law to indemnify and wave us, our directors, managers, officers, affiliates, agents, contractors, licensors, assigns of any claims arising out of your violating of these Terms & Conditions or your use of the services provided within the Platform or by our action apart from our investigation on alleged violation of these Terms & Conditions by you or as a result of the findings or decisions of investigation result.

11. Termination

You hereby acknowledge and agree that the Company reserves its right and sole and absolute discretion to delete your account maintained within the Platform, restrict your access thereto and to terminate all relations with you upon occurrence of any reasonable belief of your violation of the Terms & Conditions. You can terminate the Terms & Conditions by giving us a prior written notice 7 (seven)business days before such termination provided that you have no outstanding loans (if you are a borrower) to the Company. After termination of the Terms & Conditions, the Company shall not be obliged to provide any access to information regarding previous activities within the Platform.

12. Communication and electronic documents

By registering as a lender or as a borrower, you agree that all communication between you and the Company in connection with the services provided through the Platform will be made with your contact detail as indicated upon your registration as a user. The Company reserves the right to determine the most appropriate way of communication. The Company may also communicate with you by making certain publications on the Platform. You hereby agree to accept all documents, notices and agreements sent by electronic channels through the Platform and acknowledge that such delivery shall be deemed valid and have the same legal force and effect as physical delivery. All agreements, documents, notices and agreements sent by electronic channels through the Platform are executed electronically or with digital signatures and have the same legal force and effect. Any approvals that you have provided electronically is legally binding on you as a service user.\

13. Use of cookies and others similar technology

The Website uses HTTP cookies technology. Cookies are a small information file written and stored on your electronic device by the website that you visited, so the Website can identify you for next visits. Cookies are used for several things, such as to store your preferences, for example, to choose the location, so you don’t need to fill the same information each time you visit a website, to know your visit patterns, to improve the performance of the website, and to evaluate our marketing efforts effectiveness. You can arrange to block or not enable cookies or other similar technology by making appropriate arrangements in your electronic devices or browsers.

14. Third-party website link

The Website can, occasionally, contain links to third party’s websites that are beyond the control of the Company. The Company shall not be responsible for any information and content of such other websites and may not guarantee protection and confidentiality of your information that you provide on such other websites.

15. Miscellaneous

You cannot transfer your rights and obligations under the Terms & Conditions to any other third party without the Company’s prior written consent. The Company may transfer its rights and obligations under the Terms & Conditions to any third parties even without your consent.
If any provision of the Terms & Conditions becomes invalid, it shall not affect the validity of other provisions of the Terms & Conditions. Assignment of an obligation under the Terms & Conditions may only be done expressly and in writing and signed by the party concerned. These Terms & Conditions do not contain any provisions that may be deemed or constitute a partnership or joint venture between you and the Company. The Terms & Conditions apply regardless of how you access the Platform (including access through the Website or mobile application).

If you have any questions related to the Terms & Conditions, please contact:
Customer Services – info@cash-express.ph
Compliance and Data Protection Department – compliance@cash-express.ph
Cash-Express Philippines Financing Inc.
Level 10-1 One Global Place 25th Street Cor. 5th Avenue, Fort Bonifacio, Taguig City
Telephone: +632 7902-7390

16. Applicable law and dispute resolution

The Terms & Conditions and the matters governed therein shall be subject to the laws of the Republic of the Philippines.

All disputes arising out of or related to the Terms & Conditions, the matters governed therein shall be resolved exclusively by arbitration under the arbitration laws, rules and jurisdiction of the Republic of the Philippines.

Privacy Policy

Effective date:21 Fabruary 2023

Cash-express respects your privacy and is committed to protecting your personally identifiable information (PII) that may be collected through your use of our website or mobile application. This privacy policy describes how we collect and use your personally identifiable information and how you can control that use
Please read this Policy carefully. By using our Site or Services, you agree to our collection, use, and sharing of your personally identifiable information as described in this.
Information Collection and Use
Personal data
While using our website or Services, we might ask you to provide us with certain personal data that can be used to contact or identify you. Personal data may consist, but is not limited to
  • contact information:
  • • full name
  • • contact number
  • • email address
  • • postal address
  • • and other similar information
  • Financial Information:
  • • full bank account details
  • sensitive personal information :
  • • contact information
  • • marital status
  • • government-issued ID details
  • • postal address
  • • Address, State, Province, ZIP/Postal code, City
Personally identifiable information (PII) input by Third Party
Please note that if you use our Website or Services in place of other people, such as your family, friends or employees, you must ensure that you are authorized to provide us with their Personal Information. Use of the Website in this manner automatically presumes that you have obtained proper authorization from the owners of the Personal Information and have informed said persons of this Privacy Policy. You hereby represent and warrant that all your family, friends or employees whose personal information you have provided to us have agreed to the use, processing, storage, and/or disclosure of their data in accordance with this policy and all applicable laws.
Tracking and Cookies
Depending on your When you access our Website, we may use cookies or similar technologies on your computer or other devices to record information. Cookies are files with a piece of data, which may include an anonymous unique identifier and can be stored on your hard drive to help us improve your access to the Website and identify repeat visitors. You are free to decline our Cookies on your computer or other devices unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, the use of the Website may be limited if you do not accept our Cookies.
Use of Data
  • We use the collected data for various purposes:
  • • To provide and maintain the Service
  • • Verify your identity and contact details
  • • To notify you about your transactions & changes to our Service
  • • contact you and update you on the performance of our Services
  • • Communicate with you and process your requests
  • • Offer surveys, promotions, and marketing communications
  • • Contact supplied personal references to verify the accuracy of the information and coordinate as to the identity and personal circumstances of the client
  • • To Provide funds transfer services and related services
  • • To provide customer care and support
  • • To monitor the usage of the Service
  • • To detect, prevent and address technical issues
  • • Provide electronic funds transfer services and related services
  • • Collection of delinquent accounts
Electronic communications
  • From time to time you will receive disclosures, notices, documents and information based on your current loan status (“Communications”) from Cash-express e.g.:
  • • confirmations of Loans obtained by you
  • • confirmation of email address or password changes
  • • inquiries regarding the activity or status of
By creating an account with Cash-express on the Website, you agree that all Communications from Cash-expressrelating to your use of the Website and participation in the Program may be provided or made available to you electronically by mobile SMS, by e-mail or at the Website
Mobile Accessibility
We may offer you the ability to connect with our Services using a mobile device, either through a mobile application or via a mobile optimized website. This Privacy Policy applies to all the devices.
Disclosure of Data
Cash-express will not rent or sell your personal information to third parties for their business purposes, such as, including without limitation, marketing and advertising without your express consent and authorization unless it’s a Legal Requirement
Legal Requirements
  • We may disclose your Personal Information in the good faith belief that such action is necessary to:
  • • To comply with a legal obligation
  • • To protect and defend the rights or property of Cash-express
  • • To avoid or examine possible wrongdoing in connection with the Service
  • • To avoid or examine possible wrongdoing in connection with the Service
  • • To protect against legal liability
Security of Data
The security of your data is our priority & important for us, however, no method of transmission over the Internet, or method of electronic storage is 100% secure. Though we strive to practice commercially satisfactory means to protect your Personal Data, we cannot assurance its absolute security.
Service Providers
We may get the service of third party companies and individuals to facilitate our Service to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.
These service providers have access to your Personal Data only to accomplish these tasks on our behalf and are obliged not to disclose or use it for any other purpose.
Links to Other Sites
Our Service might contain links to other websites that are not operated by us. If you click on a third-party web link, you will be directed to that third party’s website. We have no control over and assume no responsibility for the content privacy policies and practices of other websites and other parties are governed by their respective terms of use and privacy policies.
Children’s Privacy
Our website or Service does not aim anyone under the age of 18 years old. We do not knowingly collect, use, provide, or process in other forms any personally identifiable information from anyone under the age of 18.
Changes to this Privacy Policy
We may update or modify this Privacy Policy from time to time If any changes are made. We will reflect on the date on which any such changes are made and posted by updating the “effective date” date at the top of the page. If we make any material changes, will notify you by email or a notice on this Website prior to the change becoming effective. Please be sure to check this page periodically for changes.
Contact Us
  • If you have any queries about this Privacy Policy, please contact us:
  • By email: info@cash-express.ph
  • Address: Level 10-1 One Global Place 25th Street Cor. 5th Avenue, Fort Bonifacio, Taguig City