CASH-EXPRESS Loan Review: App PH Legit? How To Pay? SEC Registered?

The purpose of this article is to provide a comprehensive Cash-Express loan review. CDNDongKhoi.edu.vn will examine the features, requirements, advantages, and disadvantages of Cash-Express PH, and how it can help you meet your financial needs.

Our main argument is that the Cash-Express loan app is a convenient and reliable option for borrowers who need cash urgently and have a stable source of income. Read on to find out more.

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Summary of Cash-Express Loan Review in Philippines

✅ Cash-Express loans	⭐ Review
✅ Loan amount	⭐ ₱1,000 – ₱20,000
✅ Age	⭐ 21 – 70 years old
✅ Tenor	⭐ 7 – 30 days
✅ Requirements	⭐ Government-issued IDs
✅ Interest rate	⭐ 0% for first loan
✅ Benefits	⭐ Legit, SEC registered loan app
✅ Drawbacks	⭐ Short term
✅ How to apply	⭐ Cash-Express PH login
✅ How to pay	⭐ Using Gcash, 7-Eleven, CLIQQ…
✅ Feedback, Reviews	⭐ See more in this article
✅ Bad credit	⭐ Rejected
✅ Harassment?	⭐ By phone, email
✅ Level of efficiency rating	⭐ Good
✅ App Download (APK)	⭐ Here
✅ Contact number	⭐ +632 7902-7390 ⭐ +63 939 919-5727

What is Cash-Express PH?

Cash-Express PH is an online lending platform that provides short-term loans to Filipinos. The company offers loan amounts of up to 20,000 pesos for a payment term of 7 or 14 days, depending on your needs. Cash-Express PH has a fast and easy application process, and you can get your loan proceeds instantly in your bank account. Whether you need money for emergencies, home improvement, car repairs, or other expenses, the Cash-Express loan app can help you with flexible and convenient loan options.

Is Cash-Express loan legit?

The answer is yes, Cash-Express is a legitimate company that offers online loans in the Philippines. The company has a Registration No. CS201951088 and a Certificate of Authority No. 2918, granted by the Securities and Exchange Commission (SEC) on 20th June 2019. These documents prove that the Cash-Express PH loan app is authorized to offer loans to the public.

Benefits of Cash-Express PH app

Here are some of the benefits of choosing the Cash-Express PH app for your online loan:

• Easy application process: You only need to register on their website, fill out a simple form, and submit one document. You can apply anywhere you are, as long as you have an internet connection.
• Quick approval and disbursement: You can get a loan decision in just 15 minutes, and once approved, the money will be transferred instantly to your bank account.
• Low interest rates and fees: Cash-Express loan app offers a 0% interest rate for the first 7 days of your loan, and only 1% interest per day for the first 14 days. There are no hidden charges or penalties for late payments.
• Flexible repayment options: You can choose to repay your loan in 7 or 14 days, depending on your preference and budget. You can also apply for a repeated loan if you need more money.
• Secure and confidential: Cash-Express loan app uses advanced digital tools to protect your data and ensure your privacy. They have the NPC (National Privacy Commission) seal of accreditation and use the highest level of security to process and store your data.

Drawbacks of Cash-Express loan app

Here are some of the drawbacks that you should consider, based on Cash-Express loan review and other sources:

• Short repayment period: Only for 7 or 14 days, which may not be enough time for some borrowers to repay their loans.
• Limited loan amount: Maximum of 20,000 pesos. You might have to look for other sources of funding or apply for multiple loans.
• The interest rate for repeated borrowers (1.99% per day) is a little higher than the interest rates offered by traditional banks.

Cash-Express loan requirements

To be eligible for a loan from the Cash-Express PH app, you need to meet the following criteria:

• Be a Filipino citizen living in the Philippines
• Be at least 21 years old and not more than 70 years old
• Have a stable source of income, either from employment or self-employment
• Have a valid mobile number
• Have a bank account or an e-wallet such as GCash or PayMaya

Cash-Express PH 1st loan

If you are a first-time borrower, you need to provide one of the following valid government-issued IDs:

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

You also need to take a selfie with your ID and upload it on the Cash-Express app or website. If approved, you will receive your loan proceeds in your bank account or e-wallet within minutes.

Cash-Express 2nd loan

If you are a repeat borrower, you can apply for a second loan after repaying your first loan on time. You don’t need to submit any additional documents or take another selfie.

You just need to log in to your CashXpress loan account and choose the loan amount and term that suits your needs. The company will automatically check your eligibility and credit history and give you an instant decision.

Cash-Express loan interest rates

The interest rate for the first 7-day loan is 0%, and for the first 14-day loan is only 1% per day. For repeat loans, the interest rate is 1.99% per day. However, according to other sources, the interest rate of Cash-Express installment loans may vary from 1% to 2.3% per month, depending on the approved loan amount and tenor, which is lower than many other online lenders.

Example of CashXpress PH loan calculator

Suppose you want to borrow 12,000 pesos for 14 days. The interest rate for Cash-Express loans in the Philippines is 1% per day, which means you will pay 120 pesos of interest every day.

To calculate the total interest for 14 days, you simply multiply 120 by 14, which gives you 1,680 pesos.

To calculate the total payment, you simply add the principal and the interest together. In this case, that would be 12,000 + 1,680 = 13,680 pesos.

Besides, you can also use the online calculator on the website to check your loan details and repayment schedule.

How to get a loan from Cash-Express loan application

To apply for a Cash-Express loan, you just need to follow these simple steps:

Step #1: Go to homepage

Visit

CASH-EXPRESS Website

and choose the loan amount that suits your needs. You can use the slider to adjust the loan amount. Once you are satisfied, click on the «Apply for a loan» button to proceed to the next screen.

Step #2: Provide phone number

Enter your phone number and verify it by entering the SMS code that will be sent to your mobile device. This is to ensure that you are a real person and not a robot or a fraudster.

Step #3: Provide personal information

Fill in your personal information, such as your name, ID number, gender, date of birth, email address, occupation, salary, bank account, or e-wallet.

Make sure that all the information is accurate and complete, as this will affect your chances of getting approved.

Step #4: Confirmation and wait for approval

Confirm the loan term that you agree to pay, either 7 or 14 days. If everything is correct, click on the «Confirm» button and wait for the approval. The loan decision will be made in 5 to 15 minutes.

You can check the status of your application on the website or through SMS. Once approved, you will receive the loan amount in your bank account instantly.

You can also watch this video below to see how easy it is to apply for a Cash-Express online loan:

Cash-Express loan Reviews, Ratings and Feedback

I applied for a Cash-Express loan last month because I needed some money to travel to my hometown for a family reunion.

I chose the Cash-Express loan app because they have a fast and easy application process, and they only require one ID card. I was able to borrow 10,000 pesos for 14 days with only 1% interest per day.

The loan decision was quick, and I received the money in my bank account within 15 minutes. The customer service was also friendly and helpful, and they answered all my questions and concerns.

I was able to repay the loan on time through online banking, and I did not encounter any problems or hidden charges during the repayment process. I was very satisfied with my experience with this loan app.

If you are looking for Cash-Express loan reviews, you can see pictures of feedback from other customers below.

How to pay Cash-Express loan

Cash-Express PH app offers you four convenient ways to pay your loan in the Philippines. Here is a brief guide on each of them:

• Online payment: You can use your e-wallets such as Gcash, Maya, CLIQQ mobile, or Grabpay to pay your loan online. Just log in to your Cash-Express loan account, choose the repayment option, and follow the instructions.
• Payment centers: You can also pay your loan at any of the authorized payment centers across the country. These include 7Eleven, Cebuana Lhuillier, Bayad Center, LBC…
• Banks: If you have a bank account, you can also pay your loan through bank deposit or transfer. CashXpress PH accepts payments from BDO, BPI, Metrobank, and other major banks. Just make sure you indicate your reference number when you make the transaction.
• Internet banking: You can access your bank’s website or mobile app and choose the bill payment option. Select Cash-Express PH as the biller and enter your reference number and loan amount. You will receive a confirmation code once your payment is processed.

Compare Cash-Express PH loan app to other apps in Philippines

Criteria	Cash-Express loan app	Crezu loan	Digido
Loan amount	₱1,000 – ₱20,000	₱1,000 – ₱25,000	₱1,000 – ₱25,000
Term	7 – 30 days	61 – 120 days	7 – 180 days
Age	21 – 70 years old	18 – 70 years old	21 – 70 years old
Interest rate	1% – 1.99%/day	12% – 36%/year	up to 1.5%/day
Approval time	15 minutes	15 minutes	15 minutes
General rating	8/10	8.5/10	9/10

Sources: State Bank research.

Cash-Express contact number

If you have any complaints, you can contact Cash-Express customer service in various ways:

• Company: Cash-Express Philippines Financing Inc. (formerly CashXpress South-East Asia Lending Inc.)
• Phone number: +632 7902-7390 (Landline); +63 939 919-5727 (Smart) +63 917 115-8452 (Globe)
• Main office: Level 10-1 One Global Place 25th Street Cor. 5th Avenue, Fort Bonifacio, Taguig City.
• Website: cash-express.ph
• Email address: customersupport@cash-express.ph
• Facebook: facebook.com/cashexpressphilippines/

Read more:

• Soscredit
• Finbro
• Cashspace
• Kviku Loan
• MoneyCat
• Skyro Loan
• OKPeso

FAQs – Cash-Express loan review in Philippines

To address other frequent inquiries about Cash-Express loan app reviews, readers can find the answers below.

Is Cash-Express SEC registered?

The answer is yes. Cash-Express is a duly registered financing company under the Securities and Exchange Commission (SEC) with Registration No. CS201951088 and Certificate of Authority No. 2918. You can verify their registration and license on the SEC website.

How to pay CashXpress using GCash?

1. Log in to your Cash-Express PH loan account and generate a payment reference number.
2. Open your GCash app and select Pay Bills.
3. Choose Loans as the biller category and select CashXpress as the biller name.
4. Enter the amount you want to pay, your account number, and the reference number.
5. Confirm your payment details and complete the transaction.

How does Cash-Express work?

Cash-Express online app offers quick and easy loans to people who need cash urgently. The loans are unsecured, which means that the borrower does not have to pledge any asset as collateral. The borrower only needs to fill out an online application form and provide some personal and financial information. Cash-Express PH will then review the application and decide whether to approve it or not. If approved, the borrower will receive the loan amount in their bank account within 24 hours.

Does Cash-Express check credit?

The answer is no, Cash-Express PH does not perform any credit checks or require any collateral when you apply for a loan with them. All you need is a valid ID, a bank account, and a stable source of income.

How much can you borrow from Cash-Express?

Cash-Express PH app offers loans from 1,000 to 20,000 pesos that can be processed in just one business day.

In conclusion – Should you borrow from CashXpress PH Loan App?

This article has given you a comprehensive review of the Cash-Express loan app in the Philippines, an online lending platform that offers quick and easy loans.

You have learned about the features, benefits, eligibility, interest rate, and application and repayment process of a Cash-Express loan. Now you can make an informed decision about whether you should apply to the Cash-Express PH loan app or not.

If you have any doubts or suggestions, feel free to comment below. And if you liked this article, please give it 5 stars and share it with your network. We appreciate your support!