In this article, MrCashLoan will delve into the world of Cash-Express loans in the Philippines. This article aims to provide a detailed examination of Cash-Express PH, exploring its features, requirements, advantages, and drawbacks. Our primary argument revolves around the assertion that Cash-Express is a reliable and convenient option for individuals in need of urgent cash with a stable income source. Read on to gain a deeper understanding of this financial tool.

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Mazilla Loan

Loan type

Short term

For a period of

728 days

Rate ()

365.00% / year

Loan amount

25000 ₱

Approval in

5 minutes

First loan free

no

APPLY NOW

MoneyCat Loan

Loan type

Short term

For a period of

180 days

Rate ()

0.00% / month

Loan amount

20000 ₱

Approval in

5 minutes

First loan free

no

APPLY NOW

Zaimoo Loan

Loan type

Short term

For a period of

180 days

Rate ()

0.00% / month

Loan amount

25000 ₱

Approval in

5 minutes

First loan free

no

APPLY NOW

Binixo Loan

Loan type

Short term

For a period of

180 days

Rate ()

0.00% / day

Loan amount

25000 ₱

Approval in

15 minutes

First loan free

no

APPLY NOW

Digido Loan

Loan type

Short term

For a period of

180 days

Rate ()

0.00% / day

Loan amount

25000 ₱

Approval in

15 minutes

First loan free

no

APPLY NOW

Summary of Cash-Express Loan Review in the Philippines

• Review: Cash-Express loans
• Loan amount: ₱1,000 – ₱20,000
• Age: 21 – 70 years old
• Tenor: 7 – 30 days
• Requirements: Government-issued IDs
• Interest rate: 0% for the 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: Read 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 stands as an online lending platform designed to provide short-term loans to the Filipino population. The company extends loan amounts of up to 20,000 pesos with flexible repayment terms, allowing borrowers to choose between 7 or 14 days. Cash-Express PH prides itself on a streamlined and rapid application process, ensuring that loan proceeds are swiftly deposited into your bank account. Whether you require funds for emergencies, home improvements, car repairs, or other financial needs, the Cash-Express loan app offers flexible and convenient loan solutions.

Is Cash-Express Loan Legitimate?

Yes, Cash-Express is a legitimate company offering online loans in the Philippines. The company is registered with a Registration No. CS201951088 and holds a Certificate of Authority No. 2918, granted by the Securities and Exchange Commission (SEC) on June 20, 2019. These credentials validate the authorization of the Cash-Express PH loan app to provide loans to the public.

Benefits of Cash-Express PH App

Choosing the Cash-Express PH app for your online loan comes with several benefits:

• Easy Application Process: Registration on their website, completion of a simple form, and submission of one document are the only requirements. Applications can be made from anywhere with an internet connection.
• Quick Approval and Disbursement: Loan decisions are made in just 15 minutes, and once approved, funds are instantly transferred to your bank account.
• Low Interest Rates and Fees: The Cash-Express loan app offers a 0% interest rate for the first 7 days of your loan and a minimal 1% interest per day for the first 14 days. There are no hidden charges or penalties for late payments.
• Flexible Repayment Options: Choose between repaying your loan in 7 or 14 days to match your preferences and budget. Additionally, you can apply for a repeated loan if you require more funds.
• Secure and Confidential: Cash-Express loan app employs advanced digital tools to safeguard your data and ensure your privacy. They hold the NPC (National Privacy Commission) seal of accreditation and maintain the highest level of security for processing and storing your data.

Drawbacks of Cash-Express Loan App

While Cash-Express offers numerous advantages, there are also some drawbacks to consider, based on Cash-Express loan reviews and other sources:

• Short Repayment Period: Loans are limited to 7 or 14 days, which may not provide sufficient time for some borrowers to repay their loans.
• Limited Loan Amount: A maximum of 20,000 pesos may necessitate seeking alternative sources of funding or applying for multiple loans.
• Higher Interest Rate for Repeated Borrowers: The interest rate for repeat loans, at 1.99% per day, is slightly higher than those offered by traditional banks.

Cash-Express Loan Requirements

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

• Be a Filipino citizen residing in the Philippines.
• Be aged between 21 and 70 years.
• Possess a stable source of income, whether from employment or self-employment.
• Have a valid mobile number.
• Hold a bank account or an e-wallet such as GCash or PayMaya.

Cash-Express PH 1st Loan

First-time borrowers need to provide one of the following valid government-issued IDs:

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

A selfie with your ID must also be taken and uploaded to the Cash-Express app or website. Upon approval, loan proceeds will be transferred to your bank account or e-wallet within minutes.

Cash-Express 2nd Loan

Repeat borrowers can apply for a second loan after repaying their first loan on time. No additional documents or selfies are required. Simply log in to your Cash-Express loan account, select the loan amount and term that suits your needs, and receive 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, it is a mere 1% per day. For repeat loans, the interest rate is 1.99% per day. However, it’s worth noting that the interest rate for Cash-Express installment loans may vary from 1% to 2.3% per month, depending on the approved loan amount and tenor. This range is favorable compared to many other online lenders.

Example of Cash-Express PH Loan Calculator

Let’s consider an example: If you wish to borrow 12,000 pesos for 14 days, the interest rate for Cash-Express loans is 1% per day. This implies that you will pay 120 pesos in interest every day. To calculate the total interest for 14 days, multiply 120 by 14, resulting in 1,680 pesos. The total payment, which combines the principal and interest, would be 12,000 + 1,680 = 13,680 pesos. For further assistance, an online calculator on the website is available to check loan details and the repayment schedule.

How to Get a Loan from Cash-Express Loan Application

Applying for a Cash-Express loan is a straightforward process. Here are the steps to follow:

• Step 1: Go to the Homepage Visit the CASH-EXPRESS Website and select the loan amount that suits your needs. Use the slider to adjust the loan amount, then click “Apply for a loan” to proceed.
• Step 2: Provide Your Phone Number Enter your phone number and verify it by inputting the SMS code sent to your mobile device, ensuring you are a real person.
• Step 3: Provide Personal Information Complete your personal information, including your name, ID number, gender, date of birth, email address, occupation, salary, and bank account or e-wallet details. Accuracy is crucial, as it impacts your approval chances.
• Step 4: Confirmation and Approval Confirm the loan term you agree to, either 7 or 14 days. If all information is correct, click “Confirm” and wait for approval. Loan decisions are typically made within 5 to 15 minutes, and you can track your application status on the website. Once approved, you’ll receive the loan amount instantly in your bank account.

Cash-Express Loan Reviews, Ratings, and Feedback

Here is a firsthand account of an individual who used Cash-Express for their financial needs:

“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.”

For more Cash-Express loan reviews, you can peruse additional feedback from customers.

How to Pay Cash-Express Loan

Cash-Express PH app offers four convenient methods for loan repayment in the Philippines:

• Online Payment: Utilize e-wallets such as Gcash, Maya, CLIQQ mobile, or Grabpay to make online payments. Log in to your Cash-Express loan account, select the repayment option, and follow the instructions.
• Payment Centers: Repay your loan at authorized payment centers across the country, including 7-Eleven, Cebuana Lhuillier, Bayad Center, and LBC.
• Banks: If you have a bank account, make loan payments through bank deposit or transfer. Cash-Express PH accepts payments from BDO, BPI, Metrobank, and other major banks. Ensure you indicate your reference number when making the transaction.
• Internet Banking: Access your bank’s website or mobile app, choose the bill payment option, select Cash-Express PH as the biller, enter your reference number and loan amount, and receive a confirmation code once the payment is processed.

Compare Cash-Express PH Loan App to Others in the Philippines

Let’s compare Cash-Express to similar loan apps in the Philippines to gauge its standing:

Cash-Express Contact Information

Should you have any concerns or inquiries, here are ways to contact Cash-Express customer service:

• 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: [email protected]
• Facebook: facebook.com/cashexpressphilippines/

Frequently Asked Questions (FAQs) – Cash-Express Loan Review in the Philippines

To address common queries about Cash-Express loan app reviews, here are answers to frequent questions:

Is Cash-Express SEC Registered?

Yes, Cash-Express is a 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 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 is an online app that offers quick and easy loans to individuals in urgent need of funds. These loans are unsecured, meaning borrowers do not need to provide collateral. Applicants complete an online form, providing personal and financial information. Cash-Express PH reviews the application and makes a decision. If approved, funds are deposited into the borrower’s bank account within 24 hours.

Does Cash-Express Check Credit?

No, Cash-Express PH does not perform credit checks or require collateral when applying for a loan. The main requirements are a valid ID, a bank account, and a stable income source.

How Much Can You Borrow from Cash-Express?

Cash-Express PH app offers loans ranging from 1,000 to 20,000 pesos, typically processed within one business day.

Conclusion – Should You Borrow from Cash-Express PH Loan App?

This article has presented a comprehensive review of the Cash-Express loan app in the Philippines, an online lending platform offering fast and easy loans. You now have insight into its features, benefits, eligibility, interest rates, and the application and repayment process. Armed with this information, you can make an informed decision regarding whether to utilize the Cash-Express PH loan app for your financial needs.

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