Cashalo - Cash Loan and Credit

Oriente Express

About this app

Cashalo is your financial partner, whether for urgent needs or to shop for the Iatest gadgets. It is designed for Filipinos, by Filipinos. The app’s name itself is a combination of two words: Cash and Kasalo, which means ""to have a partner for your finances"".

⭐ 0% Interest Shopping
No interest and no processing fees at select Cashalo partner stores nationwide

⭐ Shop Online
Shop from major online stores and pay in up to 6 monthly installments

⭐ Cash-Out with Bank Account, GCash, or PayMaya
Multiple disbursement options for yoour convenience

⭐ Free Coupons
Collect Free Coupons on the app that you can use to shop in installments


"⭐ Fast Approval & Disbursement
Get your loans and credit approved in as fast as 8 minutes and funding to your bank account in as fast as 30 minutes!

⭐ Low Interest Rates
Loan and credit should be as affordable and transparent as it is fast, easy, and secure to access.

⭐ Easy Application Process
Verify your identity and submit all the requirements in the app with at least one (1) valid ID to complete your Credit Profile."

"We have the right product for your needs
Cash Loan – Get cash of up to Php 10,000!
Buy Now Pay Later – Shop for multiple gadgets, appliances, and more; pay later in installments! *
Lazada Loan - Top up your Lazada Wallet and shop safely from home"

Let’s say you want to buy a new appliance. You can shop now and pay later in 3, 5, 6, or 8 monthly installments from any participating stores.*

For example:

Total price of appliance: Php7,000
Down payment: 20% (Php1,400)
Principal loan amount: Php5,600
Processing fee: 10% (Php560)
Loan term: 6 months
Monthly interest rate: 5.99% (Php 335)
Sample monthly payment: Php 1,222.33
Total payment: P7,334

*Buy Now and Pay Later minimum repayment period is 90 days and maximum is 180 days from Cashalo partner stores.
**Buy Now and Pay Later maximum effective APR% is at 49.68%.

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Privacy and Permissions
Your privacy is very important to us. We will scan your government-issued ID and other information to verify your identity and Credit Profile. Your personal information will never be shared without your direct and explicit permission.

To verify your identity, we require the following app permissions:
Storage (File Access) - We use your device storage as temporary data storage during entry of your user profile and to allow you to upload images in the app
Location - We use your location and device information to help us prevent fraud, validate information you provided, and calculate/assess your credit
External Data about Other Apps - We use information about installed applications to help us prevent fraud and calculate/assess your credit



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Contact Us
Nandito kami para sa'yo, Kasalo! For questions, feedbacks, or concerns, please contact us at:
Website: www.cashalo.com
Facebook: @CashaloPH
Instagram: @CashaloPH
Address: 16F World Plaza, BGC, Taguig City, Philippines 1634
Email: [e-mail]
Contact Number: [phone]

Please visit https://www.cashalo.com/faq/ for the latest updates to the Cashalo FAQs

All loans under the Cashalo Platform are financed by Paloo Financing Inc., with SEC Registration No. CS201800209 and Certificate of Authority No. 1162

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About Us
Cashalo is a Filipino technology and financial services company, committed to building a more financially inclusive future for or all Filipinos. Through the Cashalo app, our technology enables fast and secure access to credit at the push of a button.

Cashalo, is a wholly owned subsidiary of Hong Kong based Oriente (whose founders are behind internet giants Skype and LU.com).

Ratings and reviews

Approval had been fast but disimbersement would take 3 days and it was impossible to cancel the loan application. The money isn't credited yet, it's unfair to pay for a huge amount of interest without the need of the money any more. Cancellation must be an option before the credit would take over. Your interest is huge! It's just a right to have an option to cancel!

Loan amount is deceiving. I have loaned a lot of times and paid on time, maintaining a good credit, hoping for a higher loan amount. I was recently offered to reloan a higher amount but it was declined without notice. I was expecting to that amount of money for emergency. Unfortunately, they approved the lower amount. So disappointing. I don't recommend this app because they're selling your credentials, breaching data privacy. I got a lot of unknown calls and msgs ever since I applied my loan.

I will not recommend this app. They it is fast and all but it will ask for lots of requirement. You will spend effort on collecting and submitting your requirement for a "One thousand Pesos" and ended up being declined. They won't even notify you if your loan was approved or declined. I keep on looking for any options to delete my account but it does not have any options for that. Their chat support won't help either. Like, they will send you text messages and emails when in the first place your loan was not approved. So annoying. Don't even try this app. A waste of time.

What's new

General fixes and stability improvements.
Updated the user profile UI/UX based on recent regulatory requirements.