Quick cash, salary, micro business and personal loans for Filipino workers and entrepreneurs. Pay semi-monthly by cash, salary deduction, bank transfer or e-wallet, and see every peso of interest before you sign.
| No. | Payment | Interest | Principal | Balance |
|---|
Estimate only, computed at 5% per month (60% per year, as filed in our credit and collection policy) on diminishing balance with 2 payments a month. It is not a loan offer or approval. Your final terms depend on credit evaluation and are stated in your Disclosure Statement before signing. Documentary stamp tax applies where required by law.
Four loan types under our credit and collection policy. Every loan is paid semi-monthly, every 15th and 30th, with fixed amortizations.
Fill in the short form on this page. It takes about five minutes and costs nothing.
A loan officer emails you from @cashplus.ph with the document checklist for your loan type.
We verify your income and identity, then send your Disclosure Statement with the final terms.
Sign the promissory note and receive the proceeds in your bank or e-wallet account. Then pay every 15th and 30th.
Prepare clear scans or photos. Your loan officer may ask for more documents depending on the amount.
IDs must be valid (not expired) and show your photo and signature.
Applying is free and does not commit you to a loan. A loan officer replies within one banking day.
CashPlus Lending Corporation is regulated by the Securities and Exchange Commission. These are our commitments under Philippine law.
Before you sign, we give you a Disclosure Statement showing the amount financed, the interest and every other charge, the effective interest rate, the net proceeds and your payment schedule. Nothing is collected that is not in that statement. You may pay off your loan early with no prepayment fee.
We collect only what we need to evaluate, release and collect your loan, and to meet legal requirements such as anti-money laundering rules. We do not sell your data or access your phone contacts or photos. You may ask to see, correct or delete your information, subject to our legal duty to keep loan records. Write to our Data Protection Officer at admin@cashplus.ph. Read our Privacy Notice.
Our consumer assistance desk handles questions, requests and complaints for free. Email loans@cashplus.ph with your name, reference number and concern, and we will tell you what action we are taking. If you are not satisfied with our response, you may bring your complaint to the Securities and Exchange Commission at sec.gov.ph.
All four loan types (Quick Cash, Salary, Micro Business and Personal with co-maker) carry an interest rate of 5% per month, equal to 60% per year as filed in our credit and collection policy. Interest is charged on the outstanding balance at each semi-monthly payment, so it gets smaller as you pay down the loan. The calculator shows the full payment schedule.
Under the Truth in Lending Act (RA 3765), we give you a written statement before you sign. It lists the amount financed, all finance charges and fees, the net proceeds, the payment schedule and the effective interest rate. Nothing is deducted that is not on that statement.
No. You pay nothing before release. If anyone asks you to pay a "reservation", "insurance" or "processing" fee in advance, it is not CashPlus.
Yes. You can prepay part or all of your balance at any time with no prepayment penalty. You only pay interest up to the date of full payment.
Proceeds are released to a bank or e-wallet account under your own name. You pay semi-monthly, every 15th and 30th, by cash at our office, salary deduction, bank transfer or e-wallet. Transfers go only to the official CashPlus accounts listed in your loan documents. We will never ask you to pay into a personal account.
Yes. We issue an official receipt for every payment, whether you pay in cash, by salary deduction, bank transfer or e-wallet. Keep your receipts and report any payment that is not acknowledged.
Borrowers and co-makers must be 18 to 60 years old at the time of application.
A co-maker signs the Personal Loan with you and agrees to pay if you cannot. Choose someone with a stable income who knows you well, and make sure they understand the commitment before they sign.
Contact us before the due date so we can discuss options. Late payment charges, if any, are stated in your Disclosure Statement. Our collection practices follow SEC rules on fair debt collection: no threats, no public shaming and no contacting people in your phone list.
Email us your questions about loan types, requirements or an existing account. Include your reference number if you already applied.
