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Cash-express: credit conditions and company reviews

Cash-express offers many personal loan offers with competitive interest rates

10,000 PHP
7 days
First loan
0.00 PHP
10,000 PHP
Repeat loan
1,393.00 PHP
11,393 PHP
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Many Filipinos turn to online loans when they cannot access traditional banking services. It is much faster and easier than other loan options for those who need fast financing.

If you are facing a financial emergency but do not have sufficient savings or access to traditional loans, an online cash-express lender can help you deal with the problem. This service offers online loans in the Philippines, which can be an ideal solution. Online lending is gaining popularity in the Philippines because loan providers offer an easy way to apply and get funds quickly.

Whether you need to borrow money for a medical emergency, home repairs, car repairs, or unexpected expenses, consider unsecured cash loans in a fast and convenient way. Just make sure you understand the risks before you take the plunge.

Borower Age 21 — 70 years
1st loan amount 1,000 — 10,000 PHP
1st loan interest rate 0%
Loan term 1 — 14 days
Repeat loan amount 1,000 — 20,000 PHP
Repeat loan interest rate 1.99%
Money receipt speed 15 minutes
Types of loans Fast cash loan, Loan online, Personal loan

Conditions for obtaining a loan online in Cash-express

Loan document requirements

Get cash with one valid ID and an active personal bank account or e-wallet. Simply provide a photo of the ID of your choice and take a selfie with the same ID. Cash-Express accepts any of the following personal identifiers:

  • Passport
  • National identity card (National ID)
  • Driving license (Driver’s license)
  • SSS
  • UMID
  • Postal ID
  • PRCID.

That’s all it takes to get approved for a loan.

It is important to note that when applying for an online cash loan from a legitimate lender such as Cash-express, you will only need to provide supporting documents such as ID, address, and income. You should not be asked to make an advance payment of any kind. Applying for a loan with an online loan company is safe as long as you only deal with legitimate, licensed companies.

Low interest rate

Cash-Express offers some of the lowest online loan interest rates in the Philippines.

The interest rate is determined by the following two factors:

New client or regular client

Are you a new client or a regular client? If you are a new Cash-Express customer, the interest rate will be higher than if you are already a regular customer. For new customers, a maximum amount of 10,000 pesos is available with an annual interest rate of 0% (per annum) for the first 7 days.

Payment frequency (7 or 14 days)

Choose to repay your loan within 7 or 14 days with convenient payment plans. The interest rate varies depending on the payment duration you choose. Typically, a longer period will be accompanied by a slightly higher interest rate. But, as a rule, this means lower payments, more convenient for your budget.

Conditions for obtaining the first loan

Get an easy loan from Cash-Express with clear conditions. For a 7-day loan, enjoy 0% per day on principal for the first 7 days. For the second period of the loan, the interest rate is only 1.99% per day.

Similarly, for a 14-day loan, you only get 1% per day of the principal for the first 14 days with a low interest rate of 1.99% per day for the second loan period. Cash-express makes it easy for you to quickly access the funds you need without worrying about fees.

Conditions for obtaining a second loan

For regular customers, take advantage of the same low interest rates as the first loan – the same 1.99% per day with no renewal fees.

Late payment entails a penalty

In case of delay in repayment of the loan, penalties begin to accumulate immediately – from the 1st day of delay until the full repayment of the loan, its sale or suspension of accruals.

You will be charged a penalty of 1% per day of the loan amount, as well as an additional penalty on days 5, 10, 15, 20, 25 and 30 for a total of Php 125. If you don’t make timely payments, fines can quickly mount.

To avoid unnecessary financial burdens and keep your credit score in good condition, your payment requests must always be completed on time. If you are unable to repay your loan on time due to unforeseen circumstances, contact customer support for assistance. We are always happy to help here.

Advantages of the Cash-express service

Cash-Express offers a convenient loan solution that can be used for any short term financial need. Here are some of the benefits:

  • Convenience

With Cash-Express, you don’t have to leave your house or stand in line at the bank. You can complete the entire online application process from the comfort of your own home.

  • Flexible payment periods

Enjoy the freedom to choose when and how you repay your loan with flexible payment periods. Whether you prefer 7 or 14 days to repay, loan repayment plans make the process simple and hassle-free.

  • High security

Do not worry about the security of your personal data – modern encryption technology guarantees complete protection of your information. Cash-Express is proud to be accredited by the National Privacy Commission to ensure your privacy. In addition, advanced digital tools make the lending process simple and efficient.

  • Low interest rates

Cash-Express offers 0% interest rate, one of the best online loans in the Philippines.

  • Fast approval

Get fast cash in 15 minutes with Cash-express. Say goodbye to the hassle of waiting days for a decision. Cash-Express will help you get the funds you need quickly and effortlessly.

How to get a loan in Cash-express?

Contact Cash-Express for a quick loan. Get approved in minutes by completing a simple application and verification process. Your loan amount will be sent directly to your bank account for easy access.

Cash-Express offers flexible limits and payment periods to suit your needs. Borrow any amount from PHP 1,000 to PHP 20,000, with the option to pay in 7 or 14 days.

Online loan application step by step in Cash-express

Cash-express has optimized all stages of the loan issuance process. Just follow these three steps:

  1. Register: Create a profile on the site and fill out the application form using the loan calculator (select the type of loan, amount and term), sign the loan agreement.
  2. Loan approval: Call from Cash-express and get a decision in minutes.
  3. Get Funding: Once approved, the money will be instantly transferred from the finance company to your bank account.

With only an ID, you can apply for a loan. A fully automatic verification system will quickly process your application. If approved, you can receive funds through a payment card or bank account within 24 hours of submitting your application.

How to repay a loan in Cash-express?

It is extremely important to use a unique reference number for each payment. Here’s what you need to do:

  1. First, log in to your Cash-express personal account. Then choose the amount you need.
  2. Click the “Redeem” button and follow the instructions to open the Dragonpay window. Keep these steps in mind for a successful loan repayment process.
  3. Repaying a loan with Cash-express is very convenient. Various payment methods are offered, including Dragonpay, GCash, CLIQQ, 7-Eleven and other online services.

How to generate unique payment numbers?

Each repayment must be made based on a unique payment number. How to generate it?

  1. Log in to your Cash-express account
  2. Select repayment amount
  3. Then click the “Redeem” button and open the Dragonpay window.
  4. Choose your preferred payment method (7Eleven, Gcash, Maya, Grabpay…)
  5. Check the “I agree to the Terms of Use” box and click “Select”.
  6. A unique REFERENCE NUMBER of the payment is generated.
  7. Write your mobile phone or email address and click Send Instructions via Email/Mobile Phone.

GCash Instructions

  1. Open the GCash app on your phone and select “Accounts”
  2. Select Credits
  3. Select Dragon Loans
  4. Fill in the following payment details
  5. Reference number – your unique payment number
  6. Contact number – Your mobile phone number
  7. Amount – payment amount
  8. Email is your email
  9. Then click NEXT
  10. Click CONFIRM.

CLIQQ Mobile App Instructions

  • Open the CLIQQ app on your phone and select Pay Bills.
  • Select “Credits”
  • Select “Dragon Loans”
  • Add billing information and click Confirm.

7eleven convenient physical store (CLIQQ)

  • Open CLIQQ and select “Pay bills”.
  • Select “Credits”
  • Select “Dragon Loans”
  • Add payment information and pay off the loan. 

Be a Responsible Borrower

So, you have already taken a loan from Cash-express and want to be a responsible borrower? Three tips for the company’s clients:

Always make sure you can afford the payments

Before taking out a loan, make sure you have income or savings that will cover your current expenses, including loan repayments. Be mindful of the things you buy and make sure they don’t affect your ability to pay off your debt on time.

Find out the total cost of your loan

Pay attention to any additional charges on top of the principal and interest rates, such as handling fees or late fees. Make sure you understand all of these costs before signing up for a loan.

Make timely payments

If you cannot afford to pay off your loan in full on time, contact your lender. You may be able to work out a payment plan or other terms that work for both parties. Whatever it is, make sure you prioritize paying off the loan as quickly as possible.

Official website
Office address Level 10-1 One Global Place 25th Street Cor. 5th Avenue, Fort Bonifacio, Taguig City
Working time Mon-Fri: from 8:00 to 20:00, Sat-Sun: from 9:00 to 18:00
Contact number +632 7902-7390, +63 939 919-5727, +63 917 115-8452
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