Cashalo in the Philippines

The mobile application that gives you fast, affordable and secure access to loans – anytime and anywhere!

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only Internet
(02) 808-8388,
Interest rate per day 0.3% - 0.5%
Loan tenure from 1 to 90 days
Approval duration Up to 24 hours

Cashalo is a quick way to solve financial problems. The financial organization issues loans without references and with the right to choose the term of the loan. In the Philippines, the company is included in the rating of the best microcredit firms.

Cash loan

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Interest Rates:  10% per month
Minimum loan amount: 2 000 PHP
Maximum loan amount: 10 000 PHP
Payment terms: 15 – 45 days
Approval time: 1 hour

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Lazada loan

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Interest Rates:  0% per month
Maximum loan amount: 4 500 PHP
Payment terms: Up to 90 days
Down payment: 0%
Approval time: 1 hour

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Shop Now and Pay Later

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Interest Rates:  3,99% per month
Maximum loan amount: 15 000 PHP
Payment terms: 60 – 270 days
Down payment: 20%
Processing fee: 5%
Approval time: 1 hour

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Loan Calculator

Monthly payment
₱ 888.49
Total overpayment
₱ 661.85
₱ 10661.85

How to get a loan

Only citizens over 18 years can use Cashalo’s services. In this case, the borrower must be employed or have a permanent income.

Getting a loan is pretty easy. It’s enough to follow a simple algorithm:

  • download the app (for smartphones on Android OS, you can do this in google play, for iOS – AppStore);
  • run the application;
  • sign in with your phone number;
  • fill in your profile with reliable information;
  • specify loan amount;
  • select payment terms;
  • wait for the decision on your application;
  • get money into your bank account.

6 steps to get a loan:

  1. Download the application to your smartphone.
  2. Create a profile.
  3. Authorization.
  4. Filling out a loan application.
  5. Waiting for the application to be processed by Cashalo staff.
  6. Getting money into a bank account.

How to repay a loan

You can make payments through Cashalo partner services:

  • 7-Eleven;
  • Robinsons;
  • BDO branches.

Debt payment is also provided directly through the mobile application using “Robinsons Online Banking” or “Dragonpay”. Please note that a transfer fee may be charged. When transferring money through Robinsons, it will be 12 Philippine pesos (14.83 rubles). With the financial instrument ECPAY, the amount of the commission will be equal to 15 Philippine pesos (18.54 rubles). 

About Cashalo

The logo Cashalo is a mix of 2 words: Cash + Kasalo, logo can be interpreted as “partner for your finances”.
Cashalo is a micro lending platform which was registered by the SEC on January 18, 2018 CSC201800209 certificate 1162 under the name PALOO FINANCING, INC. This fact often confuses many clients and experts of Internet services, who warn their users that they have not found the registration of Cashalo in the SEC.
The fact is that Cashalo is the commercial name of the digital lending platform through which PALOO FINANCING, INC. lends money.
Already 9 months after the Cashalo registration, on October 23, 2018 was released the mobile app. The use of innovative technologies made it possible to provide almost every Filipino with access to quick loans using only a cellphone. The process of applying for a credit takes no more than 15 minutes, and the decision to grant a credit takes no more than 2 hours. You do not need to collect a lot of information and documents, but just download the mobile application on your cellphone and login to quickly use mobile credits in case of an emergency.
In January 2019, Cashalo launched Cashacart service – a solution for financing customers who do not have a Bank card. Lending to a consumer basket “offline-online” using a digital loan in the amount 2000 – 19,999 PHP. You can use these credits when purchasing products from Cashalo partners.

Cashalo offers and rates

The first cash loan in Cashalo can be issued in the amount of no more than PHP 1,500 at 10% per month for a period of no more than 45 days. You can get your first credit using only one ID. The second and subsequent cash loans can be taken in the amount of 2000 to 10000 PHP.
Lazada loans are Cashalo products with a maximum loan amount of up to PHP 4,500 processing fee 5%. for a period of up to 90 days. After approving these loans, the money will be received to your Lazada wallet in approximately 1-3 days.
The most profitable offer of Cashalo is a loan for the purchase of goods in partner stores. To get started, you need to download the application to your gadget, register and login, then select mall. Then go to stores, select and put the product in the basket and pay in installment plan up to 3 months at 0% APR! Please note that in case of early repayment of the borrow in the Robinsons department store, a corresponding fee of 3% is charged to the borrower.

Cashalo requirements

The requirements for borrowers are minimal, but may vary depending on the mall. First, you need to confirm your identity using a government-issued ID. Secondly, confirmation of your place of residence using payment documents for utilities. Third, proof of your ability to pay by providing information about your work and the latest payment list.
You will also need your Bank details if you transfer the borrowed funds to a Bank card.

How to calculate a loan and how to apply it?

If you have chosen the Cashalo loan product, then, having familiarized yourself with the conditions, you can calculate credit payments using the calculator on our website or on the Cashalo website.
To calculate credit payments using the UpFinance calculator:
1. Enter the required amount in the “Loan amount” line.
2. Enter the number of months during which you plan to pay (taking into account the maximum possible credit term) in the “Term” line.
3. Enter the percentage rate in the “Interest rate” line and select “per month”.
You can fill out an application for any loan using the Cashalo mobile app.

Product Features

Min. financing amount ₱2000
Max. financing amount Up to ₱10000
Min. loan tenure 1 days
Max. loan tenure 90 days
Interest rate per day 0.3% - 0.5%
Approval duration Up to 24 hours
Debt consolidation Yes

Example of calculating interest and loan payments

TERM 1 days 2 days 3 days 4 days 90 days
LOAN AMOUNT ₱5000 ₱5000 ₱5000 ₱5000 ₱5000
FEE PER DAY 0.3% 0.3% 0.3% 0.3% 0.3%
INTEREST AMOUNT ₱15 ₱30 ₱45 ₱60 ₱1350
TOTAL REPAYMENT ₱5015 ₱5030 ₱5045 ₱5060 ₱6350

Other Requirements

Need to open linked banked account? Yes
Other details -


Download Cashalo via the Google Play Store or iOS App Store .
Open the Cashalo app and click “Register”.
Enter your mobile number and get a one-time confirmation code.
Enter the confirmation code and register using your username, email address, and password.

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You can repay the loan through online payment channels GCash, BDO or Robinsons Online Banking. For more information, call (02) 7902-1080.

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The longest loan period is 45 days.

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For late payments, interest may be added to your next payments dates according to the credit agreement. The calculation is based on the principal amount.

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A payment made during the quarantine period will be considered an advance payment.

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Payments are possible by Internet – BDO Online, GCash, Robinsons Online Banking. And also through, a large number of ticket offices Cebuana Lhuillier and similar systems Bayad center, 7 Eleven.

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Cashalo hasn’t branches, only the main office by the address: Philippines 1634, Taguig City, BGC, 16F World Plaza.

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I had a problem, I activated the payment later than I bought the Jollibee voucher, but I could not scan the QR sellers.
Contact SA CS through the app. In this way, they can help you check your voucher status.

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Under the “FLY NOW & PAY LATER” program, you can buy in installments, a Cebu Pacific ticket up to Php 9000 and pay for it later.

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Yes, we have a customer service center, you can call the hotline or through the website

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Cash Academy was created for those who want to control their expenses or build their own business. Many useful articles on our blog will help you understand if you really need a new gadget. For questions about posting news, write to email

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You can leave a review using the feedback form on our website, email or google, fb. You can read the existing reviews in the same sites.

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If you want to become a part of the team, contact with our hr office and the hiring Manager by email You can also contact the hiring office by the address: Philippines 1634, Taguig City, BGC, 16F World Plaza

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Address only Internet
Phone number (02) 808-8388
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Editor, copywriter of the site.

User rating


3 months ago


I'm being using this app for just one month and I made my payment on time and effectively with out any delay or default But when I am in transit and my mobile phone was getting switching off and it was in power saving mode where I cannot switch to internet, and that'time got a call from someone and local guy with a kind of rude and un parliamentary language and started abusing when I have informed that after 1 hour I would make the payment and instantly disconnected the call and was giving call after call from different countries number and disgusting language I'm going to update with all the other Playstore and all the platforms with the current situation, if no response from the developer and Admin team

4 months ago


Please never take loan from this app

4 months ago


I want manager contact number

4 months ago

please check my payment

please check my payment ,already pay for it before the pandemic why are you texting me that i have a balance payment .. kung iisipin sobra sobra nga binayad ko sa inyo please check your system and i already uninstall the app .. ano to kahit tapos na magbayad sinisingil nyo parin

2 years ago

Best Services and customer satisfection

Cashalo is a reliable source of financial products to help people meet daily financial needs particularly for those unable to access mainstream borrowing products. Cashalo offers applicants the chance to choose the amount of money to borrow driven and guided by transparency and flexibility principle

2 years ago

Effectiveness and Efficiency

It Has Simple Easy Step_Step Method i love it. it also provides the facility of mobile app so you can also get loan from mobile i love it a nice and easy.

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