Cashalo – review 2026
Pros
- Approval decisions typically returned within minutes
- Available on both Android and iOS
- SEC-registered digital lending platform, not an informal lender
- Loan limits can grow with a positive repayment history
Cons
- Short initial cycle of up to 30 days suits only genuinely short-term needs
- Maximum first-loan amount of PHP 10,000 is modest
- Monthly rate of 3.49% or higher can compound the cost of frequent borrowing
Cashalo is an SEC-registered digital lending platform offering short-term cash loans from PHP 2,000 to PHP 10,000, with an initial repayment cycle of up to 30 days and a monthly interest rate starting at 3.49%. Operated under the Oriente group's local lending arm, the app relies on automated credit assessment to return approval or decline decisions within minutes of application.
Who it suits
Cashalo is designed for borrowers facing a genuine short-term cash gap who can repay within roughly a month, rather than those looking for ongoing credit. First-time borrowers typically start at the lower end of the amount range, with limits increasing after a track record of on-time repayment.
Applying and repayment
The app is downloaded from Android or iOS stores, and applicants complete identity verification and submit basic income or contact information. Once approved, funds are sent to the borrower's nominated e-wallet or bank account, with the balance due as a single repayment or installments depending on the product selected.
Requirements
- Filipino citizen aged 18 and above
- Valid government-issued ID for identity verification
- Active mobile number and e-wallet or bank account for disbursement
- Smartphone with the Cashalo app installed from an official app store
- Basic proof of income or employment status, if requested during assessment
Provider contacts
- Name
- Cashalo (Oriente Easi Technologies Corp.)
- Address
- 10F Five Neo Building, 5th Ave., BGC, Taguig City, Philippines
- Reg. number
- SEC Registration No. CS201710588
- Website
- https://www.cashalo.com
- Online application
- Apply now →
- Regulator
- Bangko Sentral ng Pilipinas (BSP)
Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.