Get Quick Cash Online With Cash-Express Loans

Cash-Express offers quick unsecured personal loans in Philippines with online application, minimum documents, flexible repayment and no hidden charges.

By Iconic MNL
8 Min Read

Getting a loan from a traditional bank can be long and difficult. It may take weeks or months to access the cash you need between paperwork, credit checks, and strict qualification requirements. Fortunately, there is now a faster and easier way to borrow money – an online loan in the Philippines from lending companies like Cash-Express.

Benefits of Cash-Express Loans

Cash-Express offers online personal loans tailored specifically for Filipinos. Here are some key advantages that make their loans a highly competitive borrowing option in the Philippines today:

  • Quick and Easy Application
    The entire loan application process at Cash-Express takes place online. You can apply for a loan in as fast as 15 minutes by simply inputting basic personal details on their website. There is no need to print or sign any physical documents. Cash-Express uses smart algorithms and digital data to assess creditworthiness as an online lender. This enables them to approve loans quickly without extensive paperwork or long waiting times.
  • Receive Funds Within a Few Minutes
    Once approved, you can receive the loan directly into your bank account in a matter of minutes. The fast turnaround time makes Cash-Express loans ideal to meet urgent financial needs. Whether you have a medical emergency, need to fix your car, or must make a last-minute travel booking, you can get the cash immediately after applying for the loan.
  • Borrow Up To ₱20,000
    Cash-Express does not demand collateral or security against loans as an online lending company. However, they offer loan sizes up to ₱20,000 – sufficient for most short-term cash needs. The no collateral and larger loan sizes allow more people to qualify for finance. You don’t need property, jewelry, or fixed assets to borrow from Cash-Express.
  • Flexible Repayment Terms
    Cash-Express offers customized loan terms tailored to suit a borrower’s repayment capability. Depending on your cash flow, you can repay the loan over flexible tenures ranging from 2 weeks to a month. They also do not levy any prepayment penalties. You can foreclose the loan early and save on interest costs.
  • 100% Online Process
    The loan application, approval, documentation signing, and disbursal are all done digitally. Everything from start to finish takes place online without meetings, calls, or branch visits. The end-to-end digital process offers convenience along with time savings. You can apply for a loan anytime, anywhere using your laptop or mobile phone without stepping out.
  • Quick Customer Support
    Cash-Express maintains prompt customer support via call, email, and chat. Their customer care team is available 7 days a week to address any loan queries or concerns. You can reach them conveniently on their website through live chat or a dedicated hotline number.
Quick Cash Online With Cash Express Loans

How Cash-Express Loans Work

Cash-Express offers a transparent online loan process with upfront terms and no hidden costs. Here are the main steps:

Eligibility Criteria
To qualify for a loan, you need:

  • To be between 21-70 years old;
  • To be a Filipino citizen currently living in the Philippines;
  • To be currently employed or have a stable source of income;
  • To have an active personal mobile number;
  • To have an active personal bank account or personal e-wallet;
  • You must have any of the following IDs: Passport, National ID, Driver’s license, SSS, UMID, Postal ID, and PRC ID. (Note that we need you to provide a picture of at least 1 of the 7 Mandatory IDs and a selfie holding the same ID).
  • Apply Online & Get Instant Decision
    Visit the Cash-Express website and click on “Apply for Loan”. You must fill in personal details like name, contact information, desired loan amount, and tenure. The form takes less than 15 minutes to complete. When you apply, their automated algorithm will process the information and offer an instant loan decision.
  • Loan Agreement Signing
    If approved, Cash-Express will email the loan contract immediately. The agreement will specify all relevant terms like loan amount, fees, interest, repayment schedule, etc. Read through the agreement carefully before accepting electronically with your signature. Digitally signed copies will be sent to your registered email address.
Cash Express Loans

What Makes Cash-Express Different

Unlike banks and traditional lenders, Cash-Express relies on smart analytics instead of extensive paperwork for underwriting. This makes the key differences in their loans:

  • No Collateral Needed
    Banks often demand collateral or guarantees from salaried borrowers and security from self-employed customers. Cash-Express provides unsecured loans based on eligibility and repayment ability. You do not need to pledge any assets to avail of a loan.
  • Minimum Documentation
    There is no need for extensive KYC paperwork and proof of income. Cash-Express depends on alternative data and information available digitally to assess creditworthiness. This simplifies documentation, making the loan process faster.
  • Fixed Interest Rates
    Banks provide fluctuating base rates that vary depending on policy changes. Cash-Express offers complete transparency with 0 interest rate for the first loan. The rates are specified upfront in the loan contract.

Who Should Get A Cash-Express Loan

Cash-Express online loans are ideal for individuals and businesses in the following situations:

  • Salaried Employees
    Salaried individuals with urgent cash needs can avail of quick financing for expenses between paychecks. Repayment in monthly installments conveniently aligns with salary credit cycles.
  • OFWs Abroad
    Overseas Filipino workers can arrange fast cash for family back home to meet emergency expenses using the Cash-Express online lending platform.
  • Self-Employed Professionals
    Self-employed and freelancers with limited financial records can still qualify for Cash-Express unsecured loans by providing basic KYC details.
  • Business Owners
    Small and medium-sized business (SME) owners and entrepreneurs can easily finance working capital needs or bridge temporary cash flow gaps using unsecured Cash-Express loans.

Frequently Asked Questions

  • What documents do I need to provide?
    You need to have any of the following IDs – Passport, National ID, Driver’s license, SSS, UMID, Postal ID, or PRC ID. (Note that we need you to provide a picture of at least 1 of the 7 Mandatory IDs and a selfie holding the same ID).
  • How quickly can I get the money?
    Once the loan is approved, you can quickly transfer the funds to your bank account in a few minutes.
  • When do I need to repay the loan?
    Repayment terms are flexible depending on your choice, ranging from 2 weeks to 1 month. EMIs will align with your selected tenure.
  • Can I pay off the loan early?
    Yes, foreclosure of the loan is allowed without any prepayment penalty. You can save on interest costs by closing the loan before the completion of the tenure.
  • What happens if I miss my repayment?
    You will be charged a penalty fee.

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