Company:
Paloo Financing Inc.
SEC Registration No. CS201800209 Certificate of Authority No. 1162
This is the best loan application in my opinion! I have been using it for a long time and I have no problems. The main thing is not to take out loans if you are not sure that you can repay them on time!
My account
Initial experience with Cashalo was okay but after building up my score, my loan limit suddenly dropped back to ₱2,000. I needed more for an emergency and was rejected, which was frustrating. Customer service was slow to respond via email, so for future borrowers: keep screenshots of everything (especially approval messages and receipts), don’t rely solely on the app for records. If issues arise, submit concerns early and be persistent—Cashalo’s team eventually replies but not as fast as I’d hoped.
The loan application was processed quickly, which was great. However, I find their interest rates slightly higher compared to other microfinance options.
Cashalo has been a lifesaver for me during tough times. The interest rates are competitive. Thanks to their flexible payment options, I've managed to keep my finances under control without any stress.
My experience with Cashalo has been less than satisfactory. The interest rates were higher than I needed. Customer service was not very helpful in resolving my concerns quickly. I think they need to work on transparency and efficiency to improve their service.
Where can I see the website?
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Interest |
Loan amount |
Term |
Borrower age |
SEC registered |
||
|---|---|---|---|---|---|---|
|
APR 182%
|
₱1,000 — ₱30,000
|
from 61 days to 364 months
|
21 — 70 years
|
SEC Registration No. 2021030009095-02 Certificate of Authority No. 3427
|
|
|
0.16% per day
|
₱500 — ₱25,000
|
from 15 to 135 days
|
20 — 55 years
|
SEC Registration No. CS201918702. Certificate of Authority No. 3169, NPC Registration No. PIC-001-791-2021
|
|
|
APR from 4% to 916%
|
₱1,000 — ₱25,000
|
from 30 days
|
18+ years
|
Loan broker Finami
|
|
|
Interest rate 24% to 143%
|
₱2,500 — ₱30,000
|
from 3 to 12 months
|
21 — 70 years
|
Loan broker Finance Solution
|
|
|
APR from 4% to 916%
|
₱1,000 — ₱50,000
|
from 3 to 4 months
|
18+ years
|
Loan broker Binixo
|
|
If you have an issue with Cashalo, contact the lender first using its official support channels.
Customer support
When contacting support, include your loan reference number, payment details and a clear description of the issue. Keep copies of your emails, receipts and screenshots.
If the lender does not resolve your complaint, you can submit it to the Philippine Securities and Exchange Commission (SEC) through the official SEC iMessage portal:
https://imessage.sec.gov.ph/
If your complaint relates to misuse of personal information or unauthorized access to your contacts, you may also contact the National Privacy Commission (NPC).
Reviews on this page reflect borrowers' personal experiences and are not official complaints. If you have dealt with Cashalo, you can also share your experience below.
