CashMum loan app Philippines: loan up to ₱20,000

CashMum is a Philippine online lending platform offering personal loans from 1,000 to 20,000 PHP with a simple online application and repayment terms of up to 190 days. CashMum 

Lending, founded in 2020, offer accessible and efficient financial solutions to individuals and small businesses. Its user-friendly platform allows to submit the request in minutes, with just a few taps on CashMum loan app.

Loan Terms

• Amount from 1,000 to 20,000 PHP
• Maximum loanable amount for first try 20,000 PHP
• Repayment Term up to 190 days
• No hidden fees

Is CashMum legit?

Yes, CashMum is a legitimate and SEC-registered lending company in the Philippines. CashMum is operated by Cashmum Lending Investors Corp. and holds Certificate of Authority No. 3413 to operate as a lending company.

Types of Loans

• Personal Loans for various purposes, such as medical expenses, home improvements, travel, or any other personal financial need.
• Salary Loans for salaried employees, salary loans often come with lower interest rates due to the borrower’s stable income source. 
• Motorcycle Loans for individuals looking to purchase either a new or pre-owned motorcycle, 
• Cash Advances - short-term loans intended for immediate financial needs

Requirements

• Age 20-65 years
• People with a steady income
• Valid ID card
• Valid wallet account or bank account

What IDs does CashMum accept?

The Google Play listing states that users can upload several types of Philippine government-issued identification, including:

• National ID;
• SSS ID;
• Driver's License;
• UMID;
• PRC ID;
• TIN ID;
• Passport.

Additional verification may be requested depending on the information provided in the application.

How to apply for a loan in CashMum

Applying for a CashMum loan can be completed online in a few steps:

1. Install the official CashMum app from Google Play or the Apple App Store.
2. Register an account with your active Philippine mobile number.
3. Fill in your personal details and other information requested in the application.
4. Add your employment or income information.
5. Upload a valid government-issued ID for identity verification.
6. Choose the loan amount available to you in the app.
7. Select your preferred bank account, e-wallet or other available disbursement method.
8. Submit the application and wait for CashMum to complete its assessment.
9. If your application is approved, carefully check the approved amount, interest, fees, repayment schedule and total amount due.
10. Accept the loan agreement if the terms are suitable for you.

Once the loan is approved and confirmed, CashMum sends the funds to your selected disbursement account. In some cases, the money may be credited within the same day, although the actual processing time depends on the receiving bank, e-wallet or payment provider.

How long does CashMum approval take?

CashMum promotes a fast online application and says approved loan proceeds can be available within the day.

This does not mean that every application is automatically or instantly approved. Processing time may depend on:

• whether your information is complete;
• identity verification;
• the accuracy of the submitted documents;
• CashMum's internal credit assessment;
• the receiving bank or wallet.

Applicants should therefore avoid assuming that a loan will arrive immediately after submitting the form.

How to receive a CashMum loan?

Once a loan is approved, the funds are transferred to the cash-out option selected by the borrower.

CashMum's website states that applicants should have a valid wallet account or bank account, while the app indicates that approved funds are deposited through the selected cash-out channel.

Always make sure that the receiving account belongs to you and that the details entered in the app are correct.

How to repay a CashMum loan

CashMum provides several repayment channels.

According to its Google Play listing, payments may be made through:

• 7-Eleven;
• payment centers;
• Cebuana Lhuillier;
• GCash;
• Maya;
• SM Department Store, supermarkets and payment counters;
• Savemore;
• Robinsons Department Store and supermarkets;
• LBC.

CashMum also states that borrowers may repay in full or in part before the due date.

Before making a payment, open the CashMum app and check the current amount due and payment instructions. Keep your receipt or electronic transaction confirmation until the payment appears in your account.

Cash Mum Features

• Online Application. Applications can be submitted entirely online through our website or mobile app, making the process fast and convenient without the need to visit a physical branch.
• Flexible Repayment Terms. Borrowers can choose a repayment schedule that best suits their financial situation, providing greater freedom and comfort.
• Transparent Fees. All interest rates, fees, and charges are clearly disclosed upfront. This allows borrowers to easily understand the costs and make informed decisions.
• Fast Approval. Cashmum’s streamlined application review process ensures that eligible applicants often receive approval within 24 hours, which is especially important for urgent financial needs.
• Convenient Repayment Methods. Loan repayment can be made through various channels, including bank transfers, over-the-counter payments, or partner remittance centers. This variety ensures maximum convenience for clients.

CashMum ensures compliance with Philippine laws, providing a safe and reliable option for borrowers. 

CashMum app download

CashMum offers an official mobile app for Android users. You can use the app to register, complete your loan application, upload a valid government-issued ID, check your application status and manage repayments.

Android: Download CashMum on Google Play

CashMum is also available for Apple devices:

iPhone/iOS: Download CashMum on the App Store

To avoid fake loan apps, download CashMum only from the official Google Play or Apple App Store listing.