Cash express - Online Loans in 15 minutes with No Requirements

Cash-Express Philippines Financing Inc. is a leading fintech company providing fast, easy, and secure online loans to Filipinos through mobile and PC platforms.

Established in 2019 and part of the Aventus Group, Cash Express offers loan approvals within minutes and quick fund transfers, making borrowing hassle-free and accessible. The company is fully licensed and compliant with Philippine regulations, ensuring a safe lending experience.

Cash express ph is FAST, EASY and CONVENIENT:

• First online loan for 7 days with 0% interest
• Terms are 7 or 14 days
• Need only one document
• Quick approval in 15 minutes
• Flexibility, speed, and convenience.
• Several ways to pay

Loan amount:

• Loan amount from PHP 1,000 up to 20,000 
• The first loan maximum PHP 10,000

Interest rates:

• Interest rate for the first 7 days - 0%
• Interest rate for the first 14 days - 1% per day
• Interest rate for repeat one - 1.99% per day

Cash express Advantages

Easy: Simple and quick solution at the tip of your fingers

• Apply anywhere you are
• Only one document needed

Advance & Secured: CXPH is utilizes advance digital tools to ensure your data is protected.

• CashXpress carries the NPC (National Privacy Commission) seal of accreditation
• CashXpress uses the highest level of security to process and store your data. You are guaranteed confidentiality

Fast & Convenient: It only takes 5 minutes!

• Get your loan proceed instantly in your bank account
• Repay via online banking
• Extend your loan due date

Loan Requirements

• Filipino citizen
• The age from 21 to 70 years
• Identity card
• Mobile phone number

A list of accepted IDs for loans in the Philippines:

• Philippine National ID (PhilID)
• Passport
• Driver's License
• Social Security System (SSS) ID
• Tax Identification Number (TIN) card
• Unified Multi-Purpose ID (UMID)
• Others

How to apply and get a loan with Ph Cash Express

Getting the loan is easy:

1. Register: Create your profile and fill-out the application form
2. Get verified: Take our call and wait for the decision in just minutes
3. Get creditted: Once approve, money is transferred instantly to your bank

Repayment Terms and Payment Methods

Repayment Terms

• Loan Tenure — Standard loan term of 180 to 189 days; payment frequencies every 7, 14, 21, or 30 days
• Early Repayment — All loan terms and conditions are clearly communicated with no hidden fees or unexpected charges
• Maximum Repayment Period — Up to 2 months (61–90 days) for some loan products

Payment Methods

Cash-Express uses Dragonpay as its payment gateway. Each repayment must be done based on a unique REFERENCE NUMBER:

How to Generate Payment Reference Number:

1. Log in to your Cash-Express personal account
2. Choose your repayment amount
3. Click the "Repay" button and open Dragonpay window
4. Check "I agree to the Terms and Conditions" and click "Select"
5. Unique payment REFERENCE NUMBER is generated
6. Enter your mobile number or email and click "Send instructions via Email/Mobile"

How to repay Cash Express loan via GCash, Maya and 7-Eleven

Real-time posting (instant):

• 7-Eleven — Pay at any 7-Eleven store
• GCash — Go to GCash app → Bills → Loans → Dragon Loans → Enter reference number, contact number, and amount
• Maya — Pay via Maya e-wallet
• GrabPay — Pay via GrabPay wallet

1-day posting:

• Cebuana Lhuillier — Pay at Cebuana Lhuillier outlets
• Bayad Center — Pay at Bayad Center locations
• LBC — Pay at LBC payment centers
• SM Bills Payment — Pay at SM Center billing stations
• Robinsons Bills Payment — Pay at Robinsons billing stations

1–3 days posting:

• Bank Transfer — Transfer via any bank in the Philippines

3–5 days posting:

• Internet Banking — Pay via online banking

CashXpress interest rate, fees and late payment

CashXpress advertises a 0% introductory rate for a first loan repaid within seven days. Its published offer gives new customers access to up to ₱10,000, while the overall loan range is ₱1,000–₱20,000. The product summary lists seven- and fourteen-day loans. A first fourteen-day loan is described at 1% interest per day, compared with a published 1.99% daily rate for repeat borrowing.

CashXpress customer service - hotline, email and support hours

CashXpress is operated by Cash-Express Philippines Financing Inc. The listed office is Unit 3101, Trade and Financial Tower, 7th Avenue corner 32nd Street, Bonifacio Global City, Taguig. Borrowers can access the service at cash-express.ph and enter the personal account to check balances, generate a Dragonpay reference, select repayment amounts and request a due-date extension. Use [email protected] for payment concerns or [email protected] for general enquiries. Its official call centre operates daily, 8 a.m.–5 p.m. When enquiring about a missing payment, have the unique Dragonpay reference number and receipt ready. The reference is generated after selecting the repayment amount and entering the registered mobile number or email in the Dragonpay window.

Is Cash-Express legit?

Yes. Cash-Express is operated by Cash-Express Philippines Financing Inc., a financing company registered with the Philippine Securities and Exchange Commission (SEC).

The company publishes the following regulatory details:

• Legal company name: Cash-Express Philippines Financing Inc.
• SEC Registration No.: CS201951088
• Certificate of Authority No.: 1309
• Business name: Cash-Express

Cash-Express states that Certificate of Authority No. 1309 was granted by the SEC and allows the company to operate its financing business in the Philippines.

The company's registered office is located at Unit 3101, Trade and Financial Tower, 7th Ave. corner 32nd St., Fort Bonifacio, Global City, Taguig.

An example of calculating a first loan with a standard interest rate of 1% per day. Loan amount – 1000 PHP, duration – 7 days, interest – 1% per day. (0.01 * 7 * 1000) + 1000 = 1070 PHP. Total payment amount: 1070 PHP.