Prima Cash - Online loans in Philippines

Name: Prima Cash - Online loans in Philippines
Brand: Prima Cash
Rating: 4.5 (2 reviews)

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Prima Cash

₱1,000 — ₱35,000

from 91 to 121 days

APR 34.68%

18+ years

Address and contact details

Prima Fintech (Philippines) Lending Corporation

SEC Registration No. CS201951100 Certificate of Authority No. 2917

Website: https://www.primacash.xyz/

Prima Cash is an online lending service associated with Prima Fintech (Philippines) Lending Corporation, a Philippine lending company that also operates Prima Loan. The company provides personal loans to borrowers in the Philippines through an online application process.

Prima Fintech is registered with the Securities and Exchange Commission (SEC Registration No. CS201951100, Certificate of Authority No. 2917).

Loan Terms

Loan amount ₱1,000–₱35,000
Repayment period 91 or 121 days
Maximum annual percentage rate (APR): 34.68%

Borrower Requirements

Applicants need:

A valid identification document.
Proof of income.
A completed loan application form.

The lending service is intended for residents of the Philippines.

How to Apply and Receive a Loan

Apply online. Complete the loan application and provide the required personal and financial details.
Application review. The lender reviews the submitted information and usually processes applications within 24 hours.
Receive funds. Once approved, the loan amount is transferred directly to the borrower's account.

How to Repay a Loan

Available repayment methods include:

Bank transfers.
Mobile payment platforms.
Payments at partner locations.

Other Conditions

Prima Fintech uses automated credit assessments to evaluate loan applications. These assessments consider the applicant's creditworthiness and may result in rejection.

Applicants whose loans are declined through automated decision-making can request a review by an underwriter.

External collection agencies may be involved in recovering unpaid obligations.

Features

Prima Fintech uses automated underwriting and fraud detection as part of its lending operations. The credit assessment process may involve verification of identity, income, financial information and other authorized customer data.

Customer Support:

Email: [email protected]

Working hours: Monday–Saturday, 8:30 AM–5:30 PM.

Prima Cash (also branded as PRIMA LOAN or PRIMA Cash Loan) is a mobile‑based online lending app that offers personal cash loans to Filipinos. It is operated by Prima Fintech / Prima Fintech Philippines Lending Corporation, an online‑lending company registered in the Philippines, and focuses on quick, unsecured loans disbursed directly to bank accounts or e‑wallets.

Prima Cash and PRIMA LOAN typically offer loan amounts ranging from about PHP 1,000 up to PHP 100,000, depending on the borrower category and repayment history. First‑time users usually start with smaller limits, such as around PHP 1,000–10,000, while repeat borrowers with good repayment records can grow their credit lines up to higher amounts.

Loan terms commonly run from about 91 days up to 365 days (around 3–12 months), giving borrowers several months to settle the principal and interest in installments. The app allows you to choose both the loan amount and the repayment period, with longer terms reducing monthly payments but increasing total interest paid.

Prima‑brand apps advertise relatively low daily interest rates, often starting around 0.02%–0.06% per day, which translates to an annual percentage rate (APR) that can reach about 20–24% depending on the term and product variant. In addition to interest, some versions list a service fee (roughly 10–20% of the loan amount) and possible third‑party channel fees, while also highlighting “no extra fees” for first‑time borrowers in certain promotions.

The app advertises a very fast approval process, with many users receiving an SMS or in‑app notification within minutes after submitting their application. Once approved, funds are typically transferred to your bank account or e‑wallet (such as GCash, PayMaya, or GrabPay) within a short time, sometimes as fast as 5–10 minutes, especially for first‑time or small‑ticket loans.

Prima Cash and PRIMA LOAN are generally open to Filipino citizens aged 18 to 60 who have a stable source of income, whether employed or self‑employed. Applicants must also have a government‑issued ID, a smartphone with internet access, and either a bank account or an active e‑wallet where the loan can be sent.

To apply, you usually need to provide a valid Philippine ID (such as a Driver’s License, SSS/UMID, Passport, Postal ID, PhilHealth ID, or PhilSys ID) and basic personal details through the app. The lender may also ask for proof of income or employment data, and all information is submitted digitally during the in‑app registration and verification steps.

Prima‑related apps are operated by Prima Fintech Philippines Lending Corporation, a company that is registered with Philippine authorities and claims to comply with local lending regulations. The app also emphasizes data protection and secure processing, using standard security protocols for online personal loans and e‑wallet transactions.

Repayment is usually handled through the app, where you can set up automatic or manual payments from your bank account or e‑wallet. The app displays the schedule (number of installments, due dates, and amount per installment), and you can pay on time to avoid penalties and improve your eligibility for higher future limits.

While some descriptions mention low or “no extra” fees for first‑time borrowers, standard lending practice still applies if you miss a payment, including possible late fees and collection efforts. It is important to read the specific product’s terms in the app, since non‑payment can also affect your credit standing with the lender and may lead to reminders or calls from their collection team.

You can use these apps without a credit card, since they focus on personal cash loans rather than card‑based credit. However, you usually need at least one bank account or a major e‑wallet (like GCash, PayMaya, or GrabPay) to receive the loan and to make repayments through the platform.

You can download the Prima Cash or PRIMA LOAN app from the Google Play Store or the Apple App Store and install it on your smartphone. After installation, you register with your mobile number, complete identity verification, submit your ID, and then select your desired loan amount and term to start the application.

Yes, your credit limit can grow over time if you repay your loans on time and maintain a positive borrowing history with the app. After successfully settling earlier loans, the system may automatically offer higher amounts and more flexible terms in your next applications.

Prima‑brand loans are designed for a wide range of personal needs, including daily living expenses, school tuition, medical or hospital bills, household purchases, appliances, gadgets, or even small business‑related costs. The app positions itself as a flexible emergency‑cash solution for working Filipinos, small business owners, and families.

Pros

Loan amounts ranging from ₱1,000 to ₱35,000
SEC-registered lending company
Convenient online application process
Applications usually processed within 24 hours
Direct loan disbursement to the borrower`s account
Multiple repayment methods

Cons

Only two repayment terms: 91 or 121 days
Valid ID and proof of income required
Automated credit assessment may reject applications
Credit checks may involve collecting mobile device information

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TERM	10 days	20 days	30 days	60 days	180 days
LOAN AMOUNT	₱35000	₱35000	₱35000	₱35000	₱35000
APR	34%	34%	34%	34%	34%
INTEREST AMOUNT	₱292.42	₱618.06	₱944.1	₱1922.16	₱5834.49
TOTAL REPAYMENT	₱35292.42	₱35618.06	₱35944.1	₱36922.16	₱40834.49

Prima Cash - Online loans in Philippines

Loan Terms

Borrower Requirements

How to Apply and Receive a Loan

How to Repay a Loan

Other Conditions

Features

Frequently Asked Questions (FAQs) about Prima Cash

What is the Prima Cash loan app in the Philippines?

How much can I borrow with Prima Cash?

What are the loan terms and repayment period?

What are the interest rates and fees?

How fast is approval and disbursement?

Who can apply for a Prima Cash loan?

What documents or information do I need?

Is Prima Cash safe and legal in the Philippines?

How can I repay my Prima Cash loan?

Are there late‑payment penalties with Prima Cash?

Can I use Prima Cash without a credit card or bank account?

How do I download and register in Prima Cash?

Can I increase my Prima Cash loan limit?

What types of expenses can I use a Prima Cash loan for?

Pros

Cons

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