PALOO FINANCING, INC.

Paloo Financing Inc.

Paloo Financing Inc. is a Philippine financing company registered with the Securities and Exchange Commission under SEC Registration No. CS201800209. Its Certificate of Authority to Operate as a Financing Company is No. 1162.

Brand operated by the company

Paloo Financing Inc. does business under the name:

• Cashalo

Cashalo is a digital credit platform providing personal cash loans through Android and iPhone applications. The platform is part of Tilt Finance, formerly known as Empower Finance.

What Cashalo does

Cashalo provides unsecured personal loans to Filipino consumers. Customers can use the service for bills, school expenses, medical needs, household costs, business expenses and other legal purposes.

Applications are completed digitally. Cashalo states that only one valid ID may be required and that no collateral or personal references are necessary for its standard cash-loan product. Approved funds may be transferred to an e-wallet or bank account.

Cashalo loan terms

The current Android application publishes the following terms:

• amount of up to PHP 13,000;
• minimum term of 61 days;
• maximum term of 180 days;
• daily interest rate of 0.2%;
• daily service fee of 0.2%;
• maximum daily effective rate of 0.5%;
• maximum monthly effective rate of 15%;
• maximum APR of 180%.

The current application gives the following example:

• amount borrowed: PHP 2,000;
• term: 90 days;
• interest: PHP 360;
• service fee: PHP 360;
• total repayment: PHP 2,720.

The iPhone listing still advertises cash loans from PHP 1,000 to PHP 25,000 and a maximum APR of 36%. These figures do not match the newer Android disclosure. This may reflect different products, customer groups or an outdated store description. The individual Disclosure Statement should be treated as the controlling source.

Rate limits from April 2026

Cashalo states that new SEC pricing limits apply from 1 April 2026 to unsecured general-purpose loans that meet all of the following conditions:

• principal of PHP 10,000 or less;
• term of four months or less;
• no collateral.

For these covered loans, the limits include:

• interest of no more than 6% per month;
• combined interest and fees of no more than 12% per month;
• late-payment penalties of no more than 5% per month on the overdue amount;
• total interest, fees and penalties limited to 100% of the principal.

Loans outside these conditions may use different rates, subject to other applicable rules and the individual agreement.

Who can apply

Cashalo generally requires:

• legal age;
• Philippine residence;
• active mobile number;
• valid government-issued ID;
• supported bank account or e-wallet;
• sufficient information for identity, fraud and credit checks.

The platform may also assess device, location, installed-app and SMS information where the borrower grants the required permissions.

How Cashalo works

The usual process includes:

1. Downloading the official Cashalo application.
2. Registering with a mobile number.
3. Providing personal and employment information.
4. Uploading one valid government-issued ID.
5. Completing identity and credit verification.
6. Selecting an available loan offer.
7. Reviewing the interest, service fee, payment dates and total repayment.
8. Accepting the Disclosure Statement and agreement.
9. Receiving the funds in a bank account or e-wallet.

Cashalo advertises an immediate payout after approval, although the actual transfer may depend on verification and the receiving institution.

Cashalo application

Cashalo is available for both Android and iPhone.

Android application: Cashalo – Fast Cash Loan App

Google Play package: com.oriente.cashalo

iPhone application: Cashalo – Cash Loan and Credit

The Android version was updated on 3 July 2026. The iPhone application also received multiple updates during 2026.

Cashalo contact information

Website: cashalo.com

Customer support email: [email protected]

Telephone: +63 2 8470 6888

Facebook: @CashaloPH

Instagram: @CashaloPH

Customer service hours: Monday to Friday, 8:00 a.m. to 5:00 p.m.

Current address published on the Cashalo website: One Corporate Center, Julia Vargas Avenue, Ortigas Center, San Antonio 1600, Pasig City, Philippines

Corporate details:

Paloo Financing Inc.
SEC Registration No. CS201800209
Certificate of Authority No. 1162

Cashalo is a fintech platform that delivers digital credit to Filipinos

With Cashalo, cash loans have a starting interest rate of 3.95% annual:

• Loan Amount from PHP 1,000 to 10,000
• Terms from 15 to 45 days
• Annual interest rate does not exceed 49.68%
• Cashalo minimum disbursement time is typically less than 24 hrs
• The Buy Now, Pay Later feature in the Cashalo loan app allows you to make purchases and pay in installments at over 1000 partner stores or leading online retailers.

How to apply for a loan in Cashalo

• Log in with your mobile number
• Tap "Apply Now" under Cash Loan
• Complete your profile
• Choose your desired loan amount and loan terms
• Select a cash-out option. You can choose either your nominated bank account, GCash, or PayMaya account.
• Complete your application and wait for your loan approval