XLKASH Lending Corp. is a Philippine lending company operating the XLKash Lending, or XLKash, digital personal-loan platform. The company provides unsecured online loans through mobile applications for Android and iPhone.
The current company website and application listings identify XLKASH Lending Corp. as the legal operator. The Credit Information Corporation also lists the company as doing business under the name XLKash Lending.
The company’s registered and consumer-facing brand is XLKash Lending. The shorter name XLKash is used throughout the official website and mobile applications.
A separate corporate brand or another current online lending platform operated by the company was not confirmed. The company and the lending product use the same official website.
XLKash is currently available for both Android and iPhone.
The Android application is published under the name Xlkash Lending-Cash Loan App by XLKASH Lending Corp. It had more than 100,000 downloads and was updated on June 16, 2026.
The iPhone version is called XLKash Lending – Cash Loan App. The App Store identifies XLKash Lending Corp. as its provider.
Applicants should verify the developer name before installing either application. An app using the XLKash name but published by another company should not be treated as official.
The current Android application publishes the following general conditions:
The ₱60,000 amount is the maximum advertised credit limit. It does not mean that every applicant will qualify for that amount. The available principal, term and interest rate depend on the customer’s application and credit assessment.
The official website also advertises a maximum limit of ₱60,000 and describes the application as a short digital process.
The Android and iPhone application descriptions contain different minimum amounts and repayment periods.
The Android listing states:
The iPhone listing states:
The iPhone description does not provide the same complete APR range shown in Google Play.
Because the public descriptions differ, customers should rely on the individual Disclosure Statement and electronic loan agreement displayed before confirmation. The actual offer may also depend on the operating system, account profile or current product version.
The current Android application provides an example for a ₱15,000 loan issued for 120 days at an APR of 18%.
The calculation is presented as follows:
The calculation is:
₱15,000 × 0.05% × 120 = ₱900.
This example does not include a separate service or processing fee. The borrower should still inspect the individual offer for deductions, transaction charges or other costs.
The iPhone application provides a different example using a 90-day term:
The current application lists three basic eligibility requirements:
The official website adds that the applicant should have a steady source of income, valid identification and an acceptable credit history.
Meeting the basic requirements does not guarantee approval. XLKASH Lending Corp. may reject an application because of:
The company states that a rejected applicant may submit another request after correcting the information or improving their financial profile.
The XLKash privacy policy states that the company may collect:
The company may request additional documents when needed to verify the applicant’s identity or information.
The precise document list is shown during the current application process. Applicants should provide information only through the official app or website.
The applicant should install the Android or iPhone application published by XLKASH Lending Corp.
The developer name, company registration number and Certificate of Authority should match the information published by the company.
The customer creates an account using the mobile number and other information requested by the application.
The phone number should belong to the applicant and remain active during the loan period because it may be used for:
Passwords, PINs and one-time verification codes should not be disclosed to another person.
The applicant submits personal, employment, income and financial information.
All details should be complete and consistent with the identification documents. Incorrect information can delay the review or result in rejection.
XLKash may request a government-issued ID and live selfie. Camera access is used for document scanning, Know Your Customer verification and biometric identity checks.
The applicant provides an available bank account, electronic wallet or another supported receiving method.
The account details should be checked carefully before the application is submitted. Incorrect information may delay or prevent disbursement.
The company’s automated system and review team evaluate the submitted information.
The company may:
Before accepting the loan, the customer should check:
After approval, the borrower signs an electronic contract before the funds are released.
The Android and iPhone listings state that approval may be completed in as little as three minutes. The website advertises a five-minute application or approval process.
These are promotional estimates rather than guaranteed deadlines. Processing may take longer when:
Submitting an application does not guarantee approval or immediate receipt of money.
The latest Android disclosure publishes an APR range from 18% to 30%. The representative example uses an 18% APR and does not show a separate service fee.
The borrower should nevertheless compare:
A statement that the platform provides transparent pricing does not mean that every transaction is free of additional charges. All legitimate costs should appear in the Disclosure Statement.
The current application states that repayment may be completed through:
A complete fixed list of current payment partners is not published on the public app page.
Borrowers should use only the instructions displayed in:
Before paying, the customer should confirm:
Payments should not be sent to an unidentified personal account belonging to someone claiming to represent the company.
The official website states that a completed payment is normally reflected in the application within approximately five minutes. A customer should contact support when the account continues to show an unpaid status after processing.
The public website and current application descriptions do not clearly state whether early settlement reduces future interest or whether a settlement fee applies.
A borrower planning to pay early should request a written payoff calculation containing:
The account should not be considered closed until XLKash confirms that the balance is zero.
The public application pages do not provide one universal late-payment penalty applicable to all XLKash loans.
The borrower should check the individual agreement for:
A customer expecting payment difficulty should contact support before the due date and request written information about available options.
The XLKash privacy policy states that the company may process personal, financial, behavioral and technical information.
The company may process IDs, selfies, contact details, employment records, bank-account information, income and credit history. These details are used for identity checks, loan processing and credit assessment.
XLKash may collect:
The company states that these details may be used for security, fraud prevention and account administration.
The application may process approximate GPS information, latitude and longitude. Location may be used for service functions and fraud prevention.
Camera access may be used to photograph identification documents and capture live selfies. The company also identifies a facial-verification service used for KYC and fraud prevention.
The Apple privacy disclosure states that contact-list information may be collected and linked to the user’s identity. Customers should examine the permission request before giving the application access to their contacts.
The Android Google Play disclosure states that the app may collect location, personal information and seven other data categories. It also states that data is encrypted during transmission and that users may request deletion.
The privacy policy states that customers may request data correction or deletion.
A deletion request may be submitted through the application’s account settings or by email. The company states that a verified deletion request is normally processed within 15 calendar days.
Published retention periods include:
Loan contracts, repayment records and other legally required information may not be immediately deleted.
XLKASH Lending Corp. is included in the current Credit Information Corporation lists of accessing entities and submitting entities in production under the business name XLKash Lending.
The company completed CIC onboarding for live borrower-data submission on September 25, 2025.
Information about an XLKash loan and its payment status may therefore form part of the borrower’s Philippine credit record. Late or unpaid obligations may affect future applications with other financial institutions.
XLKASH Lending Corp. publishes the following registration details:
Company: XLKASH Lending Corp.
Brand: XLKash Lending
SEC Registration Number: CS201917309
Certificate of Authority Number: 3136
Certificate of Authority date: October 14, 2019
The current company website and both application stores consistently use SEC Registration Number CS201917309 and Certificate of Authority Number 3136.
The historical SEC list dated May 31, 2020 contains apparent typographical errors, spelling the company name as “XLKAH” and showing registration number CS201817309. Its Certificate of Authority number and issue date otherwise correspond to the current company disclosures.
Company: XLKASH Lending Corp.
Brand: XLKash Lending
Company website: xlkashlending.com
Brand website: xlkashlending.com
Android application: play.google.com/store/apps/details?id=com.xlkash.lending.loan
iPhone application: apps.apple.com/ph/app/xlkash-lending-cash-loan-app/id6740023731
Customer-service email: [email protected]
Android support email: [email protected]
Administrative email: [email protected]
Corporate emails: [email protected] and [email protected]
Developer phone: +63 970 392 3870
Additional corporate phones: +63 917 712 5200 and +63 977 487 1003
Office address: 19th Floor, Marco Polo Ortigas Manila, Sapphire Road, Ortigas Center, Barangay San Antonio, Pasig City 1600, Metro Manila, Philippines
The official active brand is XLKash Lending, and the company and brand use the same website.
Yes, the Xlkash Lending Corp. is legit. It registered with the Securities and Exchange Commission (SEC), with Registration No. CS201917309 and Certificate of Authority No. 3136. To verify this information, you may also visit the official SEC website.
If you want to file a complaint against "Xlkash Lending Corp.", you may leave a review or contact the SEC by email at [email protected] or by calling the SEC Call Center at 02-5322-7696.
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