Is Cash Mart legit?
Cash Mart Asia Lending Inc is SEC registered, but the Cash Mart app is not on the SEC list by name. The SEC list dated Sep 29, 2026 records only its website, "Cashmart.ph (website)". The company holds SEC Reg. No. CS201610084, CA No. 1849. Borrow through the recorded website, or ask the SEC whether the app is covered. The SEC lifted an order of revocation against the company (SEC En Banc Case No. 07-25-579). SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Only its website, "Cashmart.ph (website)"; the app is not named | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Cash Mart Asia Lending Inc., CS201610084 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1849 (as printed by Cash Mart) | Google Play, updated Feb 16, 2026 |
| Price published | Yes: Maximum APR 20.86%; interest rate 0.80%. | Google Play, updated Feb 16, 2026 |
| Loan amount and term | Up to ₱30,000, over 84 to 140 days | Google Play, updated Feb 16, 2026 |
| Google Play rating | 3.4 of 5 from 671 ratings, 100K+ installs, as of Oct 2, 2026 | Google Play, updated Feb 16, 2026 |
On ₱5,000 for 120 days, Cash Mart's published terms come to at most ₱343 in interest and fees: Cash Mart states a combined interest-and-fees rate of 1.7% a month, which works out to an all-in cost of 2.7% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time. Cash Mart on Google Play, updated Feb 16, 2026
Working: 20.86% a year × 120/365 days × ₱5,000 = ₱343 (interest and fees). The all-in rate is the monthly rate at which 4 payments of ₱1,336 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: no separate interest rate to test against the 6% cap; all-in 2.7% a month against the 12% cap (SEC MC No. 14 s.2025, effective Apr 1, 2026). SEC MC No. 14 s.2025
Next: search the SEC list for the platform you use before you borrow.
Cash Mart interest rate and what you pay back
Maximum APR 20.86%; interest rate 0.80%.Its own example, ₱10,000 for 84 days
Interest Rate: 4.80% (₱480.00); Total payment: ₱10,480.00
- You pay back
- Up to ₱5,343
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱343
- All-in cost (EIR) a month, at most
- 2.7%
- Share of the loan
- 6.9%
Terms from Cash Mart's Google Play listing, updated Feb 16, 2026. The calculator gives the same ₱10,480 for Cash Mart's own example. Documentary stamp tax on a ₱5,000 loan for 120 days is about ₱12.33 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
Cash Mart Disclosure Statement, worked out: ₱5,000 for 120 days
Cash Mart must give you this statement in writing before the loan is made (RA 3765, the Truth in Lending Act, Sec. 4). These are the figures it should show at its published maximum; if yours differ, ask why before you accept.
| Figure | Inputs | Rule | Result |
|---|---|---|---|
| Amount financed | ₱5,000 borrowed, nothing taken off | RA 3765 Sec. 4(5) | ₱5,000 |
| Interest and fees (one combined rate) | 20.86% a year × 120/365 days × ₱5,000 | Cash Mart's published maximum | ₱343 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱343 |
| Simple annual rate | Cash Mart publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 20.86% |
| Late penalty, at most | 5% × ₱5,343 due | SEC MC No. 14 s.2025 Sec. 3 | ₱267 a month |
| All charges together, at most | 100% × ₱5,000 | SEC MC No. 14 s.2025 Sec. 3 | ₱5,000 |
| Documentary stamp tax on the loan | ⌈₱5,000 ÷ ₱200⌉ × ₱1.50 × 120/365 | NIRC Sec. 179, as amended by RA 10963 | ₱12.33 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱343, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱686 |
Should you borrow from Cash Mart?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱43 less than Cash Mart's published maximum of ₱343.
Skip Cash Mart if
- you only borrow from apps the SEC list names: it records "Cashmart.ph (website)" for this company, not the app.
- you have no regular income: it asks for "stable income".
- you weigh user ratings: it has 3.4 of 5 from 671 Google Play ratings.
Cash Mart requirements, customer service and how to pay
- Requirements
- Aged 20 to 50; Filipino citizen; One government-issued ID; Stable income
- info@cashmart.ph
- Phone
- Not listed on its Google Play listing
- Pay through
- The channels shown in the app for your loan
As Cash Mart lists them on its Google Play listing, updated Feb 16, 2026. Use only these channels or the app itself. Source
If you cannot pay Cash Mart on time
If all ₱5,343 of a ₱5,000, 120-day Cash Mart loan fell due unpaid, the penalty could be at most ₱267 a month, and interest, fees and penalties together could never pass ₱5,000. Cash Mart Asia Lending Inc's collectors, and any agency it hires, may not post your details, threaten you, call before 6 a.m. or after 10 p.m., or message anyone in your contacts except the guarantors you named (SEC MC No. 18 s.2019).
Complain to Cash Mart first at info@cashmart.ph. If that fails, report Cash Mart Asia Lending Inc to the SEC on hotline 14732 or the iMessage portal, and report messages to your contacts to the National Privacy Commission at complaints@privacy.gov.ph. All eight prohibited collection practices.
This page covers Cash Mart's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Cash Mart first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Cash Mart
Who owns Cash Mart?
Cash Mart Asia Lending Inc (SEC Reg. No. CS201610084), per the SEC list dated Sep 29, 2026.
What is Cash Mart's interest rate?
Cash Mart states (Cash Mart's Google Play listing, updated Feb 16, 2026): "Maximum APR 20.86%; interest rate 0.80%." On ₱5,000 for 120 days: Cash Mart states a combined interest-and-fees rate of 1.7% a month, which works out to an all-in cost of 2.7% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Cash Mart?
Cash Mart lists (Cash Mart's Google Play listing, updated Feb 16, 2026): Aged 20 to 50; Filipino citizen; One government-issued ID; Stable income.
What is Cash Mart's customer service number or e-mail?
E-mail: info@cashmart.ph. As listed by Cash Mart (Cash Mart's Google Play listing, updated Feb 16, 2026).
Does Cash Mart call your contacts?
Cash Mart Asia Lending Inc may not contact anyone in your phone contacts except the guarantors or co-makers you named, even if you allowed access (SEC MC No. 18 s.2019, Sec. 1(h), issued Aug 19, 2019). Raise it with Cash Mart at info@cashmart.ph, then the SEC on 14732.
Cheaper than Cash Mart for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- Pocketcash (Elending): at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees)); lends ₱1,000 to ₱50,000.
- Vplus: at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 interest); lends ₱1,000 to ₱50,000.