Is Cashbee legit?
Cashbee Lending Services Inc is SEC registered, but the Cashbee app is not on the SEC list by name. The SEC list dated Sep 29, 2026 records only its website, "Cashbee.ph". The company holds SEC Reg. No. CS201912321, CA No. 3041. Borrow through the recorded website, or ask the SEC whether the app is covered. The SEC lifted an order of revocation against the company (FinLenD Order No. 2025-22). 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, "Cashbee.ph"; the app is not named | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Cashbee Lending Services Inc., CS201912321 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3041 (as printed by Cashbee) | Google Play, updated Apr 24, 2026 |
| Price published | Yes: Maximum APR 15% to 20%; one-time service fee 15% to 20%; transaction fee ₱0 to ₱150. | Google Play, updated Apr 24, 2026 |
| Loan amount and term | ₱2,000 to ₱20,000, over 90 to 120 days | Google Play, updated Apr 24, 2026 |
| Google Play rating | 3.1 of 5 from 6,389 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated Apr 24, 2026 |
On ₱5,000 for 120 days, Cashbee's published terms come to at most ₱1,329 in interest and fees (₱997 at its lowest published rate): interest of 1.64% a month and an all-in cost of 10.1% a month, higher because its service fee is added on top, and you repay in instalments but pay interest on the original amount the whole time. Cashbee on Google Play, updated Apr 24, 2026
Working: 20% a year × 120/365 days × ₱5,000 = ₱329 interest; service fee 20% × ₱5,000 = ₱1,000. The all-in rate is the monthly rate at which 4 payments of ₱1,582 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 1.64% a month against the 6% cap; all-in 10.1% 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.
Cashbee interest rate and what you pay back
Maximum APR 15% to 20%; one-time service fee 15% to 20%; transaction fee ₱0 to ₱150.Its own example, ₱5,000 for 90 days
Total repayment: 5,000+184.93+750 = Php 5,934.93
- You pay back
- ₱5,997 to ₱6,329
- Cash you receive
- ₱5,000
- Interest and fees
- ₱997 to ₱1,329
- Interest a month, at most
- 1.64%
- All-in cost (EIR) a month, at most
- 10.1%
- Share of the loan
- 26.6%
Terms from Cashbee's Google Play listing, updated Apr 24, 2026. The calculator gives the same ₱5,935 for Cashbee'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
Cashbee Disclosure Statement, worked out: ₱5,000 for 120 days
Cashbee 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 | 20% a year × 120/365 days × ₱5,000 | Cashbee's published maximum | ₱329 |
| Service fee | 20% × ₱5,000, added to repayment | Part of the finance charge, RA 3765 Sec. 3(3) | ₱1,000 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱1,329 |
| Simple annual rate | Cashbee publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 20% |
| Late penalty, at most | 5% × ₱6,329 due | SEC MC No. 14 s.2025 Sec. 3 | ₱316 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 × ₱1,329, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from Cashbee?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱1,029 less than Cashbee's published maximum of ₱1,329.
Skip Cashbee if
- you only borrow from apps the SEC list names: it records "Cashbee.ph" for this company, not the app.
- you need more than 120 days to repay.
- you weigh user ratings: it has 3.1 of 5 from 6,389 Google Play ratings.
Cashbee requirements, customer service and how to pay
- Requirements
- The CashBee Ph app; One valid ID
- In its words
Requirements: 1. CashBee Ph App 2. One (1) Valid ID
- info@cashbee.ph
- Phone
- Not listed on its Google Play listing
- Pay through
- GCash (Pay Bills, SKYPAY), 7-Eleven, RD Pawnshop, M Lhuillier
As Cashbee lists them on its Google Play listing, updated Apr 24, 2026. Use only these channels or the app itself. Source
If you cannot pay Cashbee on time
If all ₱6,329 of a ₱5,000, 120-day Cashbee loan fell due unpaid, the penalty could be at most ₱316 a month, and interest, fees and penalties together could never pass ₱5,000. Cashbee Lending Services 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 Cashbee first at info@cashbee.ph. If that fails, report Cashbee Lending Services 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 Cashbee's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Cashbee first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Cashbee
Who owns Cashbee?
Cashbee Lending Services Inc (SEC Reg. No. CS201912321), per the SEC list dated Sep 29, 2026.
What is Cashbee's interest rate?
Cashbee states (Cashbee's Google Play listing, updated Apr 24, 2026): "Maximum APR 15% to 20%; one-time service fee 15% to 20%; transaction fee ₱0 to ₱150." On ₱5,000 for 120 days: interest of 1.64% a month and an all-in cost of 10.1% a month, higher because its service fee is added on top, and you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Cashbee?
Cashbee lists (Cashbee's Google Play listing, updated Apr 24, 2026): The CashBee Ph app; One valid ID.
What is Cashbee's customer service number or e-mail?
E-mail: info@cashbee.ph. As listed by Cashbee (Cashbee's Google Play listing, updated Apr 24, 2026).
How do I pay my Cashbee loan?
Cashbee lists these channels (Cashbee's Google Play listing, updated Apr 24, 2026): GCash (Pay Bills, SKYPAY), 7-Eleven, RD Pawnshop, M Lhuillier. You should get a payment reference or receipt in the app; if none appears, the payment has not posted, so keep your proof of payment.
Does Cashbee call your contacts?
Cashbee Lending Services 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 Cashbee at info@cashbee.ph, then the SEC on 14732.
Cheaper than Cashbee 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.
- Pesos.ph: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,500 to ₱50,000.