Is Cashify legit?
Yes. Cashify is on the SEC list of recorded online lending platforms. It is run by SunLoan Lending Investors Corporation (SEC Reg. No. CS201900565, CA No. 2872). The SEC list dated Sep 29, 2026 records it as "Cashify". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Cashify" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | SunLoan Lending Investors Corporation, CS201900565 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 2872 (as printed by Cashify) | Google Play, updated Sep 23, 2026 |
| Price published | Yes: Maximum APR 30%; transaction fee 0; one-time sign fee and service fee 0% to 16%. | Google Play, updated Sep 23, 2026 |
| Loan amount and term | ₱1,000 to ₱50,000, over 91 to 180 days | Google Play, updated Sep 23, 2026 |
| Google Play rating | 4.5 of 5 from 68,241 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated Sep 23, 2026 |
On ₱5,000 for 120 days, Cashify's published terms come to at most ₱1,293 in interest and fees: interest of 2.47% a month and an all-in cost of 9.9% 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. Cashify on Google Play, updated Sep 23, 2026
Working: 30% a year × 120/365 days × ₱5,000 = ₱493 interest; service fee 16% × ₱5,000 = ₱800. The all-in rate is the monthly rate at which 4 payments of ₱1,573 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 2.47% a month against the 6% cap; all-in 9.9% a month against the 12% cap (SEC MC No. 14 s.2025, effective Apr 1, 2026). SEC MC No. 14 s.2025
Next: check the worked Disclosure Statement below, then compare Cashify with the other recorded apps, or get it from its official Google Play listing.
Cashify interest rate and what you pay back
Maximum APR 30%; transaction fee 0; one-time sign fee and service fee 0% to 16%.Its own example, ₱10,000 for 91 days
Total repayment : ₱10000*12%/365*91+10000+1000=₱ 11299.17
- You pay back
- Up to ₱6,293
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱1,293
- Interest a month, at most
- 2.47%
- All-in cost (EIR) a month, at most
- 9.9%
- Share of the loan
- 25.9%
Terms from Cashify's Google Play listing, updated Sep 23, 2026. The calculator gives the same ₱11,299 for Cashify'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
Cashify Disclosure Statement, worked out: ₱5,000 for 120 days
Cashify 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 | 30% a year × 120/365 days × ₱5,000 | Cashify's published maximum | ₱493 |
| Service fee | 16% × ₱5,000, added to repayment | Part of the finance charge, RA 3765 Sec. 3(3) | ₱800 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱1,293 |
| Simple annual rate | Cashify publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 30% |
| Late penalty, at most | 5% × ₱6,293 due | SEC MC No. 14 s.2025 Sec. 3 | ₱315 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 × ₱1,293, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from Cashify?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱993 less than Cashify's published maximum of ₱1,293.
Choose Cashify if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you need up to ₱50,000.
Skip Cashify if
- you have no regular income: it asks for "stable income".
Cashify requirements, customer service and how to pay
- Requirements
- 18 years old or above; Filipino citizen; One government-issued ID; Stable income
- cs@cashifyapp.ph
- Phone
- Not listed on its Google Play listing
- Pay through
- The channels shown in the app for your loan
As Cashify lists them on its Google Play listing, updated Sep 23, 2026. Use only these channels or the app itself. Source
If you cannot pay Cashify on time
If all ₱6,293 of a ₱5,000, 120-day Cashify loan fell due unpaid, the penalty could be at most ₱315 a month, and interest, fees and penalties together could never pass ₱5,000. SunLoan Lending Investors Corporation'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 Cashify first at cs@cashifyapp.ph. If that fails, report SunLoan Lending Investors Corporation 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.
Other apps from SunLoan Lending Investors Corporation
SunLoan Lending Investors Corporation runs 2 apps on the SEC list. They share one SEC registration and one Certificate of Authority, so a complaint about any of them goes against the same company.
- Finhawa listed as "Finhawa"
This page covers Cashify's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Cashify first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Cashify
Who owns Cashify?
SunLoan Lending Investors Corporation (SEC Reg. No. CS201900565), which also runs Finhawa, per the SEC list dated Sep 29, 2026.
What is Cashify's interest rate?
Cashify states (Cashify's Google Play listing, updated Sep 23, 2026): "Maximum APR 30%; transaction fee 0; one-time sign fee and service fee 0% to 16%." On ₱5,000 for 120 days: interest of 2.47% a month and an all-in cost of 9.9% 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 Cashify?
Cashify lists (Cashify's Google Play listing, updated Sep 23, 2026): 18 years old or above; Filipino citizen; One government-issued ID; Stable income.
What is Cashify's customer service number or e-mail?
E-mail: cs@cashifyapp.ph. As listed by Cashify (Cashify's Google Play listing, updated Sep 23, 2026).
Does Cashify call your contacts?
SunLoan Lending Investors Corporation 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 Cashify at cs@cashifyapp.ph, then the SEC on 14732.
Cheaper than Cashify 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.