Is Cashini legit?
Cashini is on the SEC list, but its published top rate is above the SEC caps on a ₱5,000, 120-day loan. It is run by AstraFund Lending Corp (SEC Reg. No. CS201915317, CA No. 3083). The SEC list dated Sep 29, 2026 records it as "Cashini". The company was formerly FLASH CASH 101 LENDING CORP (SEC list remarks). Being registered does not make every charge lawful: a charge above the caps can be reported to the SEC. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Cashini" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | AstraFund Lending Corp., CS201915317 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3083 (as printed by Cashini) | Google Play, updated Sep 9, 2026 |
| Price published | Yes: Monthly EIR 5% to 12%; maximum APR 60% to 144%. | Google Play, updated Sep 9, 2026 |
| Loan amount and term | ₱1,000 to ₱50,000, over 91 to 365 days | Google Play, updated Sep 9, 2026 |
| Google Play rating | 4.7 of 5 from 2,210 ratings, 50K+ installs, as of Oct 2, 2026 | Google Play, updated Sep 9, 2026 |
On ₱5,000 for 120 days, Cashini's published terms come to at most ₱2,400 in interest and fees (₱1,000 at its lowest published rate): Cashini states a combined interest-and-fees rate of 12% a month, which works out to an all-in cost of 17.8% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time. Cashini states a monthly EIR of 12%, counting its charges against the original amount; SEC MC No. 14 s.2025 Sec. 2(d) defines EIR as the rate that discounts the payments to the net proceeds, which over 4 payments gives 17.8%. Cashini on Google Play, updated Sep 9, 2026
Working: 144% a year × 120/360 days × ₱5,000 = ₱2,400 (interest and fees). The all-in rate is the monthly rate at which 4 payments of ₱1,850 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: no separate interest rate to test against the 6% cap; all-in 17.8% a month against the 12% cap (above it) (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 Cashini with the other recorded apps, or get it from its official Google Play listing.
Cashini interest rate and what you pay back
Monthly EIR 5% to 12%; maximum APR 60% to 144%.Its own example, ₱20,000 for 91 days
Interest Fee: ₱2,002; Service Fee: ₱2,851.33; Total Repayment Amount: ₱24,853.33
- You pay back
- ₱6,000 to ₱7,400
- Cash you receive
- ₱5,000
- Interest and fees
- ₱1,000 to ₱2,400
- All-in cost (EIR) a month, at most
- 17.8%
- Share of the loan
- 48%
Terms from Cashini's Google Play listing, updated Sep 9, 2026. The calculator gives the same ₱24,853 for Cashini'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
Cashini Disclosure Statement, worked out: ₱5,000 for 120 days
Cashini 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) | 144% a year × 120/360 days × ₱5,000 | Cashini's published maximum | ₱2,400 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱2,400 |
| Simple annual rate | Cashini publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 144% |
| Late penalty, at most | 5% × ₱7,400 due | SEC MC No. 14 s.2025 Sec. 3 | ₱370 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 × ₱2,400, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from Cashini?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱2,100 less than Cashini's published maximum of ₱2,400.
Choose Cashini if
- you want to spread payments over as long as 365 days.
- you need up to ₱50,000.
Skip Cashini if
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
- you have no regular income: it asks for "stable source of income".
Cashini requirements, customer service and how to pay
- Requirements
- Filipino citizen aged 18 or above; Valid government-issued ID; Stable source of income
- complaints@cashini.ph
- Phone
- 0917 128 8581 (customer service), 0917 126 3014 (complaints)
- Pay through
- The channels shown in the app for your loan
As Cashini lists them on its Google Play listing, updated Sep 9, 2026. Use only these channels or the app itself. Source
If you cannot pay Cashini on time
If all ₱7,400 of a ₱5,000, 120-day Cashini loan fell due unpaid, the penalty could be at most ₱370 a month, and interest, fees and penalties together could never pass ₱5,000. AstraFund Lending Corp'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 Cashini first at complaints@cashini.ph or 0917 126 3014 (complaints). If that fails, report AstraFund Lending Corp 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 AstraFund Lending Corp
AstraFund Lending Corp 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.
- Surelo listed as "Surelo"
This page covers Cashini's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Cashini first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Cashini
Who owns Cashini?
AstraFund Lending Corp (SEC Reg. No. CS201915317), which also runs Surelo, per the SEC list dated Sep 29, 2026.
What is Cashini's interest rate?
Cashini states (Cashini's Google Play listing, updated Sep 9, 2026): "Monthly EIR 5% to 12%; maximum APR 60% to 144%." On ₱5,000 for 120 days: Cashini states a combined interest-and-fees rate of 12% a month, which works out to an all-in cost of 17.8% 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 Cashini?
Cashini lists (Cashini's Google Play listing, updated Sep 9, 2026): Filipino citizen aged 18 or above; Valid government-issued ID; Stable source of income.
What is Cashini's customer service number or e-mail?
Phone: 0917 128 8581 (customer service), 0917 126 3014 (complaints). E-mail: complaints@cashini.ph. As listed by Cashini (Cashini's Google Play listing, updated Sep 9, 2026).
Does Cashini call your contacts?
AstraFund Lending Corp 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 Cashini at complaints@cashini.ph, then the SEC on 14732.
Cheaper than Cashini 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.