Is Cashmum legit?
Yes. Cashmum is on the SEC list of recorded online lending platforms. It is run by Cashmum Lending Investors Corp (SEC Reg. No. CS202102336, CA No. 3413). The SEC list dated Sep 29, 2026 records it as "Cashmum". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Cashmum" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Cashmum Lending Investors Corp., CS202102336 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3413 (as printed by Cashmum) | Google Play, updated Nov 10, 2025 |
| Price published | Yes: Interest from 3.5% up to 25% a year (APR), including all interest and processing fees. | Google Play, updated Nov 10, 2025 |
| Loan amount and term | ₱2,000 to ₱25,000, over Up to 180 days | Google Play, updated Nov 10, 2025 |
| Google Play rating | 1.9 of 5 from 903 ratings, 100K+ installs, as of Oct 2, 2026 | Google Play, updated Nov 10, 2025 |
On ₱5,000 for 120 days, Cashmum's published terms come to at most ₱411 in interest and fees (₱58 at its lowest published rate): Cashmum states a combined interest-and-fees rate of 2.1% a month, which works out to an all-in cost of 3.2% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time. Cashmum on Google Play, updated Nov 10, 2025
Working: 25% a year × 120/365 days × ₱5,000 = ₱411 (interest and fees). The all-in rate is the monthly rate at which 4 payments of ₱1,353 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 3.2% 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 Cashmum with the other recorded apps, or get it from its official Google Play listing.
Cashmum interest rate and what you pay back
Interest from 3.5% up to 25% a year (APR), including all interest and processing fees.
- You pay back
- ₱5,058 to ₱5,411
- Cash you receive
- ₱5,000
- Interest and fees
- ₱58 to ₱411
- All-in cost (EIR) a month, at most
- 3.2%
- Share of the loan
- 8.2%
Terms from Cashmum's Google Play listing, updated Nov 10, 2025. 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
Cashmum Disclosure Statement, worked out: ₱5,000 for 120 days
Cashmum 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) | 25% a year × 120/365 days × ₱5,000 | Cashmum's published maximum | ₱411 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱411 |
| Simple annual rate | Cashmum publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 25% |
| Late penalty, at most | 5% × ₱5,411 due | SEC MC No. 14 s.2025 Sec. 3 | ₱271 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 × ₱411, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱822 |
Should you borrow from Cashmum?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱111 less than Cashmum's published maximum of ₱411.
Choose Cashmum if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
Skip Cashmum if
- you weigh user ratings: it has 1.9 of 5 from 903 Google Play ratings.
Cashmum requirements, customer service and how to pay
- Requirements
- Aged 22 to 55; Valid ID; Bank card
- cs@cashmum.ph, cashmumlendingapp@gmail.com
- Phone
- Not listed on its Google Play listing
- Pay through
- 7-Eleven, Payment Center, Cebuana Lhuillier, GCash, Maya, SM Dept Store, Supermarket and Savemore payment counters
As Cashmum lists them on its Google Play listing, updated Nov 10, 2025. Use only these channels or the app itself. Source
If you cannot pay Cashmum on time
If all ₱5,411 of a ₱5,000, 120-day Cashmum loan fell due unpaid, the penalty could be at most ₱271 a month, and interest, fees and penalties together could never pass ₱5,000. Cashmum Lending Investors 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 Cashmum first at cs@cashmum.ph or cashmumlendingapp@gmail.com. If that fails, report Cashmum Lending Investors 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.
This page covers Cashmum's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Cashmum first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Cashmum
Who owns Cashmum?
Cashmum Lending Investors Corp (SEC Reg. No. CS202102336), per the SEC list dated Sep 29, 2026.
What is Cashmum's interest rate?
Cashmum states (Cashmum's Google Play listing, updated Nov 10, 2025): "Interest from 3.5% up to 25% a year (APR), including all interest and processing fees." On ₱5,000 for 120 days: Cashmum states a combined interest-and-fees rate of 2.1% a month, which works out to an all-in cost of 3.2% 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 Cashmum?
Cashmum lists (Cashmum's Google Play listing, updated Nov 10, 2025): Aged 22 to 55; Valid ID; Bank card.
What is Cashmum's customer service number or e-mail?
E-mail: cs@cashmum.ph, cashmumlendingapp@gmail.com. As listed by Cashmum (Cashmum's Google Play listing, updated Nov 10, 2025).
How do I pay my Cashmum loan?
Cashmum lists these channels (Cashmum's Google Play listing, updated Nov 10, 2025): 7-Eleven, Payment Center, Cebuana Lhuillier, GCash, Maya, SM Dept Store, Supermarket and Savemore payment counters. 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 Cashmum call your contacts?
Cashmum Lending Investors 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 Cashmum at cs@cashmum.ph, then the SEC on 14732.
Cheaper than Cashmum 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.