Cashaya review is the first thing Filipino borrowers look for before hitting that “Apply” button, especially with the rise of online lending apps (OLA) in the Philippines. With so many platforms promising quick cash but delivering high-pressure collection tactics, knowing whether Cashaya is a safe haven or a debt trap is crucial for your financial peace of mind.
What is Cashaya Loan App?
Cashaya is a mobile-based lending platform operating in the Philippines. It targets underbanked Filipinos who need immediate liquidity for emergencies, bills, or small business capital. It functions entirely online, meaning from registration to disbursement via GCash or Maya, no physical appearance is required.
Quick Summary: Cashaya App Features & Legitimacy
| Feature | Details |
| App Name | Cashaya |
| Operating Company | G.A. OROBIA LENDING CORP |
| SEC Registration No. | CS201911568 |
| Certificate of Authority | No. 3035 |
| Loan Amount | ₱2,000 – ₱30,000 (Initial limit is usually low) |
| Loan Term | 91 to 180 days (May vary based on credit score) |
| Daily Interest Rate | 0.1% – 0.5% (Excluding service fees) |
| Service Fee | 10% – 25% (Deducted upfront or added to total) |
| Disbursement Time | 5 minutes to 24 hours |
| Payout Methods | GCash, Maya, Bank Transfer, MLhuillier |
| Target Audience | Filipino citizens, 18-60 years old |
| Primary ID Required | UMID, SSS, Driver’s License, Passport, PRC |
| Harassment Level | Reported high on Reddit/FB for late payments |
Is Cashaya SEC Registered?
The most critical question for any borrower is the legal standing of the app. In the Philippines, the Securities and Exchange Commission (SEC) mandates all lending companies to have a Certificate of Authority (CA).
Cashaya is operated by G.A. OROBIA LENDING CORP. According to official records, this entity is a sec registered lending company with the following credentials:
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SEC Registration No.: CS201911568
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Certificate of Authority (CA) No.: 3035
Note: Being SEC-registered means they are a legal entity, but it does not automatically mean every user will have a seamless experience. It simply means they are subject to Philippine lending laws and NPC (National Privacy Commission) privacy guidelines.
Cashaya Loan Interest Rate, Fees, and Terms
Understanding the cost of borrowing is where most Cashaya complaints originate. Like most OLAs, the “daily interest” might look small, but the aggregate fees can be high.
Interest Calculation Example
If you borrow ₱5,000 for a period of 30 days:
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Service Fee: Often deducted upfront (e.g., 10-15%).
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Daily Interest: Approximately 0.1% to 0.5% depending on your credit profile risk assessment.
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Total Repayment: Principal + Interest + Process Fees.
| Loan Feature | Details |
| Loan Amount | ₱2,000 to ₱30,000 (Higher for repeat borrowers) |
| Loan Term | 91 days to 180 days (Note: First-time limit is often shorter) |
| Disbursement Channels | GCash, Maya, Bank Transfer, MLhuillier |
| Repayment Channels | 7-Eleven, GCash, PayMaya, ECash |
How to Apply: Cashaya Requirements & Process
Applying for a Cashaya loan app product is intentionally streamlined to cater to the underbanked population. Unlike traditional banks that require thick folders of documents, Cashaya focuses on digital verification.
Eligibility Criteria
To be eligible for a loan, you must meet these basic Cashaya requirements:
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Citizenship: Must be a Filipino citizen residing in the Philippines.
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Age: Between 18 and 60 years old.
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Documentation: At least one valid government-issued ID (UMID, SSS, Driver’s License, Passport, or PRC ID).
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Connectivity: A working smartphone with an active Philippine mobile number.
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Financial Account: A valid bank account or a verified e-wallet (GCash/Maya) for disbursement.
Step-by-Step Application Process
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Download and Install: Get the app from the Google Play Store.
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Register: Sign up using your active mobile number.
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Fill Out Information: Complete the personal details form, including your employment status and monthly income.
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Identity Verification: Upload a clear photo of your ID and perform a real-time facial recognition scan (Liveness check).
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Submit for Review: Once submitted, the app’s algorithm will perform a credit profile risk assessment.
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Receive Funds: If approved, the loan amount is typically disbursed to your chosen account within minutes to 24 hours.
Cashaya Harassment Review: The Truth Behind Complaints
Dealing with a Cashaya loan app can be a double-edged sword. While the convenience of instant cash is tempting, the fear of aggressive collection practices is a common concern among Filipino borrowers. Solving the mystery of whether Cashaya is a legal loan app or a “harassment app” requires looking at real user experiences and SEC guidelines.
Common Cashaya Complaints on Reddit & Social Media
If you browse through Reddit r/Philippines or various Facebook groups dedicated to “OLA Victims,” you will find a recurring pattern in Cashaya review complaints. The most frequent issues reported by users include:
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Excessive Calling: Borrowers often report receiving 10 to 20 calls a day starting as early as 7:00 AM if a payment is missed.
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Contact List Access: Some users claim that agents have contacted their emergency contacts or even people not listed in their references, which is a significant privacy concern under the NPC (National Privacy Commission) rules.
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Aggressive Language: While the app is legit and registered, third-party collection agencies sometimes use “shaming” tactics or unprofessional language in SMS reminders.
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Hidden Fees: Complaints about the difference between the “approved amount” and the “actual disbursed amount” due to high service fees are very common.
How Cashaya Handles Collections
As an SEC-registered entity under G.A. OROBIA LENDING CORP, Cashaya is legally required to follow SEC Memorandum Circular No. 18, which prohibits unfair debt collection practices. However, the reality of how Cashaya handles collections often follows a multi-stage process:
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The Grace Period: You will receive friendly SMS and app notifications 1-2 days before the due date.
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The Due Date: Intensive calling begins. If you do not answer, agents may start calling your designated emergency contacts.
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The Escalation: If the loan remains unpaid for over 3-7 days, the account is often handed over to a third-party collection agency. This is where most Cashaya harassment review reports stem from, as these agencies are often more aggressive in their pursuit.
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Legal Warning: You may receive formal-looking “demand letters” via email or text. Note that in the Philippines, you cannot be jailed for non-payment of debt (unless fraud is involved), but it will severely damage your credit profile.
Pro Tip: To avoid harassment, always communicate with their customer support before your due date if you cannot pay. Repaying through verified channels like GCash or Maya ensures your payment is recorded instantly.
Cashaya Sister Company and Alternatives
Many borrowers look for a Cashaya sister company to see if they can get another loan or if they have had bad experiences elsewhere. Cashaya is often associated with other apps managed by G.A. Orobia or similar lending networks. It is common for these apps to share the same credit scoring engine.
If Cashaya doesn’t suit you, consider other SEC-regulated alternatives like Tala, Billease, or JuanHand.
Contact Number, Website, and Support
To avoid scams, only use official channels to communicate with Cashaya.
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Official Website: Accessible via the app listing.
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Customer Service Email: [email protected]
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Contact Number: Found within the “Help” section of the app.
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Office Address: Makati City, Metro Manila.
Be careful of people on Facebook claiming to be “Cashaya Agents” who offer to “reset” your debt for a fee. These are scammers. Always pay through the official app generated reference numbers.
Frequently Asked Questions (FAQ)
Is Cashaya Legit or Scam?
Cashaya is a legit lending application operated by G.A. OROBIA LENDING CORP. It is fully registered with the SEC. However, like any credit product, it carries high interest rates and strict collection policies.
How to contact Cashaya customer service?
The contact number and official website are usually found within the app’s “Help Center.” It is recommended to communicate only through the app or their verified email address to avoid phishing scams.
Does Cashaya report to the Credit Bureau?
Yes, as a regulated lending company, they may report your payment behavior to the Credit Information Corporation (CIC). Consistent late payments can ruin your credit profile for future bank loans.
What happens if I don’t pay Cashaya?
Expect late payment penalties and constant follow-ups from their collection team. If the debt remains unpaid, it may be endorsed to a third-party collection agency, which often leads to the Cashaya harassment review scenarios mentioned by other users.
Final Verdict: Should You Use Cashaya?
If you are in a tight spot and need quick cash for a few days, Cashaya is a legal option. However, due to the high service fees and the risk of aggressive collection calls, it should only be used as a last resort. Always read the disclosure statement before e-signing the loan agreement.
⚠️ Financial Disclosure: This app is reviewed for informational purposes. Before applying, always verify its SEC Registration and Certificate of Authority. Be mindful of the Effective Interest Rate (EIR), Processing fees, and Service fees. Borrow responsibly to avoid high penalties and debt traps.
I recently tried the app and experienced a very fast disbursement. I got my ₱3,000 in less than an hour! However, the service fee was quite high. Only ₱2,400 actually arrived in my Maya account. Is there any way to lower these upfront charges for repeat borrowers?
Thanks for sharing, Liza! Unfortunately, high service fees are standard for most OLAs in the PH. Usually, the “loyalty” benefits only increase your loan limit, not necessarily lower the fees. Always calculate the “actual amount received” versus the “total repayment” before clicking apply!
Why is the Cashaya loan interest rate so confusing? The app says 0.1% daily, but when I compute the total, it feels like I’m paying double after two weeks. I’ve seen similar issues on Reddit posts. Is there a more transparent alternative for small business owners?
Great question, Jun-Jun! The 0.1% is just the nominal interest. The “real cost” includes the processing fees you paid upfront. For small businesses, you might want to look into SEC-registered apps like Billease or Tala, which often offer more transparent installment terms.
I was hesitant because of the Cashaya harassment review reports I saw on Facebook. But I really needed cash for my baby’s milk. If I pay 3 days early, will they still call my contacts? I just want a peaceful transaction without being treated like a criminal.
Hi Elena! In my experience reviewing these apps, paying early is the best way to stay “under the radar.” Most automated systems won’t trigger collection calls if the balance is zero. Just ensure you pay via verified channels (7-Eleven or GCash) to get instant clearance.