Cash Mart

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ADVISORY

Join over 30,000 happy customers who have experienced personal loans the Cash Mart way. Your online lending partner ANYTIME and ANYWHERE

Quick Comprehensive Guide for Personal Loan

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Select your payment schedule:

Principal Payment Interest
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How To Qualify For Our Personal Loan in Philippines

For Salaried and Commission-based Employees

  • Government Issued ID
  • Latest One-Month Pay-slip
  • Latest Proof of Billing

For Self Employed

  • Government Issued ID
  • Latest One-Month Pay-slip/Bank Statement
  • Latest Proof of Billing

For Taxi/Grab Drivers

  • Government ID
  • Latest One-Month Statement of Account
  • Latest Proof of Billing

Quick Loan in 3 Steps

Affordable online loan in the Philippines with flexible repayment terms.

STEP
01

Fill up our simple enquiry form here.
We will get in touch with you within
1 working day.

STEP
02

Our loan executives will verify your eligibility and documents. Learn
more here.

STEP
03

Sign the contract and expert your
cash disbursement.

STEP
01

Fill up our simple inquiry form here.
We will get in touch with you within
1 working day.

STEP
02

Our loan executives will verify your eligibility and documents. Learn
more here.

STEP
03

Sign the contract and expert your
cash disbursement.

What Our Customers Saying

Ching -
reviewed Cashmart Philippines

Cash mart didn’t give me hard time applying for a loan. They’re very responsive. Only took 2 days guys!!! Thumbs up cashmart ! You’re amazing!

Jazzmina -
reviewed Cashmart Philippines

i like how cashmart make transactions fast.very reliable and convenient. at times that I really need a fast cash.. cashmart is at my back.. very dependable it helps me to pay my hospital bills.

Lap -
reviewed Cashmart Philippines

First time to applied for an online loan and cashmart provided an “EXCELLENT CUSTOMER SERVICE EXPERIENCED”!!! “THANK YOU SO MUCH” commendation for all of you folks and I will recommend cashmart to all of my friend and I myself walk them thru on how they can apply.

Kim -
reviewed Cashmart Philippines

Cashmart is very responsive and timely in processing my application. Your company is really awesome and highly recommended for those peeps looking for loans. Their reps are so approachable from documentation officer to the verification team. Thank you cashmart.

Julie -
reviewed Cashmart Philippines

reliable when you need fast cash, easy online application

Queenilyn -
reviewed Cashmart Philippines

Tried applying for cashmart and got an excellent service. Even though i got many questions (this is understandable in loan industry), loan was approved. Will recommend cashmart to my friends!

Here Are Few Good Reasons Why We Filipinos Take Personal Loans

Medical

Numerous personal loans are flexible when it comes to uses. Here in the Philippines, a lot of people do not have a health card aside from PhilHealth, and this health care system is very limited. Thus, when Filipinos feel sick they will not see a physician unless they can no longer walk by themselves. Medical expenses can have ceiling prices, and most of the time, we have to get a loan to pay it off.

Payday

Payday or salary loans are the answer to the prayers of those who can’t get cash advance from their companies. You can use this personal loan to buy your necessities such as food and pay off your astounding utilities you had no idea how it had sky rocketed. Most of us do budgeting, yet we also know it is more likely not to be followed if we don’t put in some allowances in our expenses. Prices in our country can fluctuate without any warnings, and if you need that extra cash to stretch your salary, then a payday loan is a brilliant idea.

Holiday

Certain online loan companies give a specific personal loan for trips, yet most of the lenders are likely to suggest their general personal loan if you want to use your cash for a once in a lifetime getaway. Most young people are now into travelling more than collecting gadgets. As you open your Facebook, you can see friends and relatives going to beaches, hiking, or flying abroad to spend the holiday.

Wedding

Wedding loans are personal loans specially created to pay off the wedding bills. A lot of couples are now willing to stretch their budget and even spend a little more just to get the perfect wedding.

Renovations

House loan is a particular loan a lot of people use to fix their houses or have an extension. Some Filipinos even had their house foundations and floorings higher to prevent flood from getting in their homes during rainy seasons.

Debt Consolidation

When you have a couple of debts and you are having a hard a time keeping track on each one’s repayment schedule and amount, then consolidating may be a good idea. With the use of personal loans, you can combine other loans so save up on the interest rate and just pay once a month regularly instead of paying a couple of loans on different schedule. Yet, since you have alighted your burden a little, make sure you won’t slip back to bad spending habits.

Furniture and appliances

Since personal loans are mostly flexible, you can use it anyway you want, including purchasing furniture and appliances for your home. Most Bumbay offers their appliances to be paid on a daily installment.

What Is A Secured Loan?

Secured loans have lower interest rates since it offers less risk for the lenders. This means that you have to use an asset such as a house, a land title, a car or other valuables to get a loan, which the lender can possess and sell in case you fail to repay. Since most lenders can get their money other through repayments or your properties, this loans can easily approved, provided that you have complete requirements and you are eligible.

What Is An Unsecured Loan?

There is no need to have as asset when you get an unsecured loans, though its interest rate can be a bit higher, lending companies still offer competitive rates. If you are building your credit score, some lenders offer personal loans to those with low credit ratings. If you are able to pay diligently, then it will help you nurse your credit score back to health. However, if you fail to pay after a couple of notices, the lender will be forced to file legal actions against you. Cash Mart Philippines’ car loans, salary loans, and OFW loans can be qualified as unsecured loans.

Personal Loans According To Rates

Fixed personal loans

The rate is constant in over the life of your personal loan. It does not change despite the changes in the economy. You can easily budget your monthly finances, however, it can cost higher interest rate and may charge you for prepayments. Prepayment is paying more ahead of your repayment scheme. If your repayment scheme is to pay P4,000 this month, then you can’t pay P5,000 to finish the loan quickly. Not all lenders do this, make sure you get this clear with your loan provider.

Variable rate personal loans

These fast cash loans can change rate at any time during the term. It has lower rates, however, it can get higher over time, making it hard to budget your payments.

How to Choose a Personal Loan

Look for a low interest personal loan with the least minimal range. This means borrow the least you can to avoid being tempted to get the amount you cannot afford to pay. Check if early repayment is charged. Know the amount of penalty the lender gives late repayment. Use a personal loan calculator to see your expected repayment so you can easily see the impact it has on your monthly or bi-weekly budget. Check if there are extra charges aside from the interest rate and processing fee. Also choose the of repayment scheme which easily make repayments at ease. It can be weekly, fortnightly, monthly or an agreed date.

You can use your personal loan to take a grand vacation, buy the signature bag you have always wanted, purchase a wedding ring for that grand day, build a startup business, treat your family on a special occasion, spend it in your baby’s christening, and the list can go on. There is no need to sacrifice much on your lifestyle if you are in need of fast cash loans. You can easily apply online through the Cash Mart portal and calculate your personal loan. Then you can call Cash Mart and inquire if you have any further questions. As long as you have all the proper documents, you can get your cash on the same day of application and your repayment will be according to your personalized payment schedule

Our team is ready to assist you anytime you make an enquiry, and to keep our services at its best, be make sure to put up high standards, and this includes keeping your personal information secured. Cash Mart will not divulge any information to any other individual or other businesses. If you want to learn more on how we can help you, do not hesitate to contact us online.

While banks also offer personal loans, it is no secret that they have very strict regulations. They also require a long list of requirements many Filipinos have a hard time to provide. Due to this list of requirements, it takes days or even weeks before the bank can approve the loan. On the other hand, Cash Mart offers personal loans with fewer requirements for validation. What’s more good about it is that you don’t need to go to Cash Mart’s office to receive your cash which can be disbursed in just a few hours after your online application – straight to your personal bank account.

Loan Product Introduction

Compliant With R.A. 3765, TRUTH OF LENDING ACT

Age Limit: 21 to 50 years old

Loan Amount: ₱3,000 to ₱30,000

Loan Term: Weekly (due date every 7 days), Bi-weekly (due date every 14 days), and Monthly (due date every 28 days),

Processing Fee: 10% of the principal loan amount

Interest Rate: 0.0571 % per day (APR: 20.8415%).

Shown below is an example of calculation:

If the loan is Php 5,000 and the client chose the term of 1 bi-weekly (payment due date is every 14 days), the interest per day is 0.0571%, with the APR being 20.8415%. The company lends money to its borrowers based on the agreed and signed loan contract valid till December 31 2020. The customer can receive a loan for an unlimited period called reloan provided that payments are submitted every two weeks or as agreed in the loan contract. The financial liability of the Credit User in case of failing to meet an obligation towards the financial partner has been made clear during the verification call as stated in the loan contract.

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