So nakita ko itong Cash Express — and to be honest, I got curious. It’s not even an app. Yup, no app at all! You have to go through their website (https://cashex.ph/) to apply.
I actually made a video about it before, but since ang daming nagtatanong lately, I decided to give it another shot and see if it’s really as easy (and as “0% interest”) as they claim.
🎥 Watch my full review here:
The Application Process
What surprised me first was how simple it was. No app downloads, no references, no payslips, no awkward selfies holding your ID with a barangay tanod in the background 😅 — just one valid ID and your phone number linked to GCash.
Here’s how it works:
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Go to their website and fill out your personal details.
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Upload one valid ID.
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Choose where you want the cash to be sent — GCash or bank.
After that, you’ll get a text or email confirmation. In some cases, the approval comes really fast — like within the hour. Then boom, the cash reflects right into your GCash.
The First Loan Deal
Now, here’s what caught my attention — your first loan comes with 0% interest if you repay within 7 days.
Not bad, right? Perfect for those short-term emergencies like bills due tomorrow or a quick medical expense.
But (and this is a big BUT)… if you go beyond that 7-day window, interest shoots up to 1.99% per day. 😬 That’s roughly 14% per week, so you really need to repay on time or you’ll end up paying a lot more than you borrowed.
Pros and Cons of Using Cash Express
✅ PROS:
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Fast approval (sometimes less than an hour!)
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No references or payslips required
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Only 1 valid ID needed
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0% interest on your first loan
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GCash disbursement — instant and convenient
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Customer service is reachable and responsive
⚠️ CONS:
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Super high interest after 7 days (1.99% per day)
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No mobile app — everything’s done on the website
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Short repayment period (7 days is really tight)
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Limited transparency on total fees early in the process
Why People Still Use It
You might wonder, “Eh kung ganun kataas ang interest, bakit may gumagamit pa rin nito?”
Simple — accessibility.
For many Filipinos without payslips or formal proof of income, Cash Express can be a quick lifesaver. If your salary’s coming in tomorrow but the bill is due today, it can literally save the day — as long as you’re disciplined enough to pay it back on time.
My Honest Take
For me, Cash Express is okay for one-time, short-term use. It’s fast, it works, and the 0% interest for your first loan is a good test run.
But for bigger or long-term needs, better look for options with lower interest rates and longer repayment terms. Quick cash can help — but it can also trap you if you lose track of your due date.
Final Thoughts
Fast? ✅
Convenient? ✅
Risky if you delay payment? Also ✅
So, Cash Express — fast loan or fast regret? That depends on you.
Have you tried it yourself? Drop your experience in the comments — legit ba or regret? 😅
And if you want to see my full video review, check it out here 👉 Cash Express: Fast Loan or Fast Regret? My Honest Review 💸 (0% Interest First Loan?!)
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