CASHTALK delivers fast, fair, and SEC-regulated digital lending for Filipinos. Apply in minutes, get funded the same day — no hidden charges, no surprises.
From emergency cash to your dream business — CASHTALK has a product built for every financial need.
Quick personal loans for life's unexpected moments — medical emergencies, school fees, home repairs, or everyday budget needs. Simple process, no collateral required.
Need cash right now? FlashLoan is the fastest way to get funded — no lengthy process, no waiting. Apply and receive money in your wallet or bank account instantly.
More than lending — your all-in-one digital wallet. Send money, pay bills, and track your spending in one convenient app. Free transfers, instant delivery.
Get started without leaving your home. Download, verify, choose, and transact. It's that easy.
Available on Google Play Store and Apple App Store. Free download, no monthly fees. Install and open in under a minute.
~ 1 minUpload a valid government-issued ID (UMID, Driver's License, Passport, or PhilSys ID). Scan using your phone camera with optional selfie verification.
~ 2 minSelect from PesoLoans, FlashLoan, or PesoPera based on your needs. Enter the amount and term — see your monthly payment and total cost upfront. No hidden charges.
~ 1 minOnce approved, funds go directly to your CASHTALK wallet, GCash, Maya, or linked bank account. Average approval time: 5 minutes. Cash in hand the same day.
~ 5 minWe maintain the highest standards of security and regulatory compliance in the Philippine financial industry.
Fully registered with the Securities and Exchange Commission of the Philippines.
Bank-grade AES-256 encryption protects every transaction and your personal data.
Round-the-clock customer service via chat, phone, and email. Filipino & English.
All lending products comply with SEC MC 3-2023 and BSP interest rate guidelines.
With CASHTALK, you see everything before you sign. No fine print, no surprises. In compliance with the Truth in Lending Act (R.A. 3765), every borrower has the right to know the full details of their loan before disbursement.
Maximum daily interest rate of 0.13% (approximately 6% monthly or 72% annually) for loans ≤₱10,000 with terms ≤4 months.
Inclusive of all interest, service fees, and other charges. This is the maximum — your actual rate may be lower based on your credit profile.
Shall not exceed 5% per month on the outstanding amount, per BSP Circular No. 1136. Flexible restructuring options available if you encounter difficulty.
Disclosure statement provided before disbursement — showing finance charge, total amount financed, and effective interest rate.
All personal and financial data processed in strict compliance with NPC regulations. Registered with the National Privacy Commission.
Full KYC/AML verification conducted for all accounts in coordination with the AMLC.
Join over 2 million Filipinos who trust CASHTALK for their everyday financial needs.