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. Explore our full lineup below.
Your go-to personal loan for life's important moments — medical emergencies, tuition fees, home repairs, or major purchases. Fast approval, transparent terms, and no collateral required.
When urgent expenses hit, FlashLoan delivers. Get approved and funded the same day — hospital bills, urgent home repairs, or unexpected family needs. Fast track processing, minimal paperwork.
A versatile loan designed for life's many needs. Whether it's medical bills, home improvement, education costs, or debt consolidation — borrow what you need with straightforward terms and zero usage restrictions.
Big plans deserve flexible financing. Spread the cost of home renovation, higher education, or major life events over manageable monthly payments with competitive fixed interest rates locked in for your full loan term.
Designed for employed professionals who need extra funds between paychecks. Fast-track approval based on your payroll history — higher limits, longer terms, and preferential rates for regularly employed borrowers.
A streamlined small loan for when you need cash without the wait. Simple application, minimal documentation, and fast approval — ideal for unexpected expenses that need quick resolution without the complexity.
Purpose-built capital for Filipino entrepreneurs. From starting a sari-sari store to expanding your online business, JuanPera provides affordable financing with a dedicated advisor to help you grow.
A revolving credit line you can draw from whenever you need it. Pay interest only on the amount you actually use — ideal for managing ongoing or seasonal expenses without reapplying for a new loan each time.
Unlock higher loan amounts at lower rates by using your valuable assets as collateral. Jewelry, gadgets, or vehicles — all accepted with a simple, discreet appraisal. Keep your items while you repay.
Finance the latest smartphone, laptop, or gadget with easy monthly installments. TekPera partners with top electronics brands so you can get the device you need today and pay over time with competitive rates.
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.