--- title: "Cashoyo: Zero Interest Cash - Reviews, Revenue and Downloads in Philippines | Apple App Store" description: "Cashoyo is a Philippines-based 0% interest, 0 fee emergency cash app — backed by SEC-licensed and regulated operations. Our flagship product, OGives, provides interest-free emergency cash of up to 10," --- # Cashoyo: Zero Interest Cash — Philippines > Your Personal Emergency Cash ![Cashoyo App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/e8/37/89/e837895e-1dd2-52e5-087f-e44033ea8e5e/AppIcon-0-0-1x_U007ephone-0-1-85-220.png/434x0w.png) **Developer:** [Philippines Cashtrout Lending](https://apptail.io/developer/philippines-cashtrout-lending-kEYf) **Category:** Finance **Rating:** 4.8/5 (44 ratings) **Price:** Free **Bundle ID:** com.cashoyo.loan.app **Store:** Apple App Store **Country:** Philippines **Version:** 1.0.3 (released 2026-10-28) **Original Release:** 2026-06-23 **Languages:** English **App Store Link:** [Download on Apple App Store](https://apps.apple.com/ph/app/app/id6771651132) **AppTail Page:** [https://apptail.io/app/cashoyo-zero-interest-cash-SjDA/philippines](https://apptail.io/app/cashoyo-zero-interest-cash-SjDA/philippines) ## Cashoyo Description Cashoyo is a Philippines-based 0% interest, 0 fee emergency cash app — backed by SEC-licensed and regulated operations. Our flagship product, OGives, provides interest-free emergency cash of up to 10,000 pesos with ZERO service fees, ZERO hidden charges, and ZERO harassment. NO calls to your contacts, NO pressure. OGives does NOT profit from interest or fees. It is a welfare-oriented financial safety net operated by Philippine Cashtrout Lending Corporation, a company duly registered and licensed by the Securities and Exchange Commission (SEC). Every Filipino deserves access to emergency funds without being exploited by high interest rates or aggressive collection practices. Why Choose OGives? - 0% interest before your due date. Always. NO exceptions. - 0 service fees charged by OGives. What you borrow is what you repay. - 0 harassment. NO threatening messages. ZERO harassment is built into the app. OGives Product Details - Loan Amount: 1,000 to 10,000 pesos - Loan Term: 61 to 180 days - Interest & Service Fee: 0% (before maturity) - Maximum APR: 0% (before maturity). After the due date, an effective APR may apply, varying with the duration of the delay. - Convenience Fee: Fixed fee by third-party payment gateway, not by Cashoyo. ₱20 at disbursement, ₱15 at repayment. These are disclosed upfront before you confirm. - Late Fee: 5% of your loan amount for every 30 days past the due date, with a total cap of 15% of your loan amount. No additional penalty applies. Representative Example: - Borrow 10,000 pesos for 61 days. - Interest & Service Fee before maturity: 0 pesos - Credited Amount: 9,980 pesos (20 pesos Convenience Fee is deducted from the disbursement by the third-party payment gateway, not by Cashoyo). - Repaid on time: 10,000 pesos to Cashoyo + 15 pesos Convenience Fee at repayment by payment gateway - Repaid 90 days late: 10,000 + 1,500 late fees = 11,500 pesos + 15 pesos Convenience Fee at repayment by payment gateway Loan Application Requirements - Filipino citizen, 18 years old and above - At least 1 valid government-issued ID - Active GCash account registered under your mobile number How Does the OGives Work? 1. Download Cashoyo and register with your Philippine mobile number. 2. Verify your identity by submitting your government ID and a selfie. 3. Choose your loan amount, repayment period, and submit. 4. Receive a notification once approved, typically within 1 business day. 5. Once approved, funds are transferred to your GCash account, usually within 30 minutes. 6. Repay on or before your due date to maintain good standing. Note: To keep OGives sustainable for as many Filipinos as possible, OGives operates on limited daily lending sessions. We appreciate your patience and understanding. SEC Licensed Company: Philippine Cashtrout Lending Corporation Business Name: Cashoyo SEC Registration No.: CS201910407 Certificate of Authority No.: CA3015 Office Address: 4/F Kings Court 1 Building, 2129 Chino Roces Ave., Pio del Pilar, Makati City, Metro Manila, Philippines Contact Us Email: support@cash-oyo.com Website: www.cash-oyo.com Customer Service Hours: 8:00 AM – 8:00 PM, Monday to Sunday ## Cashoyo Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/32/b9/56/32b956f5-7b83-4dab-aba5-9ff096910955/01.png/1242x2688.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/20/e9/3b/20e93b36-eaf3-d510-6c1f-c964bfa5eabc/02.png/1242x2688.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/91/4a/4a/914a4ab6-186b-ae79-3bed-829b7cfa058d/03.png/1242x2688.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/10/9c/4e/109c4e8e-a024-6514-4447-dbecbd4f459a/04.png/1242x2688.png) ## Cashoyo Rating Breakdown in Philippines - 5 stars: 41 (93%) - 4 stars: 0 (0%) - 3 stars: 1 (2%) - 2 stars: 0 (0%) - 1 stars: 2 (5%) ## Cashoyo Reviews in Philippines ### *---- "Don’t use this" Waste of time. -- 434rte, 2026-11-05 ### ***** "FEEDBACK FOR THIS APP" This app is super reliable and has a very fast process, plus customer service responds quickly. Out of all the loan apps, I highly recommend this one—it has low interest rates and higher limits for good payers!❤️ -- RedhenPaul, 2026-10-31 ### ***** "Best lending app cashoyo" Best lending app ever, easy process and fast approval. This is the best choice for your lending needs. You will get your loan application approval within the day. So dont miss the chance and grab your extra money -- Ralvv, 2026-10-31 ### ***** "Good loaning app" Cashoyo stands out as an exceptionally reliable and user-friendly loan application, offering individuals a seamless digital platform to secure quick financial assistance with minimal documentation, competitive interest rates, and an impressively fast approval process that directly addresses urgent cash needs without the hassle of traditional banking hurdles. -- Jhon paul domalanta, 2026-10-31 ### ***** "Good" This app has completely transformed how I manage my money. The user interface is incredibly clean and intuitive, making it easy to track expenses, set savings goals, and monitor investments all in one place. I love the automated budgeting insights—they gave me a clear picture of my spending habits without making me feel overwhelmed. Transactions sync seamlessly and securely, providing real-time updates that keep me accountable. It has truly taken the stress out of personal finance. Whether you want to break the paycheck-to-paycheck cycle or optimize your wealth, this app is an absolute game-changer. Good! -- MoonstarAlpha03, 2026-10-31 ### ***** "Borrower" Easy to use and user friendly application. Sana mabilis ang approval process at maayos ang serbisyo. Thank you! -- Gream_247a2tree, 2026-10-31 ### ***** "Easy to use and very easy to apply." This app is excellent! It is very convenient and user friendly, and easy to apply. All features are organized and work smoothly and it’s hassle free, making my application goes well. Definitely worth recommending to anyone looking for personal and emergency loan. It’s very reliable and easy to apply. If you’re looking for cash loan app this is it! Try it! -- Marjoru Rorain, 2026-10-31 ### *---- "0 star" Waste of time -- ……….00000, 2026-10-30 ### ***** "Good" malaki offer sana maapproved agad -- mweather1, 2026-10-30 ### ***** "cashoyo" cashoyo ay reliable at maasahan sa oras ng emergency, thankyou cashoyo! -- ediwow12, 2026-10-30 ### ***** "Legit" Cashoyo is a convenient and reliable online lending app that makes borrowing money easier and more accessible. I appreciate how simple and user-friendly the application process is. It saves time and provides a convenient way to apply for financial assistance whenever needed. The app is easy to navigate, and the instructions are clear and understandable. I also appreciate having access to loan information and updates through my phone. Overall, Cashoyo offers a helpful service for people who need extra financial support. I hope the app continues improving its services and providing a smooth, secure, and positive borrowing experience for everyone. -- jancarIo777, 2026-10-30 ### ***** "Cashoyo" Cashoyo is user-friendly, with a simple application process, fun activities, and daily check-in rewards -- Tutszy12, 2026-10-30 ### ***** "Easy to Use. Most-recommended" Cashoyo is a reliable, user-friendly app that helps people in times of need. It actually helped me make up for urgent financial expenses with fast approval and smooth disbursement. Knowing it connects borrowers directly to SEC-registered institutions gives total peace of mind, as there are no hidden fees or pushy tactics. The straightforward application process and transparent terms make managing quick cash flow effortless. I definitely will recommend this app to my friends and family looking for a dependable financial safety net. -- AmazingEnzzz, 2026-10-30 ### ***** "Nice" Good and user-friendly app. -- chellaz29, 2026-10-30 ### ***** "Amazing" Cashoyo is an amazing app! Quick approval, fast disbursement, and superb customer service. Highly recommend! -- John Kulata, 2026-10-29 ### ***** "Easy to Use and User-Friendly App" The application is easy to use, with a simple and user-friendly interface. The features are easy to understand, and the application is convenient to navigate. Overall, my experience so far has been straightforward. I hope the service continues to improve and provide a better experience for users. 😊 -- Bella_mxxm, 2026-10-29 ### ***** "Great app" Ang ganda ng app na ito maganda gamitin kahit di pa ako na approved pero di ako ni rejected hopefully mag kakaroon din ako ng slot for loan to help my personal needa I will keep using this app for future needs and thanks for the opportunity to borrow and it helps me a lot -- Mavieodena, 2026-10-29 ### ***** "Nice" Cool -- whebuxcjwnqiocv, 2026-10-29 ### ***** "Legit and easy deal with loan app" One of the most reliable and fastest disburse loan ever so far! -- Todd martin barilea, 2026-10-29 ### ***** "VERY HELPFUL APP" I HOPE MY LOAN APPLICATION GOT APPROVED THANKYOU CASHOYO -- leinazarene, 2026-10-29 [View all Cashoyo reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## Cashoyo Store Rankings | Chart | Country | Category | Rank | |-------|---------|----------|------| | Top Free | Philippines | Finance | #21 | | Top Free | Philippines | Overall | #125 | --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. 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