Loan app safety review

Cashpedia Philippines Review: Online Cash Loan App, SEC Checks, APR, Fees, and Alternatives

Cashpedia Philippines is an online cash loan app listed on Google Play under Cashpedia Lending, Inc.. The listing describes Cashpedia as a mobile lending platform for Filipino borrowers, with loans from PHP 1,000 to PHP 50,000, repayment terms from 91 to 360 days, and APR up to 25%. It also displays SEC Registration No. CS201906528 and Certificate of Authority No. 2945.

This review is cautious because Cashpedia has also appeared in 2026 online lending warning coverage involving apps that borrowers were told to verify. Use this page to understand the public product claims, costs, eligibility, data safety signals, regulatory checks, and alternatives before applying.

What is Cashpedia?

Cashpedia is presented as a mobile lending app where users can apply for personal loans through a phone, receive application updates, and get disbursement through common e-wallets or bank accounts. The listing positions the product for bills, shopping, emergencies, and other short-term cash needs.

Cashpedia should be compared with other loan apps in the Philippines. If you prefer provider pages rather than app listings, compare loan companies in the Philippines. If you want a larger or longer-term product, review personal loans.

Is Cashpedia legit?

The app listing identifies Cashpedia Lending, Inc. and displays SEC Registration No. CS201906528 and Certificate of Authority No. 2945. It also lists an address at Marajo Tower North Penthouse Unit, Fort Bonifacio, Taguig, and support email information.

Those details are positive verification signals, but not enough by themselves. For online lending, borrowers should also check whether the exact app is recorded with the SEC as an online lending platform and whether any recent warning or advisory applies. Cashpedia has appeared in 2026 warning coverage about online lending apps still active on app stores, so current official verification is necessary.

Loan amount, term, and APR

The Cashpedia listing checked for this review shows:

• loan amount: PHP 1,000 to PHP 50,000;
• loan tenure: 91 to 360 days;
• interest rate: up to 25% APR;
• statement of no hidden charges in the listing.

The listing’s sample calculation uses a PHP 10,000 loan for 180 days at 25% APR. It calculates interest as PHP 1,233, total repayment as PHP 11,233, and monthly payment as about PHP 1,872. This is only an example. Your final offer can change based on amount, term, risk profile, fees, and repayment channel.

Before accepting, compare the final amount against our loan cost comparison guide.

Eligibility and application

The listing says applicants may be Filipino citizens aged 18 and above with a valid ID, active mobile number, and a source of income or financial capacity. It describes a process where users download the app, sign up with a mobile number, provide personal and financial information, submit documents such as a valid ID, and receive a loan offer if approved.

A safer application process:

1. Use only the official Google Play listing.
2. Confirm the developer is Cashpedia Lending, Inc.
3. Verify SEC Registration No. CS201906528 and CA No. 2945.
4. Check whether the exact app is currently recorded as an online lending platform.
5. Read the privacy policy and app permission prompts.
6. Accept only after reviewing total repayment and due dates.

Data safety and privacy

The Google Play data safety summary says no data is shared with third parties and no data is collected, while also stating data is encrypted in transit and users can request deletion. Borrowers should treat store summaries as a starting point, not the full privacy review. Read the current privacy policy and permission prompts before installing.

For any loan app, check contacts, SMS, call logs, camera, photos, location, device ID, app list, and storage access. If permissions do not match the loan service, pause. Read Loan App Privacy in the Philippines for a practical checklist.

Warning context

Cashpedia has appeared in 2026 online lending warning coverage alongside other apps that the public was advised to verify. This does not replace official checking, but it means borrowers should be extra careful before applying, installing updates, or paying through changed channels.

If you experience harassment, unauthorized contact-list messaging, unclear fees, or repayment-channel confusion, save evidence and read How to Report Loan Apps in the Philippines.

Pros of Cashpedia

• Clear public product range. The listing shows amount, term, APR, and sample calculation.
• Company details shown. SEC registration, CA number, address, and support information are visible.
• Longer displayed term. 91 to 360 days may be easier to budget than very short loans if final terms match.
• Bank/e-wallet disbursement. The listing mentions common e-wallets and bank accounts.

Cons and risks

• SEC-warning context. Current OLP status should be verified before applying.
• Final offer can vary. The sample calculation is not a guarantee.
• Data safety summary needs confirmation. Always check actual app permissions.
• Clone and APK risk. Fake pages may copy the app name.
• Repeat borrowing risk. Easy app access can lead to debt cycling.

Cashpedia alternatives

• Tala Philippines
• JuanHand Philippines
• Digido Philippines
• Surity Cash Philippines
• Magaling Peso Philippines

For bank-style borrowing, compare best bank personal loans and low-interest loans.

Borrower checklist

• Verify Cashpedia Lending, Inc. with SEC resources.
• Confirm SEC Registration No. CS201906528 and CA No. 2945.
• Check recorded OLP status for the exact app.
• Use only official app store sources.
• Check final APR, term, due date, and total repayment.
• Do not pay upfront release fees.
• Save screenshots and receipts.

FAQ

Who operates Cashpedia?

The Google Play listing identifies Cashpedia Lending, Inc. as the developer/company.

How much can I borrow?

The listing shows PHP 1,000 to PHP 50,000. Your actual approved amount may differ.

What is the displayed APR?

The listing shows up to 25% APR and includes a sample repayment for PHP 10,000 over 180 days.

Why should I verify Cashpedia if the listing shows SEC details?

Because online lending apps also need current platform verification, and Cashpedia has appeared in warning coverage. Check official SEC resources before applying.

What if collectors harass me?

Document calls, messages, app details, loan agreement, and payments. Then use formal complaint channels.

Sources checked

• Google Play listing for Cashpedia-online cash loan
• 2026 SEC-related warning coverage naming Cashpedia among online lending apps to verify
• SEC and PIA borrower guidance on online lending platform verification
• LoanAppsPH internal loan app, privacy, reporting, and cost comparison guides