Cashalo

Not BSP supervisedSEC Registered

SEC-registered online lending platform and BNPL provider. Part of Oriente Group. Offers cash loans and buy-now-pay-later. Complaints include collector harassment and undisclosed APR.

https://cashalo.com ↗

₱0

in damages claimed against Cashalo in the last 30 days

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Complaints

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Calculate Your Damages

Enter your figures. The calculator produces a printable Exhibit A worksheet for small claims / BSP filings. Caps apply without evidence upload toggle.

Disclaimer: These are estimated damages for filing purposes. Actual award is at court or regulator discretion. Emotional distress of ₱25,000/incident is a reference figure from PH jurisprudence, not a guaranteed amount. BSP penalties cite BSP Circular 1160 (2022). Lost wages at DOLE NCR minimum wage ₱645/day (DO 241-24, effective Nov 4 2024).

Your information (for PDF only)

Full name

Incident date

Address

Damages

Principal amount lost (₱) — the core disputed amount

Interest already paid (₱) — informational only, not included in damages claim

Lost wages — days unable to work due to this dispute

days × ₱645/day (DOLE NCR 2025) = ₱0.00

Medical expenses (₱) — capped at ₱100k without receipts

I have official receipts / OR (raises cap to ₱500k)

Emotional distress — qualifying incidents (₱25,000/incident, court discretion)

incidents × ₱25,000 = ₱0.00

Filing fee (small claims, A.M. No. 08-8-7-SC)₱1,000.00

Your damages estimate

₱1,000.00

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Sources: DOLE NCR Wage Order (DO 241-24, effective Nov 4 2024) · BSP Circular 1160 (2022) · A.M. No. 08-8-7-SC Revised Rules on Small Claims (2016). Caps of ₱500k per line without evidence are conservative guardrails — not legal advice.

Worker Witness Reports

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Witness Wall

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First-person testimonies from Cashalo customers — anonymized, PII-redacted, consent-flagged. Self-reported unless cited to public record.

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Documented Issue Types

Contact-List Access / Debt Shaming

Lending app accessed phone contacts without consent and used them to shame or pressure the borrower — calling family, friends, or employers about the debt.

Cashalo × Contact-List Access / Debt Shaming

Excessive / Undisclosed APR (Online Lending)

Effective annual percentage rate — including processing fees, insurance, and other charges — far exceeds what was advertised or the BSP Circular 1133 cap.

Cashalo × Excessive / Undisclosed APR (Online Lending)

Abusive or Threatening Loan Collection

Collector used threats, profanity, public humiliation, or called outside permitted hours. Prohibited under SEC Memorandum Circular 18 and BSP Circular 1048.

Cashalo × Abusive or Threatening Loan Collection

BNPL Undisclosed Late Fees / Interest Charges

Buy-Now-Pay-Later provider charged late fees or interest not clearly disclosed at checkout, or applied fees retroactively.

Cashalo × BNPL Undisclosed Late Fees / Interest Charges

Accountability Ledger

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Public officers, directors, and attorneys of record — all cited to SEC PH filings, court records, and public documents. No editorial; facts only.

View Accountability Ledger for Cashalo →

Public Record (1 entry)

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Court decisions, regulator orders (BSP, SEC, NPC, BIR), and major news-documented incidents involving Cashalo. Every entry cites a primary source.

NPC Decision SS-21-005 — In re Oriente Express Techsystem Corporation (Cashalo)
2022-06-16 · npc · NPC SS-21-005 · adverse

View Public Record for Cashalo →

User Reviews & Complaints

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1-2 star Play Store reviews for Cashalo, categorized by issue (contact-list shaming, hidden fees, abusive collection, etc.). Refreshed weekly.

View User Reviews for Cashalo →

App Permissions

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Declared Android app permissions for Cashalo, reviewed against SEC Memorandum Circular 18 (2019) which prohibits PH lending apps from accessing contacts, SMS, or call logs.

View App Permissions for Cashalo →

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Frequently asked questions about Cashalo

Is Cashalo SEC-registered?

Cashalo is operated by Paloo Financing Inc. (Oriente Group), an SEC-registered financing company. The brand is bound by SEC MC 18 (collection conduct) and SEC MC 3, 2022 (effective interest disclosure).

Source:SEC Memorandum Circular 18, s. 2019
Source:SEC Memorandum Circular 3, s. 2022

What is Cashalo's maximum interest rate?

BSP Circular 1133 caps consumer-loan effective interest at 6% per month nominal (24% per annum) and total cost (incl. penalties) at 15% per month for short-term, low-value loans. The cap was extended by BSP Circular 1165 (2023).

Source:BSP Circular 1133 (2021)
Source:BSP Circular 1165 (2023)

How do I report Cashalo collection harassment?

File simultaneously with the SEC EIPD (cgfd@sec.gov.ph) for SEC MC 18 violations and with NPC at privacy.gov.ph for unauthorized contact-list access under RA 10173.

Source:SEC Memorandum Circular 18, s. 2019
Source:RA 10173 — Data Privacy Act
Source:SEC PH — File a Complaint
Source:NPC complaint portal

Can Cashalo legally call my contacts?

No. SEC MC 18 prohibits contacting any third party other than a designated co-maker without prior written consent. RA 10173 separately prohibits accessing phone contacts without explicit consent.

Source:SEC Memorandum Circular 18, s. 2019
Source:RA 10173 — Data Privacy Act

Pwede ba akong makulong dahil sa Cashalo loan?

Hindi. Hindi krimen ang non-payment ng utang (1987 Constitution Art. III §20). Ang estafa sa RPC Art. 315 ay nangangailangan ng deceit sa pag-utang mismo, hindi simpleng default.

Source:Revised Penal Code Art. 315 — Estafa

What evidence should I save for a Cashalo complaint?

Screenshots of harassing SMS or chat threads, call recordings, the app's permission requests, and any messages sent to your contacts or family. Keep your loan disclosure under RA 3765.

Source:RA 3765 — Truth in Lending Act
Source:SEC Memorandum Circular 18, s. 2019

Has the SEC acted against Cashalo?

The SEC publishes administrative actions and CDOs at sec.gov.ph/cease-and-desist-orders. Specific actions against any Cashalo entity should be verified directly on the SEC list.

Source:SEC published cease-and-desist orders

Can I get a refund of overcollected fees?

Yes. RA 11765 §4(g) and BSP Circular 1160 require refund of any amount collected in excess of the disclosed fee within 15 business days of written demand. The 6% / 24% cap of BSP Circular 1133 sets the legal maximum.

Source:RA 11765 (FCPA, 2022)
Source:BSP Circular 1160 — IRR of RA 11765
Source:BSP Circular 1133 (2021)

Saan magfa-file laban sa Cashalo?

SEC EIPD para sa MC 18 violations, NPC para sa privacy issues, BSP CAM kung may bank/e-wallet element, at MTC small claims kung ₱1M pababa.

Source:SEC PH — File a Complaint
Source:NPC complaint portal
Source:BSP Consumer Assistance Mechanism
Source:A.M. No. 08-8-7-SC — Small Claims Rules

How fast does the SEC act on Cashalo-style complaints?

SEC EIPD typically issues show-cause orders within 30–60 days of a complete complaint; cease-and-desist orders for egregious violations have issued in as little as 14 days.