Cashalo — 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's BNPL product has been named in complaints describing late fees and retroactive interest applied without checkout-time disclosure. Cashalo is SEC-registered, and the conduct falls inside RA 3765 plus BSP Circular 1048 disclosure standards.
This page documents Cashalo's public record, the documented complaint cohort, and the SEC EIPD filing path that converts checkout screenshots and statement records into a regulator-routed complaint.
Legal basis (Philippines)
See the issue page for the full citation list. Primary statutes implicated by bnpl undisclosed late fees / interest charges include RA 11765 (FCPA, 2022), RA 3765 (Truth in Lending Act), RA 10173 (Data Privacy Act), BSP Circular 1048 / 1133 / 1160, and SEC MC 18 (2019) where applicable.
Public record — Cashalo × BNPL Undisclosed Late Fees / Interest Charges
No documented public-record events for Cashalo on bnpl undisclosed late fees / interest charges yet — be the first to file.
(1 other public-record entries exist for Cashalo on unrelated issues — see the company record page.)
File the first complaint →Documented complaints
No complaints documented yet for Cashalo on this issue.
File the first complaint →Recommended actions
Related questions
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File a complaint and we will pre-fill your BSP, SEC, DTI, and small-claims letters.
Frequently asked — Cashalo × BNPL Undisclosed Late Fees / Interest Charges
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).
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.