Cashalo in Makati, National Capital Region
Central business district. SEC Philippines and most BSP-supervised lender HQs are headquartered here, including BIR East Makati RDO that padlocked Global Mobility Service branches in 2022.
About Cashalo
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.
National coverage caveat: Cashalo's presence in Makati is documented at the national / multi-branch level. Branch-specific addresses should be verified on the company's directory before transacting.
Top issues for Cashalo in Makati
Public record for Cashalo
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Naranasan mo ba ito sa Makati?
Magsumite ng reklamo at bubuo kami ng pormal na liham para sa BSP, SEC, at DTI.
Frequently asked — Cashalo in Makati
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.
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.
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.
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.
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.
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.
- Source:SEC EIPD