Cashify Review: SEC Status, Fees, and Requirements to Know

Tracing Cashify's License Back to SunLoan Lending Investors Corporation

Cashify's own website and app store listings don't make its licensing entity obvious at first glance.

Cross-checking against the SEC's public list of registered lending and financing companies, we traced the app back to SunLoan Lending Investors Corporation.

That company holds SEC Registration No. CS201900565 and Certificate of Authority No. 2872.

One detail worth flagging for existing borrowers: the same registration was previously used under the brand name Cashola before it was renamed to Cashify.

If you ever see the name Cashola referenced in an old text message, email, or collection notice, that's the same underlying company you're dealing with now.

We'd still encourage checking the SEC's list yourself rather than taking our word for it, since registration status can change and the SEC's own records are the authoritative source.

Cashify's First Loan Amount and What You'll Need to Apply

Like most apps in this category, Cashify appears to size a borrower's first loan conservatively.

New users should expect a smaller opening amount rather than the maximum the app advertises.

The typical requirements we encountered while testing the onboarding flow were consistent with the rest of the market.

1. Filipino citizenship and legal age. You need to be at least 18 years old to open an account.
2. A valid government-issued ID. This is used to verify your identity during signup.
3. An active mobile number and email address. Both are required for account verification and for receiving updates about your application.
4. Basic personal and employment details. This feeds into Cashify's internal assessment of how much to offer you.

Your Cashify loan interest rate and exact loan amount are only confirmed once you reach the in-app offer screen.

Read that screen fully before accepting anything.

What Held Up in Our Review	What to Read Twice
✓ SEC registration (CS201900565) and Certificate of Authority (2872) are traceable to a real operating company, SunLoan Lending Investors Corporation.	✕ The Cashify branding doesn't mention the operating company name or its previous "Cashola" identity anywhere obvious in the app.
✓ A working contact number and support email are published on the app's own channels.	✕ The exact Cashify loan interest rate isn't published upfront, only shown at the offer screen.
✓ Both Android and iOS versions are available through official app stores.	✕ First-loan amounts appear conservative compared to what the app's marketing promotes.

Fast and Safe Cash: What the Marketing Promise Actually Means

Cashify positions itself around the idea of fast and safe cash, and the "fast" part largely checks out in a digital-first sense.

There's no branch visit, no physical paperwork, and approval decisions appear to be automated rather than manually reviewed for every applicant.

The "safe" part is harder to verify from the outside.

Safety, in a regulatory sense, comes down to whether the lender is properly licensed and follows fair collection practices, not how the app describes itself in its own marketing copy.

That's exactly why we keep coming back to the registration question in this review rather than taking the tagline at face value.

If a Payment Runs Late: Complaint Channels, Contact Methods, and the Home Visit Question

We were not able to independently verify a large volume of complaint reports specifically naming Cashify at the time of writing.

That can mean the app is relatively new, or that complaints haven't been widely aggregated yet, and we'd rather say that plainly than imply a track record that doesn't exist yet either way.

What we can speak to is the general framework that applies to any lending app operating in the Philippines.

SEC Memorandum Circular No. 18 sets rules for fair debt collection and prohibits threats, obscene language, and disclosing a borrower's debt to unrelated third parties.

Under that same framework, collection contact from a registered lender is generally expected to stay within calls, SMS, email, and written notices rather than an unannounced home visit.

If someone shows up at your address claiming to represent Cashify, the safest first step is calling the number listed on this page or on cashifyapp.ph directly to confirm it's genuine before you engage further.

If you ever want to raise a complaint about Cashify, start with the app's own support channel first, and escalate to the SEC's Financing and Lending Companies Division if the response falls short.

Keeping a written record of dates, names, and what was said during any collection contact makes that escalation much easier if it's ever needed.

Reaching Cashify: Phone Number and Email Address on File

The contact number listed on Cashify's public channels is 02-8424-8051.

For written questions or complaints, the support email address is cs@cashifyapp.ph.

We'd suggest saving both of these somewhere accessible now, rather than searching for them later while a loan issue is already stressful.

A single support email covering both general questions and complaints is fairly common at this stage for newer apps, though more established lenders sometimes split the two.

Cashify Questions Borrowers Ask Most