HALIKA Cash loan review Philippines legit? complaints harassment (2024)

Have you heard of the name Halika cash? Are you in need of a loan today? Are you wondering if this loan app is safe and reliable?

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Summary of Halika Cash

✅ Halika Cash loan Review	⭐ 4.3 star
✅ Guide to	⭐ Register to Halika loan Philippines (PH)
✅ Loan amount	⭐ 1.000 – 10.000 Pesos
✅ Age	⭐ 18 – 60 years old
✅ Term	⭐ 5 months
✅ Interest rate	⭐ 0 % interest rate for first loan
✅ Pros	⭐ Online loan monthly payments in Philippines
✅ Cons	⭐ No Online loan guaranteed approval
✅ Evaluate the effectiveness	⭐ Good
✅ Bad credit	⭐ Allow
✅ Feedback	⭐ Read more in this article
✅ Halika App dowload APK:	⭐ Link Here

What is Halika cash?

Halika cash is a financial institution operating in the Philippines since 2017. Realizing that the need for quick loans and hot loans is growing very strongly and traditional banks cannot meet them, this financial app was born. Its main purpose is to provide personal financial solutions, helping borrowers quickly access capital.

Pros of Halika cash App

Compared to many other financial units, Halika cash review appeared later. However, it has affirmed its financial position on par with many giants in the market because of its outstanding advantages:

• Supported on many different operating platforms, making it easy for users to download and install.
• This application is under the management of E BORROW LENDING, committed to safety and reputation.
• Loan conditions are simple, almost anyone who meets the basic requirements can be approved for a loan.
• Develop many preferential policies for first-time customers as well as loyal customers.
• Serving customers anytime, anywhere, including holidays.
• Always put service quality first.
• Many flexible payment channels.

Cons of Halika cash Loan App

Halika cash app review has some disadvantages as follows:

• For first-time borrowers, the loan amount is limited.
• Late payment penalties are relatively high. Therefore, you need to have a clear debt repayment plan to avoid interest piling up and making it more difficult financially.
• Sometimes the service attitude of the staff is not the most professional.
• Because it is an online platform, your internet connection needs to be stable to avoid being disconnected in the middle of an operation.

Halika cash interest rate

Interest rates at Halika cash are quite competitive compared to other credit institutions. Currently, the interest rate that the app is implementing ranges from 0.5% – 3%/month, equivalent to 10% – 36%/year.

Specific interest rates will be applied to each loan. The factors that will determine the interest rate are: limit, term, borrower’s credit score, lending unit’s policy, market fluctuations at the time of loan…

Example of Halika cash interest rate calculation

Example of Halika cash approval:

• Loan amount: ₱10000
• Loan term: 91 days.
• Interest rate: 10.8%/year.
• Service fee: 0.2%
• Transaction fee: 0
• Service fee is ₱20=₱10000*0.2%
• Interest fee is ₱276= ₱10000/91= ₱10000 x（10.8%/360)*91
• If you pay on time, your monthly payment is ₱3432
• Total amount payable in 91 days is ₱10296=₱10000+₱276+₱20.

Halika cash loan requirements

To successfully apply for a loan at Halika cash, you need to meet a few simple conditions:

• Age range from 18 – 60 years old.
• Filipino citizens, living and working in Philippine territory.
• Sufficient capacity for civil acts.
• Phone number is working normally.
• Own a bank account number to receive disbursement money.
• No bad debt

Guide to register Halika cash Loan Application Step-by-step

The following is the loan registration process on Halika cash:

Step #1: Download the application

Depending on your phone’s operating system, you choose different download applications. Visit cashloanapp.net, select HalikaCash APK/IOS. Install HalikaCash from Google Play for Android operating system or App Store for iOS operating system.

Step #2: Open the app and register

After completing the download, open the application and register an account by filling in the required personal information.

Step #3: Provide information according to the registration form

The system displays the registration form, you fill in the information according to the application instructions. You need to provide personal information, employment information or information requested by the app.

Step #4: Confirm information

You need to ensure that the information declared is completely accurate. Choose a loan package and wait for the system to process your application.

Step #5: Receive confirmation call

If you are in the process of applying for a loan, you need to pay attention to your phone because after applying for the loan, there will be a confirmation call from the system. If your application is approved, you will receive a call informing you about the loan status.

Step #6: Disbursement

The amount you need to borrow will be transferred directly to your Gcash account or the bank account number you paid.

​Reviews Halika cash online Loan App Feedback

Halika cash loan review is rated 4.3 stars from customers in Philippines. It is legit and safe, high support limit and absolute information.

Every day, hundreds of customers register to use Halika cash’s credit products and leave positive feedback.

Halika cash loan repayment

Halika cash payment through the application:

Step #1: Choose a debt repayment channel

On the homepage of the Halika cash application, select the bill payment section. Then, choose the payment channel that’s right for you.

Step #2: Receive OTP code

The system sends you a refund code from the bill payment page.

Step #3: Confirm payment

Fill in the received OTP code and make payment.

Compare Halika cash loan App Philippines with other loan apps

Comparison criteria	Halika cash	Pesobox	Upeso
Limits	Max 10,000 pesos	1.000 – 20.000 pesos	1.000 – 12.000 pesos
Tenor	91 – 365 days	96 – 365 days	91 – 180 days
Interest rate	max 36% /years	max 24% /years	max 25% /years
Age	18 – 60 years old	18 – 49 years old	22 – 55 years old
Review rate	80%	75%	70%

Sources: Refer to Sate Bank reporting and research.

Halika cash customer service

Halika cash complaints will be resolved via contact information::

Email: halikacash@halikacash.ph

Address: Rockwell Bldg. Hidalgo Dr. Rockwell Poblacion, Makati City, Philippines.

FAQs – Halika cash Philippines

Here are some questions to answer about Halika cash:

Is Halika cash sec registered?

Halika cash is a mobile financial support platform licensed to operate legally. This is an application managed by E BORROW LENDING CORP, with a business registration certificate (SEC: 2020100002616-03 and CA number: 3333). The application received positive reviews from users to the financial community.

Does the Halika cash harassment application ensure the safety of customer information?

Halika cash is developed using the most advanced technology today. All processes from account registration to successful loan are done 100% online. All personal information is guaranteed to be absolutely secure. We commit that your information will not be disclosed to third parties.

Whenever I want Halika cash complaints, where should I contact?

You can send an email to halikacash@halikacash.ph. The system operates 24/7, ready to answer all your questions anytime, anywhere.

In conclusion – Should you Apply to Halika cash App?

Halika cash loan brings very good experiences to users. That’s why more and more people choose it:

• Many flexible loan packages for you to choose from.
• Competitive interest rates.
• Fast disbursement time.
• All loan information is transparent.
• Scope of support nationwide.

Halika cash is a useful financial solution for every home. With the information provided in this article, we hope to answer your questions.

Wishing you good financial health!

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