Cashoyo: Zero Interest Cash

Cashoyo is a Philippines-based 0% interest, 0 fee emergency cash app — backed by SEC-licensed and regulated operations. Our flagship product, OGives, provides interest-free emergency cash of up to 10,000 pesos with ZERO service fees, ZERO hidden charges, and ZERO harassment. NO calls to your contacts, NO pressure.

OGives does NOT profit from interest or fees. It is a welfare-oriented financial safety net operated by Philippine Cashtrout Lending Corporation, a company duly registered and licensed by the Securities and Exchange Commission (SEC). Every Filipino deserves access to emergency funds without being exploited by high interest rates or aggressive collection practices.

Why Choose OGives?
- 0% interest before your due date. Always. NO exceptions.
- 0 service fees charged by OGives. What you borrow is what you repay.
- 0 harassment. NO threatening messages. ZERO harassment is built into the app.

OGives Product Details
- Loan Amount: 1,000 to 10,000 pesos
- Loan Term: 61 to 180 days
- Interest & Service Fee: 0% (before maturity)
- Maximum APR: 0% (before maturity). After the due date, an effective APR may apply, varying with the duration of the delay.
- Convenience Fee: Fixed fee by third-party payment gateway, not by Cashoyo. ₱20 at disbursement, ₱15 at repayment. These are disclosed upfront before you confirm.
- Late Fee: 5% of your loan amount for every 30 days past the due date, with a total cap of 15% of your loan amount. No additional penalty applies.

Representative Example:
- Borrow 10,000 pesos for 61 days.
- Interest & Service Fee before maturity: 0 pesos
- Credited Amount: 9,980 pesos (20 pesos Convenience Fee is deducted from the disbursement by the third-party payment gateway, not by Cashoyo).
- Repaid on time: 10,000 pesos to Cashoyo + 15 pesos Convenience Fee at repayment by payment gateway
- Repaid 90 days late: 10,000 + 1,500 late fees = 11,500 pesos + 15 pesos Convenience Fee at repayment by payment gateway

Loan Application Requirements
- Filipino citizen, 18 years old and above
- At least 1 valid government-issued ID
- Active GCash account registered under your mobile number

How Does the OGives Work?
1. Download Cashoyo and register with your Philippine mobile number.
2. Verify your identity by submitting your government ID and a selfie.
3. Choose your loan amount, repayment period, and submit.
4. Receive a notification once approved, typically within 1 business day.
5. Once approved, funds are transferred to your GCash account, usually within 30 minutes.
6. Repay on or before your due date to maintain good standing.
Note: To keep OGives sustainable for as many Filipinos as possible, OGives operates on limited daily lending sessions. We appreciate your patience and understanding.

SEC Licensed Company: Philippine Cashtrout Lending Corporation
Business Name: Cashoyo
SEC Registration No.: CS201910407
Certificate of Authority No.: CA3015
Office Address: 4/F Kings Court 1 Building, 2129 Chino Roces Ave., Pio del Pilar, Makat