Kalinaw Cash Downloads & RevenueKalinaw Cash · App Store

"Kalinaw Cash provides eligible customers in the Philippines with a mobile platform for personal loan services. Through the application, users can provide application details, examine available loan terms, follow request updates, review repayment information, and keep track of previous loan activity.

Application Conditions:
Be 18 years old or above
Be current residents of the Philippines
Have an active mobile number
Possess a valid government-issued identification document
Maintain a receiving account in their own name
Submit truthful and complete information

Approval is not automatic. Each application is subject to verification, assessment, and the applicable approval procedures.

Important Loan Considerations:
Users should evaluate their repayment capacity before accepting a loan offer. Carefully review the loan amount, interest, fees, repayment schedule, due date, and total amount payable.

Failure to repay according to the agreed schedule may lead to applicable additional charges and could influence future access to loan services. Repayment should be completed based on the terms provided in the app.

To submit a request, users complete the required details within Kalinaw Cash. Applications are assessed using the information provided, eligibility requirements, verification procedures, and other relevant review criteria. Where an offer is generated, users can check the related loan conditions before deciding whether to accept.

Available Loan Terms:
Loan Amount: From ₱1,000 up to ₱40,000
Repayment Period: 91 to 360 days
Annual Percentage Rate: 8% – 20%
Maximum APR: 36% or lower, including applicable interest and fees
Service Charge: ₱20 to ₱800 (a 2% fee on the loan amount)
Repayment Arrangement: Based on the final loan plan displayed in the app
Fees and Charges: Clearly shown before confirmation

Loan terms are determined individually after assessment. The final principal, duration, interest, service charges, repayment date, and total amount payable may differ depending on the approved offer.

Sample Loan Calculation:
For a ₱8,000 loan over 120 days, repaid in 4 installments at an APR of 16.48%:
Interest per Installment: ₱8,000 x 16.48% / 365 x 30 = ₱108
Installment Payment: ₱8,000 x 16.48% / 365 x 30 + ₱8,000 / 120 x 30 = ₱2,108
Total Interest: ₱8,000 x 16.48% / 365 x 120 = ₱433
Service Charge: ₱8,000 x 2% = ₱160
Total Repayment Amount: ₱8,000 + ₱433 = ₱8,433
Net Amount Disbursed: ₱8,000 - ₱160 = ₱7,840 (The service fee is deducted in advance)

The calculation above is provided as a reference example only. Users should refer to the final repayment information shown in Kalinaw Cash before accepting a loan.

Using Kalinaw Cash:

Submit Application
Provide the necessary information and complete the application process through the app.

View Offer Details
Review the approved amount, repayment period, interest, charges, due date, and total payment obligation.

Monitor Requests
Check the progress and status of submitted applications.

Review Loan