SapexCash

SapexCash is a mobile financial service for eligible users in the Philippines. The application lets users submit a personal loan request, review loan information, follow application updates, check repayment obligations, and maintain borrowing records in one place.

The application process begins with submitting the information requested by SapexCash. Applicants may need to complete verification steps before their request can be assessed. Each application is reviewed based on the information provided, eligibility requirements, verification results, and other relevant criteria. If an applicant receives a loan offer, the applicable terms will be presented in the application for review before acceptance.

General Eligibility:

Provide complete and accurate information
Hold a valid government-issued ID
Have a receiving account in their own name
Be at least 18 years old
Reside in the Philippines
Have an active mobile number

Meeting the above conditions does not guarantee loan approval. Every application remains subject to verification, assessment, and the applicable approval process.

Loan Information:

Loan Term Lengths: From 91 days to 360 days
Loan Amount Options: ₱5,000 - ₱200,000
Annual Percentage Rate (APR): 8% to 25%
Maximum APR: 36% or below, including applicable interest and fees
Repayment: According to the repayment plan presented in the application
Service Charge: ₱50 to ₱2,000 (1% of the loan amount)
Fees and Charges: Disclosed before confirmation

The loan amount, duration, interest rate, applicable charges, repayment date, and total amount payable may differ depending on the result of each application. Users should rely on the final loan offer displayed in SapexCash for the terms applicable to them.

Loan Cost Example:

For illustration, consider a loan of ₱40,000 with a 90-day duration and an annual interest rate of 22.05%:
A ₱40,000 loan with a 90-day term requires three equal installments. The amount for each installment will be about ₱14,058. Each installment includes ₱725 in interest, resulting in a total interest of ₱2,175. The total repayment amount over the term is ₱42,175, while the service fee of ₱400 will be deducted upfront, leaving you with ₱39,600 as the net disbursed amount.

This example is for reference only. It does not represent a guaranteed offer or fixed repayment amount. The actual cost and repayment obligation will be determined by the final terms provided to the applicant in SapexCash.

What You Can Do in SapexCash:

Application Management
Complete and submit the information required for a loan request through the application.

Loan Details
Review the amount offered, applicable interest, fees, repayment period, due date, and total amount payable before accepting an offer.

Status Updates
Check the progress and current status of an application after submission.

Repayment Information
View scheduled repayment dates, amounts due, and relevant loan records.

Account Information
Access and maintain applicable personal