cashcat
Find my loan
Only SEC-registered lenders · Philippines

Find a loan that lands on its feet.

One short form, every matching offer. CashCat compares online lenders side by side and shows the real total to repay — before you apply.

  • Free to compare
  • No spam calls
  • Payout to GCash, Maya or bank
Sending money home? Compare today’s exchange rates Paying a credit card? See what 3% a month really costs Have dollars in cash? Swap them safely with real people
Step 1 of 3 · Your loan
₱1,000 – ₱50,000
₱8,000
For how long?
Do you have a bank account?

You'll see the full cost of every offer before you leave CashCat.

Curious like a cat. Careful like one too.

We sniff out the fine print so you don't land in a loan you can't climb out of.

Match score

Every offer ranked for you — not for who pays us most.

Lender A
92
Lender B
81
Lender C
64

SEC-checked

Certificate of Authority number shown on every offer card.

₱0

Always free

Lenders pay us. You never do — no fees, no upsells.

Repay anywhere

7-Eleven, GCash, Maya, bank transfer — filter by what's near you.

The honest number
You borrow
₱8,000
You repay, all-in
₱[total]

Interest, service fees and penalties in one number. No surprises at the counter.

Pick by speed

See typical payout time per lender and sort by it.

Three steps. No nine lives needed.

  1. 01

    Tell us what you need

    Amount, term and a few details. That's enough to start.

  2. 02

    Compare real offers

    Ranked by match, total cost and payout speed. Shortlist and compare side by side.

  3. 03

    Apply with the lender

    We pass you to the lender's own page. Your details are pre-filled where they allow it.

New · Exchange rates

Compare the best exchange rates to the Philippines.

Sending padala from abroad? We compare FX rates and fees from transfer apps and banks — Remitly, Wise, Western Union, Xoom and more — and show how many pesos your family actually gets. Updated daily, free.

On 1,000 USD today, the best and worst exchange rates differ by ₱2,943.

Compare ratesSet an FX rate alert
Send 1,000 USD → family gets1 USD = ₱63.49
  1. XoomCat’s pick₱63,659
  2. Instarem₱62,894
  3. Remitly₱62,864
New · Cash exchange

Swap dollars for pesos with real people.

Travelers, locals and registered money changers post cash offers near you — USD, EUR, GBP and more. Pick a fair rate, agree in the chat, meet in a mall or bank lobby. Free for personal swaps.

  • Verified Google accounts
  • Rates checked vs market
  • Safe public spots only
  • Reviews only after real deals
Browse cash offersPost an offer

CashCat is an information board only — we never hold or move your money. Deals happen in person.

  1. Find a fair rateEvery offer is checked against today’s market rate.
  2. Agree in the chatRate locked, exact spot unlocks when accepted. No links, no scams.
  3. Meet in a safe spotMalls, bank lobbies, changer booths. Count the notes together.
New · Credit card guide

What does your credit card really cost?

3% a month sounds small. Our interactive guide turns a bank’s fee table and sample computation into a calculator — change the amounts and how you pay, and see the interest, the minimum due trap and the fees that are easy to avoid.

Try the calculatorCredit card fees explained
₱20,000 of spending at 3% a month — interest by how you pay
  1. Pay in full every monthpaid off in 2 payments₱551
  2. ₱2,000 twice, then the restpaid off in 4 payments₱1,554
  3. ₱2,000 every monthpaid off in 1 year 2 mo₱4,108
  4. Minimum due onlypaid off in 3 years 8 mo₱15,739

Today's top picks

See all offers →
ALender A
Cat's pick
Up to
₱25,000
Term
7–180 d
Payout
~15 min
View offer
BLender B
0% first loan
Up to
₱10,000
Term
7–30 d
Payout
~1 hr
View offer
CLender C
No bank needed
Up to
₱20,000
Term
3–12 mo
Payout
Same day
View offer

Cat's guides

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Home credit cash loan. What is it and how to apply

Home Credit is an international banking group established in the Czech Republic and based in the Netherlands now. The company has several branches around the globe. Particularly, there’s a bank called Home Credit Philippines – it operates online and offline, provides different finance options, and attracts customers with easy-to-get loans.

2 min read · Oct 21, 2026

How to know my SSS ID number?

SSS ID or Social Security System ID is one of the most frequent requirements in any transaction these days. Whether applying for work or for personal finances, it’s almost 100% guaranteed that you will need to provide your SSS number. In fact, one of the biggest challenge to our customers is providing their SSS ID number as a type of personal identification. They either lost their SSS ID card, forgot or didn’t feel the need to memorize their ID number. It’s totally understandable since this type of identification wasn’t a mandatory requirement in the past.

10 min read · Oct 21, 2026

Chinatrust Bank Salary Stretch Personal Loan Overview

Chinatrust Bank aka CTBC is one of the largest financial corporations in Taiwan with about 151 branches. And this without mentioning Chinatrust Bank 250 branches overseas. This is not just an ordinary office, but a huge company with international influence.

Questions?

No. CashCat is a free comparison service. The loan agreement is always between you and the lender you choose.
cashcat

Free loan matching service for the Philippines. A trading style of HOWPO OÜ.

[email protected]+372 5846 1868

Legal & consumer information

Cashcat is a trading style of HOWPO OÜ. Howpo OÜ advertises, aggregates, and compares financial service products offered by banks, NBOs and other lending operators. We are a credit broker and not a Lending Operator and offer credit facilities from a panel of lenders.

Legal name
Howpo OÜ
Registry code
14855426
Registered address
Tornimäe tn 7-132, Kesklinna district, Tallinn 10145, Estonia
Email
[email protected]
Phone
+372 5846 1868

Consumer advisory

Cashcat is a loan matching service. This site will submit the information you provide to a direct lender. Upon application approval, a direct lender will require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

We only work with direct lenders approved and certified by the financial regulator (sec.gov.ph). Always check if the lending company is authorised by SEC to operate as a Lending Operator — see the SEC list of lending companies with a Certificate of Authority. Our partners always have physical offices in the Philippines.

Cashcat advertises loan offers of companies with the following certificates (but not limited to mentioned below):

  • Certificate of Authority No. 1181
  • Certificate of Authority No. 1254
  • Certificate of Authority No. 1150

Warning

Late or missed loan payments may be subject to increased fees and interest rates and can cause you serious money problems. Lenders may use collection services for non-payment of loans.

Representative example

Loan amount
₱20,000
Term
6 months
Monthly payment
₱5,000
Cost per month
₱1,667
APR
143%

You apply for PHP 20,000 and choose comfortable repayment over 6 months: your monthly payment will be PHP 5,000, so the cost of the loan will be PHP 1,667 per month (APR = 143%). Refer to the Terms & Conditions of a Lending Operator to understand the full product details.

Associated fees

Loan terms, conditions and policies vary by lender and applicant qualifications. Not all applicants will be approved for their requested loan amounts or advertised interest rates. Loan repayment periods vary by lender and applicant qualifications also.

General requirements

Loans available to over-18s only, subject to status. Not all borrowers will qualify for a loan. The operator of this website does not engage in any direct consumer lending — we simply provide a FREE loan matching service to the public. To operate this service we receive a commission from the lender we refer you to.

  • Cashcat will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search.
  • All applications will be subject to credit checks and affordability assessments in line with responsible lending.
  • Once approved, your cash could be in your account in minutes. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.
  • There are different companies on the market and some websites are operated by bad actors. Beware of scams! Cashcat services are FREE. Never our employees or anyone associated with Cashcat (HOWPO OÜ) will require you to pay any fees.