Income
25% of scorePayslips, a certificate of employment, ITR, or regular deposits if you freelance.
New · CashCat Second Chance Cats get nine lives.
Cats get nine lives.
You get a second chance.
Turned down for a loan? Show lenders what has changed — a new job, steady income, debts paid off. Collect the proof in one encrypted place and send it to a partner lender when your case is ready.
Start with Google
Same account as the cash exchange. No credit check. Free during the pilot.
Not yet — keep going
- Income
- Bank history
- Debt cleanup
- Work
- Identity
- Footprint
Example. Solid — what you've proven · light — still to go · dashed ring — lender-ready.
How it works
- 1
Build your proof
Add bank statements, payslips, a certificate of employment, letters that show a loan or card is closed. One place, encrypted.
- 2
Grow your readiness
Your rose shows six directions lenders care about. We tell you the next best step — and nudge you by email if you like.
- 3
Send it to a lender
Once you cross the line, send a secure link and a PDF report to a partner lender. They review it and decide as usual.
Six directions of a fresh start.
One document is a start, not a case. Lenders want to see the whole picture move.
Bank history
25% of scoreThree to six months of statements that show money coming in — and staying.
Debt cleanup
20% of scoreClearance letters for closed loans and cards, proof that overdue bills are settled.
Work
15% of scoreYour current job, the ones before, and how long you stayed. Stability counts.
Identity
10% of scoreA valid ID, a verified mobile number and proof of address.
Footprint
5% of scoreA complete profile and the links you choose to share, like LinkedIn.
Why the send button waits
A thin file gets a quick no. We wait until yours gets a real look.
Your dashboard always says what's missing and the single best step to fix it. When all three are true, the button opens.
- Readiness 70 or more — the dashed ring
- No direction under 40
- Income and bank history checked, not just declared
Optional email nudges — weekly, monthly or when a new statement is out.
Your documents stay yours.
Bank statements are some of the most private papers you own. We treat them that way — and you decide who sees what, every time.
- Encrypted file by fileEvery document gets its own AES-256 key before it is stored. Without our keys, the stored files are unreadable.
- Nothing is publicNo open file links. A lender opens a secure link only you create, for that lender only.
- Links expire14 days by default. Withdraw a link any time.
- Every view is loggedSee when a lender opened your file or downloaded the report.
- Delete for goodDelete a document and its key is destroyed with it.
- Data Privacy ActProcessed with your consent under RA 10173.
Questions?
An honest promise
We can't promise a yes — the lender decides. We promise your effort gets seen, in a format lenders can check. And every loan you then repay on time builds a better credit history.
My loan was rejected. What should I do first?
Ask the lender for the reason if they give one, then get your credit report and check it for mistakes. Settle or restructure overdue accounts and ask for a certificate of full payment. Build a few months of steady income in your bank account before you apply again — Second Chance collects exactly this proof in one place.
How do I get my credit report in the Philippines?
Your report comes from the Credit Information Corporation (CIC). You can request it through accredited channels such as the Lista app (CIBI), the CreditMo app, CRIF Philippines by email, or the CIC Direct-to-Consumer program on creditinfo.gov.ph. Most charge a small fee. Wrong or outdated entries can be disputed through the CIC online dispute process.
Does Second Chance fix my credit record?
No. We do not change CIC records and we are not a credit score. Mistakes are fixed by the lender or through a CIC dispute; paid accounts update when the lender reports them. Second Chance shows lenders what changed since then, with documents they can check.
Will this affect my credit score?
No. We never pull your credit report. A lender may run its usual checks only after you send them your file.
Who can see my documents?
Only you — until you create a secure link for a specific lender. You choose which documents go into it, and you can withdraw the link at any time.
Is approval guaranteed?
No. The lender makes the decision, with its own rules. Second Chance makes sure your progress is seen, in a format lenders can check.
Why can’t I send my file right away?
A thin file usually gets a quick no. The send button opens when your readiness reaches 70 and no direction is below 40, so a lender sees a real case.
How long does it take?
It depends on where you start. Most people need a few months of bank statements and one or two letters about old debts.
Does it cost anything?
It is free during the pilot.
Start your comeback
Start with GoogleSet up takes three minutes. Add documents whenever you're ready.
CashCat is not a lender and does not make credit decisions. Second Chance helps you organise documents and share them with lenders you choose. Approval, rates and terms are set by each lender. The readiness score measures how complete and checked your documents are — it is not a credit score.