cashcat.
Find my loan

Terms & Conditions

Service Description

Cashcat (https://cashcat.ph) is a loan offers comparison web service on the Internet.

Cashcat has no apps (native applications) on other platforms like iOS, Android, etc. Cashcat provides comparison service only via Internet website https://cashcat.ph.

Cashcat IS NOT an online lender. Cashcat doesn't have any permissions from SEC for online lending services to end-users and never engaged in such activities.

Cashcat advertises, aggregates, and compares financial service products offered by banks, insurance providers, lending companies and other financial institutions.

Cashcat is free for end-users. Cashcat has no any technical feature to receive money from end-users.

By accessing the website at cashcat.ph, you are agreeing to be bound by these terms of service, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Cashcat's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

  • modify or copy the materials;
  • use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
  • attempt to decompile or reverse engineer any software contained on Cashcat's website;
  • remove any copyright or other proprietary notations from the materials; or
  • transfer the materials to another person or "mirror" the materials on any other server.

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Cashcat at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

Disclaimer

The materials on Cashcat's website are provided on an 'as is' basis. Cashcat makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Further, Cashcat does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

Limitations

In no event shall Cashcat or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Cashcat's website, even if Cashcat or a Cashcat authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Accuracy of materials

The materials appearing on Cashcat's website could include technical, typographical, or photographic errors. Cashcat does not warrant that any of the materials on its website are accurate, complete or current. Cashcat may make changes to the materials contained on its website at any time without notice. However Cashcat does not make any commitment to update the materials.

Links

Cashcat has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Cashcat of the site. Use of any such linked website is at the user's own risk.

Modifications

Cashcat may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these terms of service.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws of Philippines and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.

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.