ENFIL

Cashguard

5.0 (1 reviews) · 33
Minimum amount₱2,000
Maximum amount₱85,000
Loan term120 to 365 days
Interest rateFrom 13.5% - 21.75%/year
Disbursement1 hour
RequirementsBorrowers must be over 18 years of age.
Cashguard
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Detailed information

Type of Loan
Fully digital, unsecured personal loan with no collateral required
Required Age
Applicants must be Philippine citizens between 18 and 58 years old
Income Criteria
A stable source of income is required to apply
Mobile Number Requirement
An active Philippine mobile number is needed for account registration and verification
Bank or E-Wallet Account
A supported bank account or e-wallet is required to receive the loan and make repayments
Documents Needed
A valid Philippine government-issued ID and the personal and income information required for identity verification
Initial Loan Amount
The first loan may start from ₱2,000, subject to the applicant’s credit assessment and approved offer
Available Loan Options
Each applicant receives a loan offer based on their profile, including the approved amount, repayment period, interest rate and applicable fees
Application Processing Time
The application can be completed in a few minutes, and eligible applications may be reviewed within minutes. Funds are released after approva
Service Charge
The service fee may range from 0% to 10%. The exact amount must be displayed before the borrower confirms the loan
Overdue Payment Fee
The late-payment fee is not publicly specified and may depend on the signed loan agreement. Review the disclosure statement before accepting the offer.
Loan Amount Range
₱2,000 to ₱85,000,
Interest rate for month 08/2026
21.30%/year·1.78%/month

Detailed review

Cashguard is an application that helps users in the Philippines apply for personal loans online directly from their iOS devices. The entire process is completed through a mobile phone, allowing customers to access financial support conveniently without visiting an office or preparing complicated paper documents.

The loan amount, repayment term, and interest rate are determined based on the applicant’s personal information, repayment capacity, and individual application assessment. Before confirming the loan, users should carefully review the approved amount, repayment schedule, applicable fees, and total amount payable.

Why Choose Cashguard?

  • Apply for a loan online using an iOS device.
  • Simple information submission and verification process.
  • No need to visit a physical office.
  • Loan terms are displayed before confirmation.
  • Application results are sent directly to the user’s phone.
  • Funds may be transferred to a bank account registered in the borrower’s name.
  • Customer support is available throughout the application and repayment process.

How the Application Works

Step 1: Download and install the Cashguard app on an iOS device.

Step 2: Create an account using an active phone number.

Step 3: Provide personal information, verification documents, and a bank account registered in your name.

Step 4: Select the desired loan amount and repayment term, then submit the application for review.

Step 5: Review the loan agreement, confirm the loan, and receive the funds if the application is approved.

Cashguard aims to provide users in the Philippines with a convenient, transparent, and secure loan application experience. Submitting an application does not guarantee approval. Customers should only borrow if they are able to make repayments on time.

Monthly Interest Rate Comparison: Cashguard vs Other Apps
Cashguard charges 1,78% interest per month — Higher than the market average (1,76%).
Square Lend1,74%
Market Average1,76%
Cashguard1,78%
Direct Loan1,8%
Market Interest Meter
1,78%
0,34% · Low1,76% · Average5,4% · High
Loan Cost Breakdown
Loan of ₱43,300 for 6 months at 1,78% monthly interest (declining balance).
T1
T2
T3
T4
T5
T6
Principal (₱7,217/month) Interest (Declining Balance) Total Repayment: ₱45,997

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