Frequently Asked Questions

Robocash PH is an online loan matching platform that helps Filipinos find the best cash loan offers from SEC-registered lending companies. We are not a lender ourselves. Our service is completely free and helps you find the best interest rates, loan terms, and promotional offers from trusted lending partners all in one place.

No, Robocash PH is not a lending company. We are a loan matching and affiliate platform. We partner with SEC-registered lenders to show you the best available loan options. When you click "Apply Now," you are redirected to the lender's own website to complete your application directly with them.

Yes, using Robocash PH to find and apply for loans is completely free. We earn a commission from our lending partners when you successfully obtain a loan through our platform. You will never be charged any fee for using our loan matching service, browsing offers, or using our loan calculator.

Simply use our loan calculator on the homepage to select your desired loan amount and repayment term. We then display the best available offers from our partner lenders, showing you interest rates, fees, maximum amounts, and current promotions. You can review the offers and click "Apply Now" to go directly to the lender that best fits your needs.

The basic requirements are: (1) Filipino citizen aged 21 to 70 years old, (2) Valid government-issued ID such as PhilSys, UMID, passport, or driver's license, (3) Active Philippine mobile number for OTP verification, and (4) A bank account or e-wallet (GCash or Maya) for receiving the loan funds. Some lenders may have slightly different age ranges or additional requirements.

No, most online lenders in the Philippines do not require a credit history or credit score. Many use alternative credit scoring methods based on the information you provide in your application. This means even first-time borrowers with absolutely no credit history can qualify and get approved for a loan.

Most online lenders do not require formal proof of income (such as payslips or ITR) for first-time borrowers applying for smaller amounts. Self-employed individuals, freelancers, and even those without formal employment may qualify. However, some lenders may ask for basic employment information during the application form. For larger loan amounts, income verification may be required.

Yes, absolutely. Most online lenders accept applications from self-employed individuals, freelancers, small business owners, and independent contractors. You do not need to be formally employed by a company to qualify. Simply provide accurate information about your source of income and estimated monthly earnings during the application process.

Interest rates vary by lender and your borrower profile. Many of our partner lenders offer 0% interest on your very first loan as a promotional offer. For repeat borrowers, daily rates typically range from 0.1% to 1%. The annual percentage rate (APR) can range from 73% to over 700% depending on the lender, loan amount, and term. Always check the total repayment amount shown before accepting any loan.

Reputable SEC-registered lenders are required to disclose all fees and charges upfront before you accept the loan. Common fees may include a processing fee (deducted from the disbursed amount), late payment penalties, and loan extension charges. Our partner lenders are committed to full transparency. We always recommend reading the complete loan agreement carefully before signing.

First-time borrowers can typically borrow between PHP 1,000 and PHP 10,000, depending on the lender. As a repeat borrower with a good payment history, your credit limit increases over time. Some lenders offer up to PHP 25,000 or even PHP 50,000 for trusted returning customers with excellent repayment records.

Loan terms vary by lender and range from 7 days to 12 months. Short-term loans (7 to 30 days) are common for smaller amounts and are typically repaid in a single payment. Larger loan amounts may come with longer terms of 3 to 12 months, often with installment repayment options. Use our loan calculator to find the term that best suits your budget.

The online application form takes about 5 to 10 minutes to complete. After submission, most lenders use automated AI-powered systems that process applications within 5 to 15 minutes. The entire process from starting the application to receiving money in your account can take as little as 30 minutes.

Once your loan is approved and you accept the offer, fund disbursement is very fast. GCash and Maya transfers are typically instant (1 to 5 minutes). Bank transfers usually take 15 minutes to 1 hour during banking hours. Some lenders even offer 24/7 instant disbursement to e-wallets.

Yes, you can submit your online loan application at any time, 24 hours a day, 7 days a week, including weekends and holidays. However, approval and disbursement times may vary. Applications submitted during regular business hours (Monday to Friday, 9 AM to 5 PM) tend to be processed and disbursed faster.

If one lender rejects your application, you can try applying with a different lender through Robocash PH. Each lender has unique approval criteria, so a rejection from one does not mean you will be rejected by all. Common reasons for rejection include incorrect personal information, blurry ID photos, or existing unpaid loans. Correcting these issues before reapplying typically improves your approval chances significantly.

You can repay through multiple convenient channels: GCash, Maya, bank transfer (BDO, BPI, Metrobank, UnionBank, etc.), 7-Eleven, Bayad Center, Cebuana Lhuillier, and other payment centers. E-wallet payments are processed almost instantly, while over-the-counter payments may take 1 to 2 business days. Visit our How to Repay page for detailed step-by-step instructions for each method.

Yes, most online lenders in the Philippines allow and even encourage early repayment without any prepayment penalties. Paying off your loan early can save you money on interest (since many lenders charge interest daily), increase your credit limit for future loans, and improve your credit score. We highly recommend early repayment whenever your budget allows.

Late payments result in penalty fees (typically 1% to 2% per day on the overdue amount), collection calls, and negative credit reporting. If you know you cannot make a payment on time, contact the lender before the due date. Most lenders offer extensions or payment plans for borrowers who communicate proactively. Ignoring the problem only makes it worse.

Yes, most lenders offer loan extension options for a fee, usually ranging from 1% to 5% of the outstanding loan amount. Extensions typically add 7 to 14 additional days to your repayment deadline. To request an extension, log in to your lender's app or website or contact their customer support before your payment is due. It is always better to request an extension than to simply miss a payment.

Yes, your privacy and security are our top priority. Robocash PH uses SSL encryption to protect all data transmitted through our platform. All of our partner lenders are compliant with the Data Privacy Act of 2012 (Republic Act 10173) and are registered with the National Privacy Commission (NPC). Your personal information is never shared with third parties without your explicit consent.

You can verify any lending company's SEC registration by visiting the official SEC website at sec.gov.ph and checking their public list of registered lending and financing companies. You can also call the SEC hotline at (02) 8818-6337. All lending partners featured on Robocash PH have been verified as properly registered with the SEC.

Under Philippine law, lending companies are strictly prohibited from harassing borrowers, making threats, using abusive language, or contacting your personal contacts (family, friends, colleagues) for collection purposes without legal basis. If you experience any form of harassment, you should: (1) Document the incident with screenshots and recordings, (2) File a formal complaint with the SEC through their online complaint portal, (3) Report to the National Privacy Commission if your data was misused, and (4) Contact the DTI consumer hotline at 1-DTI (1-384).

Legitimate SEC-registered lenders should not access your personal contacts, photo gallery, or phone files without your explicit and informed consent. The SEC has issued strict guidelines (SEC Memorandum Circular No. 18, Series of 2019) against unauthorized data collection by lending apps. If a lending app requests excessive permissions such as access to your contacts, messages, or gallery, consider this a major red flag. Report such apps to the SEC and the National Privacy Commission immediately.