Accessing credit can be difficult, especially for Filipinos with little or no credit history. Cashola Ai Partner Credit aims to provide a quick and easy lending option by leveraging technology and artificial intelligence. While Cashola offers convenience, it comes with a high price in the form of high interest rates. This article provides an in-depth look at how Cashola Ai Partner Credit works, its pros and cons, and tips for borrowers.


Cashola Ai Partner Credit is a mobile lending app aimed at Filipinos who need money quickly. It uses artificial intelligence and alternative data to provide personalized loan offers in minutes. Applicants only need an Android phone and a valid ID to apply.

Most important features:

  • Quick and easy loan application process
  • Loans from ₱5,000 to ₱100,000
  • Approval decision in minutes
  • Money deposited directly into bank account
  • Repayment terms up to 12 months

While Cashola offers easy access to credit, it comes at a cost, with interest rates starting at 7% per month. Borrowers must carefully weigh the benefits against the high repayment costs.

See more: Cashola Ai Partner Credit Rating

How Cashola Ai Partner Credit works

Cashola Ai Partner Credit simplifies the loan application process using technology:

Step 1: Download the app

Consumers first download the Cashola Ai app from the Google Play Store and register with their mobile number.

Step 2: Submit loan application

Applicants enter personal information including name, contact details, ID and employment status. An AI system analyzes this data in real time.

Step 3: Get approved

Upon approval, the loan amount and conditions are immediately displayed in the app. The money is deposited into the linked bank account.

Step 4: Repay the loan

Borrowers pay conveniently within the app based on the chosen payment term. Cashola aims to help improve credit scores.

Loan amounts and terms

Cashola offers flexible loan options based on individual circumstances:

Loan amount Term Interest rates
₱5,000 to ₱15,000 30 days 7% to 15% per month
₱16,000 to ₱24,000 90 days 7% to 10% per month
₱25,000 to ₱100,000 180 days 7% to 8% per month

Although convenient, the interest rates are very high compared to traditional sources of credit.

Is Cashola Ai Partner Credit legit or a scam?

Cashola Ai Partner Credit is a legit lending app registered with the Philippine SEC and part of the Fintech Alliance. However, there have been disturbing reports from users regarding issues such as login issues, delayed loan disbursements, hidden fees and exorbitant interest rates ranging from 7%. up to 15% per month, making loans extremely expensive. While Cashola Ai Partner Credit is not an outright scam, borrowers should exercise extreme caution, carefully evaluate repayment capacity before borrowing given the sky-high rates, and consider more affordable borrowing alternatives to avoid potential debt traps.

Advantages and disadvantages of Cashola Ai Partner Credit:

Positives Description
Simple application process Applying only takes a few minutes. Cashola’s technology eliminates lengthy forms and manual underwriting.
Fast approval and financing Applicants know in real time whether they have been approved after submitting an application. Accepted borrowers get cash deposited quickly.
Flexibility Cashola caters to people with no credit history and offers personalized loan amounts and terms.
Convenient refund The app allows borrowers to repay in installments from their phone, instead of having to visit a physical branch.
Can help build credit By repaying reliably, borrowers may be able to build a credit history to access better future offers.
Cons Description
Very high interest rates Interest rates range from 7% to 15% per month, equal to 84% to 180% APR. This makes borrowing very expensive in the long term.
Limited transparency Exact criteria for loan qualification and risk modeling are opaque. Requesters do not know how the AI ​​approves or denies requests.
Missed payments are expensive Penalties are charged if borrowers miss installment payments. This increases the total reimbursement costs even further.
Limited supervision As an app-based lender, Cashola lacks the regulation of traditional banks and lenders. There are risks for consumers.
Refunds can be difficult The short terms and high interest rates make repayment difficult for borrowers without stable income streams. Debt can snowball.

Tips for Cashola Borrowers

If you use Cashola Ai Partner Credit, here are some tips to protect yourself as a consumer:

  • Borrow only what you can afford to pay back on time to avoid fees.
  • Understand the total costs before accepting a loan offer.
  • Look at other options first, such as credit unions or peer-to-peer lending.
  • Provide only accurate information during registration.
  • If you have any refund or technical issues, please contact support.
  • Check your credit using free services like CreditInfo to check its impact.
  • File official complaints with regulators if you encounter predatory actions.
  • Please read all terms and conditions carefully before accepting an offer.

Although Cashola Ai Partner Credit offers easy access to loans, consumers must weigh the benefits against the very high costs and risks before applying. There may be cheaper loan alternatives available. If you do use Cashola, borrow at least and pay back on time.


Cashola Ai Partner Credit aims to offer fast small loans to Filipino consumers through simple mobile applications powered by AI. It brings convenience and technological improvements to the market.

However, behind the impressive apps, Cashola lending comes with steep fees in the form of interest rates ranging from 7% to 15% per month. Borrowers must repay 2 to 5 times the actual principal amount. Supervision of fintech lenders also remains limited.

In times of cash crunch, Cashola loans can provide urgent relief. But consumers should carefully assess repayment capabilities given the high costs involved. There may be cheaper alternatives such as credit unions available. Overall, borrowers should be extremely careful with app-based lenders like Cashola to avoid falling into the debt trap.

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