If you’re considering borrowing from Cashmore, you might be wondering whether this loan app is legit or a scam, if it’s SEC registered, and whether users have reported harassment complaints. This detailed review provides the latest 2025 updates on Cashmore loan app, including its SEC registration status, interest rates, loan terms, and customer feedback to help Filipinos make a safe decision before applying.
What is Cashmore Loan App?
Cashmore is a Philippines-based lending app that offers short-term cash loans to users through mobile devices. It targets individuals needing quick money for emergencies such as bills, tuition, or medical expenses. The Cashmore lending app claims to provide fast approval and instant disbursement directly to your bank or e-wallet, making it part of the growing trend of safe online loans in the country.
Borrowers can access Cashmore through its Android APK download, or sometimes via web-based portals. The app may not always be available on Google Play or Apple App Store due to ongoing SEC investigations or revoked registrations that affect several similar apps.
Is Cashmore SEC Registered or Revoked?
One of the key concerns for Filipino borrowers is whether Cashmore is SEC registered. As of 2026, no verified record of Cashmore appears on the official Securities and Exchange Commission (SEC) Philippines database. Apps that are not registered or whose licenses have been revoked are not legally allowed to operate as lending platforms.
If Cashmore was previously registered, its SEC registration number may have been revoked or expired, a common issue among online lending apps in the Philippines. Therefore, users should verify its current status on the official SEC website before borrowing.
Cashmore Harassment Complaints and Victim Reports
Many borrowers have raised Cashmore harassment reviews on Reddit, Facebook, and Tagalog forums. Common complaints include:
- Aggressive collection practices – Borrowers report receiving threats or spam messages from collectors.
- Access to personal contacts – Some users claim the app accessed their phonebook to contact relatives and coworkers.
- Fake legal warnings – Victims said they received intimidating messages pretending to come from lawyers or police.
Such practices are illegal under the Data Privacy Act and the Lending Company Regulation Act in the Philippines. If you’re a victim of harassment, report it immediately to the National Privacy Commission (NPC) or SEC Enforcement Division.
Cashmore Loan Details: Interest Rate, Amount, and Requirements
Despite complaints, Cashmore still attracts borrowers with its fast loan approval and minimal requirements. Here’s an overview of typical loan terms (based on user feedback and past app data):
- Loan amount: ₱1,000 – ₱15,000 for first-time borrowers
- Loan term: 7 – 30 days
- Interest rate: Ranges from 15% to 35% monthly, depending on your profile
- Processing fee: Up to 10% deducted from the disbursed amount
- Requirements: Valid ID (e.g., UMID, PhilID, Driver’s License), proof of income, and active bank account or GCash
Repayments can usually be made through GCash, Maya, 7-Eleven, or bank transfer. However, users have reported difficulties logging in, payment posting delays, and poor customer service when trying to confirm successful payments.
Is Cashmore Legit or a Scam in 2026?
Given the lack of verified SEC registration, numerous harassment complaints, and reports from victims online, Cashmore’s legitimacy is highly questionable. While some users have successfully borrowed and repaid loans, others faced unethical collection tactics and data privacy breaches.
If you are searching for safe online loans in the Philippines, it’s better to borrow from verified lending apps that are officially SEC-registered and have transparent interest rates. Always double-check an app’s registration number and read reviews before downloading the APK for Android or iOS.
Tips Before Borrowing from Any Loan App
- Check SEC registration – Use the official SEC portal to confirm legitimacy.
- Read real user reviews – Reddit and Facebook groups often reveal real experiences.
- Avoid apps requesting contact access – Legit lenders won’t demand access to your phonebook.
- Use official payment channels only – To avoid overpayment or scams.
- Keep screenshots of all transactions – Useful for complaints or investigations.
Final Verdict
In conclusion, Cashmore loan app appears risky and possibly unregistered with the SEC. Multiple harassment complaints and unclear company ownership make it unsafe for most borrowers in the Philippines. If you value privacy and legal protection, choose a verified SEC lending company instead.
While Cashmore may seem like an easy cash solution, its potential for abuse and harassment outweighs the benefits. Always prioritize safety, transparency, and legal compliance when borrowing money online.
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