Source: https://fintech.ph/listing/cashalo

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# Cashalo

Fast, affordable, and legit digital credit for Filipinos

[Lending](https://fintech.ph/category/lending) [Buy Now Pay Later](https://fintech.ph/category/bnpl) [Financial Inclusion](https://fintech.ph/category/financial-inclusion)

[Visit website](https://cashalo.com/)

- **Founded**: 2018
- **Headquarters**: Metro Manila, Philippines
- **Stage**: Private
- **Total raised**: ₱4.2B. From recorded rounds
- **Licences**: 2. SEC

## Overview

Cashalo is a Philippine fintech lending platform operated by Paloo Financing, Inc. that offers fast, collateral-free digital credit to unbanked and underserved Filipinos. Launched in 2018 as a joint venture between Hong Kong-based Oriente and JG Summit's Express Holdings, it provides cash loans and buy-now-pay-later installment financing through its mobile app, using alternative data and AI-based credit scoring for approvals in as little as minutes. Cashalo was acquired by US fintech Empower Finance (rebranded "Tilt" in 2025) in April 2024 and continues to operate under the Cashalo brand.

### Mission

To provide accessible credit solutions for the underbanked Filipino population.

### Products

- Cash Loans
- Buy Now Pay Later (Installments)
- Alternative-data Credit Scoring

### Serves

Underbanked Filipinos Online shoppers Consumers

## Funding and ownership

Total raised

₱4.2B

Sum of recorded funding rounds

Stage

Private

Parent organisation: Tilt (formerly Empower Finance, Inc.), USA — acquired Cashalo April 2024

### Investors and shareholders

Empower Finance / Tilt (parent, since 2024) Oriente (former) JG Summit / Express Holdings (former) Community Investment Management (debt)

Figures are calculated from the funding rounds recorded for this company.

## People

- Warren Hogarth Co-founder (Tilt, formerly Empower; parent company)

## Licences and certifications

- [SEC Financing Company (Paloo Financing, Inc.) — Reg. No. CS201800209, Certificate of Authority No. 1162](https://fintech.ph/licence/financing-companies) [Check: SEC lists of lending and financing companies](https://www.sec.gov.ph/lending-companies-and-financing-companies-2/)
- NPC-regulated; reports to the Credit Information Corporation (CIC)

Something out of date? [Suggest a correction](https://fintech.ph/contact)

## Contact and links

[cashalo.com](https://cashalo.com/)

- [facebook](https://www.facebook.com/CashaloPH/)
- [linkedin](https://www.linkedin.com/company/cashalo)
- [instagram](https://www.instagram.com/cashaloph/)

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[More in Lending](https://fintech.ph/category/lending)

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From fintech.ph, an independent directory of fintech companies in the Philippines, as of October 27, 2026. Please link to https://fintech.ph/listing/cashalo when citing this page.