1. This promo runs from June 4, 2019 to August 31, 2019 at 11:59 PM (Philippine Standard Time).
  2. Cashalo registered users with complete user profiles (referred to as “Referrer”) can get P150 in Cash Rewards (Referred to as “Reward”) for every approved referral made within the Promo Period. An approved referral is a referral who used the link sent by the Referrer, applied for a loan, and got approved.
  3. Open to all registered Cashalo users, except employees and family members of Oriente Express Techsystem including their relatives up to second degree of consanguinity. Registration and completion of bank details can be done during the promo period.
  4. To register to Cashalo:
    • Download Cashalo via Google Play Store ( or iOS App Store (
    • Open the app and go to the ‘ME’ button at the bottom of the app home screen.
    • Enter your mobile number
    • A one-time verification code that is only valid for 5 minutes will be sent via SMS by CASHALO to your number. The message is “Your one-time Cashalo mobile verification code is [XXXXXX] valid for 5 minutes. Thank you.”
    • Enter the verification code on the app.
    • Create your password by inputting it twice.
    • Accept the terms and conditions.
  5. To register your personal information and bank details on your User Profile:
    • Input your personal information
      1. First name
      2. Last name
      3. Mother’s Maiden Name
      4. Citizenship
      5. Gender
      6. Birth date
      7. Marital Status
      8. Personal Email Address
      9. Nature of Work
      10. Educational Attainment
      11. Current address
    • Input your bank account details:
      1. Bank Account Name
      2. Bank Name
      3. Bank Account Number
      4. Qualifications for the bank account:
        • You are not allowed to use the bank account of another person.
        • Personal details of your bank account must be the same as your registration details.
        • Any discrepancy or mismatch will result to the forfeiture of any rewards under the program.
  6. To qualify for the cash reward, the Referrer must refer friends by using his/her unique Cashalo mobile application download link through the following steps:
    • Tap the ‘ME’ button at the bottom of your app home screen.
    • On the ‘ME’ app page, tap the ‘Invite Your Friends’ button.
    • Once redirected to the ‘Invite Your Friends’ page in the app, share the unique Cashalo download link through the following channels:
      1. Viber
      2. Messenger
      3. SMS
      4. E-mail
    • Once a referred friend has successfully downloaded the Cashalo mobile application, he/she must successfully register for a Cashalo account.
    • Once referred friend’s registration for the Cashalo account has been successful, he/she will be included on the user’s ‘Invite Your Friends’ list.
    • The Referred friend must apply for a loan through the Cashalo mobile application within the promo period. If the loan application is completed and approved within the Promo Period, you (the referrer) will receive the Php 150.00 cash reward. The reward will be transferred to your bank account within thirty (30) business days from the approval date of your referred friend’s loan application.
    • The Referrer will be notified once cash rewards have been disbursed to the account via SMS. He will receive the message from CASHALO “Hello <User Name> Cashalo has transferred <reward amount> from your reward account to your bank account. For more details, please go to: Cashalo App > Me > Rewards Account. Thank you!.”
  7. Only the first submitted loan application of the referred friend that is approved during the Promo Period grants the Referrer the cash reward.
  8. Cash rewards are non-transferrable.
  9. If the Referrer has a loan application that is rejected within the Promo Period, he/she will be disqualified from the joining promo.
  10. The Referrer will only be able to access ‘Invite Your Friends’ button again once disqualification has been lifted. Disqualification shall be lifted 30 days after the loan application was rejected.


Promo runs June 4, 2019 to June 30, 2019, extended until August 31, 2019 as approved by DTI-FTEB.

Per DTI-FTEB Permit No. 9827 Series of 2019.