Cashspace review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Cashspace suits Philippine borrowers with poor credit who need a small sum quickly and can clear it fast.

Key facts

Best for
Small, short, fast-funded borrowing where a hard credit check is acceptable.
APR
₱12 to ₱36 (Source, checked September 26, 2026)
Loan amount
₱500 to ₱25,000 (Source, checked September 26, 2026)
Term
2 to 4 months (Source, checked September 26, 2026)
Arrangement fee
0 (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Funds within 5 minutes; most approved applicants receive the money the same day (Source, checked September 26, 2026)
Representative example
Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Applicants in the Philippines, valid ID required (Source, checked September 26, 2026)
Loan types
Personal, Payday, Credit-line (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Fininity OU (Source, checked September 26, 2026)
Headquarters
Estonia (Source, checked September 26, 2026)
Support channels
Email, Help-centre, Community (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
cashspace.es

Pros and cons

Pros

  • No origination fee, listed at 0 on personal, payday and credit line products.
  • Money moves fast: funds within a few minutes and most approved applicants are paid the same day.
  • APR of PHP 12 to PHP 36 starts below the personal loan site median of 12%.
  • Open to applicants with poor credit, and the credit check is hard rather than a soft prequalification.
  • Personal loans, payday lending and a revolving credit line sit under one broker.

Cons

  • Term of 2 to 4 is short, so a missed payment can land quickly on a small balance.
  • The credit check is hard, so an application puts a full search on the record.
  • Support runs on email, help centre and community only, with no phone line or live chat listed.
  • Cashspace is a broker, so the rate you are offered depends on which lender it places you with.
Cashspace

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Who it suits

  • Philippine residents with a valid ID who hold a thin or damaged credit file
  • Borrowers who can settle a small balance within the short 2 to 4 window
  • Anyone who needs a same-day payment and accepts a hard credit check

Who should look elsewhere

  • People who need a long repayment term, since 2 to 4 caps the loan short
  • Anyone wanting phone support, given email, help centre and community lists none
  • Borrowers who would rather deal with a single lender than a broker

What borrowing costs

Cashspace charges an origination fee of 0 on the products it lists, so the interest rate is the main cost of taking a loan here. The APR runs PHP 12 to PHP 36, and the representative example shows a modest loan cleared over a short window for a total repayment only a little above the amount borrowed. That example sits near the lower end of the personal loan field on the site, where the median APR is 12% and the upper quartile reaches 24.92%. Because the fee is set at 0, the gap between an offer and a refusal is driven by the rate the broker secures rather than by setup costs on the Cashspace side. The same PHP 12 to PHP 36 range applies across the personal, payday and credit line products, so the deciding factor is how much you borrow and how quickly you clear it.

How your money is protected

Cashspace is a broker, not the lender that ends up holding the loan, so the contract you sign sits with whichever partner is matched to you. The representative example on the site shows a small loan settled over a short window for a total repayment only slightly above the sum borrowed, which is the clearest published picture of what you commit to. No regulatory licence or protection scheme is stated for the Philippines market, so the claim you are owed would come from the lender Cashspace introduces you to rather than from the brand itself. Read the partner's terms before you accept an offer, and confirm the fee, the rate and the repayment dates in writing on the offer itself.

Application and funding speed

Funding time is Cashspace's clearest strength. Money can arrive within minutes, and most approved applicants receive it the same day. Borrowing runs PHP 500 to PHP 25,000, which is a small-loan range, and the term of 2 to 4 is short, so the product is built for a bill, an emergency or a gap between paydays rather than a large planned purchase. The same-day promise sits well above the payday lending norm on the site, where 96.1% marks how much of that category funds on the day. The size of a loan matters here: the cap on PHP 500 to PHP 25,000 limits how much a single arrangement can cover.

The company behind it

The brand operates as Fininity OU, a broker rather than a direct lender, which explains why offers vary between applicants. Its headquarters country is listed as Estonia, so the contracting entity sits outside the Philippines even though applicants there are the ones being served. Eligibility is set for applicants in the Philippines with a valid ID, which makes the documentation side of an application straightforward. Support runs on email, help centre and community, so questions are handled in writing or through the help centre rather than by phone.

How Cashspace compares

Where Cashspace is available

Available
Philippines

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Cashspace charge to take out a loan?+

Cashspace lists an origination fee of 0, so there is no separate setup charge on the products it offers. The cost of a loan therefore rests on the rate. The APR runs PHP 12 to PHP 36 across the personal, payday and credit line products, and the published example shows a small loan cleared over a short window for a total repayment only slightly above the sum borrowed.

How much can I borrow and how long do I have to repay?+

Borrowing runs PHP 500 to PHP 25,000, which is a small-loan range, and the term of 2 to 4 is short. That pairing suits an unexpected bill or a gap between paydays. It is not built for a large planned purchase, and the short term means a missed payment can arrive sooner than expected.

How fast do I get the money?+

Cashspace says funds can arrive within minutes, and most approved applicants are paid the same day. The hard credit check is the main gate on that speed, and the short 2 to 4 term means the loan is designed to clear quickly. Same-day funding is a standard feature of payday lending on the site, so Cashspace competes on the size it offers rather than on speed alone.

Does Cashspace do a credit check?+

The credit check is hard, which means a full search is recorded when you apply. Cashspace does work with applicants whose credit is poor, so the bar is lower than at many mainstream lenders, but the search itself is permanent on your file. Applicants in the Philippines with a valid ID are eligible, and approval is decided by the lender the broker pairs you with.

Is Cashspace regulated and is my money protected?+

Cashspace operates as a broker, Fininity OU, with its headquarters listed in Estonia. No regulatory licence or protection scheme is stated for the Philippines market, so any claim you are owed would rest with the partner lender rather than with the brand. Read the offer from the matched lender carefully before you accept, and check the fee, rate and repayment dates on the offer itself.

Who can apply?+

Eligibility is set for applicants in the Philippines who hold a valid ID, which keeps the paperwork simple. Cashspace also lists poor credit as acceptable, so a thin credit file does not rule you out. The broker structure means the final approval and the rate you are given come from whichever lender you are matched with, not from Cashspace directly.

What kinds of loan does Cashspace offer?+

Cashspace covers personal loans, payday loans and a revolving credit line, so short and longer products sit under one roof. The PHP 12 to PHP 36 range applies across them, and the origination fee of 0 is the same. A credit line is useful if the need comes and goes, while a personal loan suits a single lump sum that you want to clear inside the 2 to 4 term.

How do I get help after applying?+

Support runs on email, help centre and community, so help arrives in writing or through the help centre rather than by phone or live chat. There is also a community option for questions from other users. For a loan running only 2 to 4, it is worth asking about your repayment dates early by email so the answers are on record before the first instalment.

Sources

  • cashspace.ph checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Features, Funding time, Loan types, Arrangement fee, Representative example, Term

    “Lending rates vary from lender to lender in the range from 12% to a maximum APR of 36%.”

  • cashspace.ph/terms-and-conditions checked September 26, 2026

    Backs: Credit check, Eligibility, Headquarters, Legal entity, Lender type, Support channels

    “The Lender or Provider may employ credit referencing and fraud prevention agencies to inform relevant decisions.”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

Cashspace

Cashspace

Small, short, fast-funded borrowing where a hard credit check is acceptable.

8.9/10Visit

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