Updated September 29, 2026 · BorrowCue Editorial Team
CashX vs CashXpress
What sets them apart
| Compare |  CashX | CashXpress ReviewSee alternativesSee alternatives |
|---|---|---|
| Loan amount | LKR 5,000 to LKR 300,000 | ₱1,000 to ₱50,000 |
| Term | 5 to 30 months | 180 to 365 monthsHigher |
| Arrangement fee | Consulting and service fees, 0% to 2.2% per day | PHP 1,000 |
| Funding time | Money credited to bank account within two hours of approval | Funds within 24 hours of approval |
| Representative example | Borrow RS 10,000 over 10 days, repayment RS 12,200 in total | 10,000 PHP for 182 days at 700% APR, total to repay 38,999 PHP |
| Lender type | Direct lender | Broker |
| Eligibility | Age 18 to 60, employed or with a steady income, located in Sri Lanka (terms page: Sri Lankan citizens aged 20 or older, site for use within Sri Lanka) | 21-70 years old, Filipino citizen living in the Philippines, employed or with stable income, active mobile number, active bank account or e-wallet, one valid government ID |
| Loan types | Personal, PaydayCovers more | Personal |
| APR | Not confirmed | 0% to 726.35% |
| Credit check | Not confirmed | None |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit needed (Poor).
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Key differences
- CashX scores higher overall: 9.2 vs 9.1.
- Term is higher at CashXpress: 180 to 365 months vs 5 to 30 months.
- Support channels: only CashX offers Chat.
- Loan types: only CashX offers Payday.
Our verdict on each
CashX
CashX lends directly in Sri Lanka and pays out fast, with money reaching your bank account Money credited to bank account within two hours of approval. Borrowing suits employed adults who need a short personal or payday loan and want to clear it early without extra cost.
CashXpress
CashXpress suits employed Filipino adults with poor credit who need money quickly and face no credit check. Personal loans run PHP 1,000 to PHP 50,000 at an APR of 0% to 726.35%, funds arrive Funds within 24 hours of approval, and the headline cost is easy to underestimate once the origination fee is counted.
Score breakdown
| Area | CashX | CashXpress |
|---|---|---|
| Cost | 9.2 | 9.9Higher |
| Offer | 9.2Higher | 9.1APR 0% to 726.35% plus an origination fee of PHP 1,000: quick payout, weak on cost. |
| Trust | 9.2Higher | 8.3 |
Which one suits you
Pick CashX if trust and loan types matter most.
Pick CashXpress if cost and term matter most.
If neither fits
PayPay Bank has term at 3 to 1,000 months, against 5 to 30 months for CashX and 180 to 365 months for CashXpress.
PayPay Bank reviewHow they place
| Ranking | CashX | CashXpress |
|---|---|---|
| Personal loans | 443 of 1920 | 558 of 1920 |
| Loans for bad credit | 101 of 276 | 118 of 276 |
Every fact side by side
| Fact | CashX | CashXpress |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | A V Business Solutions (Private) Limited | Cash-Express Philippines Financing Inc. |
| Headquarters | Sri Lanka | Philippines |
| Support channels | Phone, Email, Chat, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | CashX | CashXpress | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 726.35%lowest quarter | 8.99 |
| Term | 5 to 30 monthsbelow the median | 180 to 365 monthshighest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
CashX
Pros
- Fixed rate borrowing, so the cost does not move while you repay: fixed
- Fast payout straight to a bank account: Money credited to bank account within two hours of approval
- Free early repayment, so settling sooner costs no extra fee
Cons
- Fees are heavy at the top of the range: Consulting and service fees, 0% to 2.2% per day
- The shortest representative example costs Borrow RS 10,000 over 10 days, repayment RS 12,200 in total
- Credit is aimed at poor credit files, which narrows who is likely to be accepted: poor
CashXpress
Pros
- No credit check, and poor credit is accepted, so a bureau score does not block the application.
- Funds Funds within 24 hours of approval, which matters when the need is an emergency.
- Licensed by the Securities and Exchange Commission (Philippines), with a named legal entity behind the site.
Cons
- CashXpress charges 0% to 726.35%, while the site's personal loan APR median is 12.25%.
- An origination fee of PHP 1,000 is added on top of the interest.
- The book is personal loans only, so a home improvement project has no secured route to a cheaper rate.
Who each suits
CashX
Who it suits
- Employed adults in Sri Lanka with a steady income who need money quickly
- Borrowers who can settle the balance early and want to pay no early repayment fee
- Anyone looking for personal and payday loans from a direct lender rather than a broker
Who should look elsewhere
- Anyone outside Sri Lanka, since the site is for use within Sri Lanka and applicants must be located there
- People wanting a large long term loan, since terms run 5 to 30 and amounts top out at LKR 5,000 to LKR 300,000
CashXpress
Who it suits
- Filipino adults with poor credit who are turned away by a credit check elsewhere, and who need PHP 1,000 to PHP 50,000 rather than a cheque from a bank queue.
- Borrowers weighing a broker with no credit check against cheaper lenders such as Cashspace at PHP 12 to PHP 36.
- People paying for home improvement work who need cash in hand faster than a normal bank turnaround.
Who should look elsewhere
- Borrowers after the cheapest rate: Cashspace ES lists an APR of 0%, far below 0% to 726.35%.
- Anyone who can pass a credit check and wants to borrow more cheaply: Cashspace at PHP 12 to PHP 36 or Monzo Flex at 10% to 23% costs less to owe.
- Applicants planning a long repayment: terms of 180 to 365 months mean that many months of interest at 0% to 726.35%.
Current offers
CashX
Current offer
Discount code
Exclusive offer! Interest from 0.01%: Interest from 0.01%
Source, checked September 26, 2026
CashXpress
Current offer
First period offer
Promo offer for New Customers (First Time Loan): 0% interest for the first 7 days
New customers, first time loan; then 1.99% per day for the rest of the loan duration; minimum term 180 days, maximum term 365 days
Source, checked September 26, 2026
Country by country
| Country | CashX | CashXpress |
|---|---|---|
| Philippines | No | Yes |
| Sri Lanka | Yes | No |
Questions about each
CashX
What does CashX charge for borrowing?+
CashX charges consulting and service fees, listed as Consulting and service fees, 0% to 2.2% per day. The worked example on the site shows Borrow RS 10,000 over 10 days, repayment RS 12,200 in total, which is the clearest way to see the true cost of a short loan. Work out the total you will repay before you sign.
How fast do I get the money?+
CashX states that Money credited to bank account within two hours of approval. Same day funding is one of the features of the service, so a payday style loan can cover a bill that cannot wait for a pay cycle. Approval still depends on the checks CashX runs.
CashXpress
How much does a CashXpress personal loan cost?+
The published representative example repays far more than it lends, so judge the offer on the total repay figure rather than the headline rate. Interest runs at 0% to 726.35%, and an origination fee of PHP 1,000 is charged on top, which makes a short loan expensive in absolute terms.
Does CashXpress run a credit check?+
There is no credit check, and applicants with poor credit are accepted. CashXpress works as a broker, so an application goes to lenders who set their own pricing, which is why the rate can land anywhere in the 0% to 726.35% range.