The OGives loan ceiling. Borrow only what your emergency calls for.
Introducing OGives.
Interest-free emergency cash, when life can't wait.
Every Filipino deserves access to emergency funds without being exploited by high interest rates or aggressive collection. OGives is built on that conviction — interest-free, service-fee-free, and harassment-free, by design.
Download Cashoyo to Apply
The Numbers That Matter
Repay over a comfortable window — choose the term that fits your situation.
Zero interest before your due date. Zero service fees from OGives. Walang hidden charges talaga.
How OGives Works in 3 Steps
Step 01
Download Cashoyo and verify yourself
A few personal details and a valid government-issued ID — that's it.
Step 02
Apply during the next OGives session
Choose your amount and repayment term in the app, then submit.
Step 03
Funds in your GCash, so fast
Once approved, the cash is on its way to your linked GCash account.
OGives operates on limited daily lending sessions to keep the program sustainable. The app shows you when the next session opens.
Fees and Charges
| Item | Amount |
|---|---|
| Interest and service fees from OGives, before maturity | 0% — always, no exceptions |
| Maximum APR before maturity | 0% |
| APR after the due date | An effective APR may apply, varying with the duration of the delay |
| Convenience fee | A small fixed amount charged by the third-party payment gateway, not by Cashoyo. Disclosed in the app before you confirm. |
| Late fee | Capped by policy. The exact figure is shown in the Cashoyo app and on every loan agreement before you sign. |
Every cost is disclosed in the Cashoyo app before you confirm any transaction. Nothing surprises you afterward.
Our Commitments
0% interest before your due date
Always. No exceptions.
0%0 service fees from OGives
What you borrow is what you repay. Aside from the small third-party gateway fee, fully disclosed before you confirm.
00 harassment, ever
No threatening messages. No calls to your contacts. No pressure outside the app.
00 hidden charges
Every cost is disclosed in the app and on your loan agreement before you sign.
0Frequently Asked Questions
Is OGives really interest-free?
Yes. Interest and service fees from OGives are 0% before your due date — always. The only third-party cost is a small convenience fee charged by the payment gateway, fully disclosed in the app before you confirm.
How does OGives make money, then?
OGives does not profit from interest or fees. It is a welfare-oriented financial safety net operated by Philippine Cashtrout Lending Corporation. The Cashoyo app sustains itself through other means; OGives is its flagship public service.
When can I apply?
OGives operates on limited daily lending sessions. Open the Cashoyo app to see when the next session is scheduled and whether the current session is still open.
How fast does the money arrive?
Once approved, funds are transferred to your GCash account quickly — often within minutes.
Where do funds get sent?
To your GCash account, registered under the same mobile number you use for Cashoyo.
What happens if today's session is full?
The app will tell you right away. Please come back the following day — your eligibility carries over.
Will Cashoyo call my contacts if I'm late?
No. Zero harassment is built into the app: no threatening messages, no calls to your contacts, no pressure outside the app. We rely on transparent disclosure, late-fee caps, and CIC credit reporting under R.A. 9510 — not aggressive collection.
Can I repay early?
Yes. Repay anytime before your due date in the app. There's no early-repayment fee, and on-time or early repayment keeps you in good standing for future sessions.
Ready to apply for OGives?
Download Cashoyo and complete your verification before the next session opens.
Download Cashoyo