SEC-Licensed Lending CompanyWe will never call your contacts.
Period. No "emergency contact" calls. No outreach through your friends, family, or workplace.
OGives is Compliant
and Responsible.
Every Filipino deserves access to emergency funds without being exploited by high interest rates or aggressive collection. That conviction is why OGives exists — operated by an SEC-licensed lender, governed by Philippine credit-information law, and designed from day one as a welfare-oriented financial safety net rather than a profit-extraction product.
SEC-Licensed Lending Company
CIC Authorized Access Entity
Data Privacy Act Compliant
R.A. 9510 Aligned
Who Operates OGives
OGives is the flagship product of the Cashoyo app and is operated by Philippine Cashtrout Lending Corporation, a company duly registered and licensed by the Securities and Exchange Commission (SEC).
Operator of record
- Legal entity
- Philippine Cashtrout Lending Corporation
- SEC Registration No.
- CS201910407
- Certificate of Authority No.
- CA3015
- Office address
- 4/F Kings Court 1 Building, 2129 Chino Roces Ave., Pio del Pilar, Makati City, Metro Manila, Philippines
- Customer support
- support@cash-oyo.com
- Customer support hours
- 8:00 AM – 8:00 PM, Monday to Sunday
- Official website
- www.cash-oyo.com
A Welfare-Oriented Safety Net
OGives does not profit from interest or fees.
That isn't a slogan — it's the definition of the product.
OGives charges 0% interest before your due date, 0 service fees, and operates on limited daily lending sessions so the program stays sustainable for as many Filipinos as possible. The only direct cost you may encounter is the small convenience fee charged by the third-party payment gateway — disclosed in the Cashoyo app before you confirm any transaction. We built OGives this way because the alternative — high-interest emergency lending paired with aggressive collection — has caused real harm to Filipino households. A financial safety net should feel like one.
Fees and Charges
The Philippine fintech industry has a documented harassment problem.
We have the opposite.
We will never send threatening messages.
No collection scripts designed to intimidate. No language designed to humiliate.
We will never apply collection pressure outside your registered Cashoyo account.
Your repayment reminders are delivered through your own Cashoyo account — not through your social circle.
Regulatory Compliance
SEC-Licensed and SEC-Supervised
Philippine Cashtrout Lending Corporation operates as a registered and licensed lending company under the Securities and Exchange Commission, with SEC Registration No. CS201910407 and Certificate of Authority No. CA3015. Our operations — including our fee structure, disclosure standards, and consumer-protection posture — are subject to SEC supervision.
R.A. 9510 — The Credit Information System Act
Cashoyo is an Authorized Access Entity to the Credit Information Corporation (CIC).
In plain language:- We are authorized to query your credit report from the CIC and Special Accessing Entities, with your explicit consent captured during the OGives Essentials flow.
- We are required to report your OGives credit data — both positive and negative — back to the CIC. On-time repayment helps build your formal credit history; default damages it.
- If you default, the negative record will remain in the CIC database until fully settled, plus up to three (3) years, and will be visible to all financial institutions, potentially affecting future credit applications.
Data Privacy Act (R.A. 10173)
We process your personal data only for the purposes you have authorized, store it securely, and let you withdraw consent at any time.
Borrower Protections We Build In
Bill extension before due date
If you know in advance you'll be late, you can request a bill extension before your due date — directly in the app. Plan ahead and a missed payment never has to happen.
Late fees with a hard ceiling
If a payment becomes overdue, a late fee applies — capped by policy and disclosed in your loan agreement. No additional penalty beyond what's disclosed.
Every cost, disclosed upfront
Every fee is shown in the Cashoyo app and on your loan agreement before you sign. Nothing appears after the fact, and nothing is buried in fine print.
Trust is built.
Then it's downloaded.
Now that you know who's behind OGives and how it's protected, the only thing left is to download Cashoyo.
Download Cashoyo