How we works?

This is a process, how you can get loan for your self.

Application

The borrower submits a loan application to the bank, either in person, online or through other channels. The application includes personal and financial information, such as income, employment history, credit score, and the purpose of the loan.

Documentation and Verification

The app requests supporting documents from the borrower, such as identification proof, income statements, bank statements, and collateral details (If applicable). The app verifies the information provided to assess the borrower's creditworthiness and eligibility for the loan.

Credit Assessment

The app conducts as credit assessment to evaluate the borrower's creditworthiness and ability to repay the loan. This process involves analyzing the borrower's credit history. income stability, debt to-income ratio, and other factors.

Loan Approval

If the borrower meets Malacash's lending criteria and passes the credit assessment, the loan is approved. Malacash determines the loan amount, interest rate, repayment term, and any associated fees.

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We offer excellent features with malacash

Quick Approvals

Get your loan approved in minutes with our efficient and user-friendly application process. No more waiting in long lines or dealing with complicated paperwork.

Low Interest Rates

Enjoy competitive interest rates that make borrowing more affordable. Our goal is to provide financial solutions that are both accessible and cost-effective

Flexible Loan Terms

Choose loan amounts and repayment terms that suit your needs. We offer customizable options to ensure you get the best deal for your financial situation.

Secure Transactions

Your security is our priority. Our app uses advanced encryption and security measures to protect your personal and financial information during every transaction

Frequently Asked Questions

CUSTOMER SERVICE (HELP GUIDE)

1. How can I install the app?

To install the MALACASH Loan App, follow these steps:

1. Go to the Google Play Store and Apple store

2. Search for "MALACASH App"

3. Tap "INSTALL"

2. How do I register in MALACASH Loan App?

Registering is easy:

1. Enter your phone number.

2. Read and Accept the Terms and Conditions.

3. We will send you an OTP(6 digits) in the mobile number you provided.

4. Enter the OTP(6 digits) and click "NEXT”

3. What are the accepted IDs?

  • PhilID (National ID/PhilSys ID)
  • ePhilID
  • Philippine Passport
  • Philippine Driver’s License
  • Unified Multi-Purpose ID (UMID)
  • Social Security System (SSS) ID
  • Professional Regulation Commission Identification Card (PRC ID)
  • Postal ID (card type)

    • 4. How can I upload ID and Video for my application?

    1. Log in to Your Account: Access the loan application portal using your credentials.

    2. Navigate to the Upload Section: Look for a section labeled “Upload Documents” or something similar.

    3. Select the Document Type: Choose the type of document you want to upload (e.g., ID, video).

    4. Upload the ID:

  • a. Scan or Photograph: Ensure your ID is clear and legible. Scan it or take a high-quality photo.
  • b. Upload: Click on the upload button, select the file from your device, and confirm the upload.

    • 5. Upload the Video:

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