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Cashspace review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Cashspace suits borrowers in the Philippines who need a small, short loan without paying an arrangement fee. Borrowing sits at APR of PHP 12 to PHP 36 and credit checks are hard, so borrowers with thin files should check the terms before applying. Fees run 0.

Key facts

Best for
Small, short term borrowing in the Philippines with no arrangement fee.
APR
₱12 to ₱36↗
Loan amount
₱500 to ₱25,000↗
Term
2 to 4 months↗
Arrangement fee
0↗
Credit check
Hard↗
Funding time
Funds within 5 minutes; most approved applicants receive the money the same day↗
Representative example
Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000↗
Lender type
Broker↗
Eligibility
Applicants in the Philippines, valid ID required↗
Loan types
Personal, Payday, Credit-line↗
Credit needed
Poor↗
Legal entity
Fininity OU↗
Headquarters
Estonia↗
Support channels
Email, Help-centre, Community↗
Features
Same-day funding, Credit line
Official website
cashspace.ph

Facts checked September 26, 2026, 2 sources

Pros and cons

Pros

  • Origination fee of 0, so the headline APR of PHP 12 to PHP 36 is not padded by a setup charge
  • Loans of PHP 500 to PHP 25,000 cover short term needs without a long commitment
  • Funds arrive within minutes and most approved applicants see the money the same day
  • Works with a poor credit profile, and the hard credit check is the same approach most of the 75% lenders in the set use

Cons

  • APR of PHP 12 to PHP 36 is well above the 15.5% typical of the wider set
  • Terms of 2 to 4 leave little room to stretch repayments if income drops
  • Support runs on email, help centre and community only, with no phone line for urgent money questions
  • Cashspace works as a broker, so the lender price and terms are set by the partner rather than the site
Cashspace

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Philippine applicants with a valid ID who can clear a hard credit check
  • Borrowers who want the cash the same day they apply
  • Anyone who wants to avoid an arrangement fee on a small loan

Who should look elsewhere

  • Anyone wanting a long repayment period, because terms run only 2 to 4
  • Readers who want a regulated lender named in the licences, since Cashspace is a broker
  • People who need to phone a human, since support runs on email, help centre and community

Deposit protection

Cashspace is a broker, so it introduces applicants to a partner lender rather than lending the money itself. The published example on the site shows a modest personal loan cleared over a short term, with the total repayable only a little above the amount borrowed. No licence is listed for the brand, so no regulator or protection scheme is named. The legal entity behind the service is Fininity OU, and applications run a hard credit check, which means a declined application can leave a mark on the credit file.

How it compares on our data

On our data Cashspace sits well back on loan size. It ranks 650 out of 665 brands for loan amount, so it belongs with the small balance lenders rather than the large money providers. The rate ranking is far better. Cashspace places 15 out of 338 brands on APR, which puts it in the cheaper part of the set. For a Philippine market borrower, the balance to strike is small principal against a manageable rate, and that is where this brand lands.

Rates and costs

The headline APR range is PHP 12 to PHP 36, and the origination fee is 0. That means nothing is added on top at application, so the rate advertised is closer to the rate paid. The published example shows a small personal loan repaid over a short term, with a total payment only a little above the amount borrowed. Against the wider set, the median APR is 15.5%, so Cashspace is a cost outlier rather than a bargain. The saving is the absent fee, not a low rate, and anyone comparing the total repaid should read the example before applying.

Application and funding speed

Speed is the standout feature here. Funds arrive within minutes and most approved applicants receive the money the same day, and same day funding is a headline feature of the product. The size on offer is PHP 500 to PHP 25,000, which is sized for an emergency or a short gap rather than a large purchase. Repayment terms run 2 to 4, keeping the commitment brief. Applicants in the Philippines with a valid ID can apply, and a hard credit check decides the outcome, so the quick funding depends on passing that check.

The company behind it

Cashspace is operated by Fininity OU and lists its headquarters country as EE. The service works as a broker, matching applicants to a lending partner, so the pricing you are offered comes from that partner rather than from Cashspace directly. Support runs on email, help centre and community, which is a written support model rather than a phone desk. That setup suits borrowers who are comfortable applying online and reading terms themselves, and suits those who need to speak to someone less well.

How Cashspace compares

Where Cashspace is available

Available
Philippines

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

Frequently asked questions

How much does Cashspace cost to borrow?+

The APR range is PHP 12 to PHP 36 and the origination fee is 0, so no setup charge sits on top of the headline rate. The published example shows a modest loan repaid over a short term, with a total repayable only a little above the amount borrowed, which makes the all in cost plain before you apply.

Are there arrangement fees on a Cashspace loan?+

The origination fee is 0, which means nothing is charged for setting the loan up. The cost of borrowing is the interest inside the PHP 12 to PHP 36 range, plus whatever the lending partner applies. There is no separate arrangement charge to negotiate down.

How long does it take to get the money from Cashspace?+

Funds arrive within minutes, and most approved applicants receive the money the same day. Same day funding is one of the headline features of the product, which suits short term gaps. The speed depends on passing a hard credit check first.

How much can I borrow from Cashspace?+

Borrowing runs to PHP 500 to PHP 25,000, which covers a short term need rather than a large expense. Terms run 2 to 4, so the balance is designed to clear quickly. Applicants in the Philippines with a valid ID can apply.

What credit score do I need for Cashspace?+

Cashspace works with a poor credit profile, and it runs a hard credit check to decide. Hard checks are the norm at 75% of the lenders in our data, so this is the standard approach in the set. A declined application can still mark the credit file.

How safe is Cashspace with my money?+

Cashspace is a broker, so a lending partner holds the money rather than the site itself. No licence is listed for the brand, so no regulator or protection scheme is named. Treat it as a matching service rather than a deposit taking lender.

How do I contact Cashspace support?+

Support runs on email, help centre and community, which means email, a help centre and a community forum. There is no phone line listed, so urgent questions need to be sent in writing. Written replies suit borrowers who want a record of the answer.

Is Cashspace a lender or a broker?+

It is a broker. The legal entity behind the service is Fininity OU, and it matches applicants to a lending partner. The rate you are offered therefore comes from the partner, not from Cashspace, which is worth weighing before you apply.

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 term borrowing in the Philippines with no arrangement fee.

8.9/10Visit