Blog

11.08.2026

The True Cost of a Loan: Interest, Fees, and What to Check Before You Borrow

The advertised interest rate is only part of what a loan really costs. Processing fees, service charges, and penalties can double the price of borrowing. Learn how to compute the total cost and compare offers properly...

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09.06.2026

Managing Money on an Irregular Income: A Guide for Filipino Freelancers

No fixed payday, good months and bad months, clients who pay late — freelancing in the Philippines is rewarding but financially unpredictable. Here is a practical system for budgeting, saving, and borrowing on an irregular income...

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21.04.2026

E-Wallets and Digital Banks: A Practical Guide to Cashless Money Management

GCash, Maya, and digital banks have changed the way Filipinos pay, save, and borrow. But which tool should you use for what? We break down the differences, the safety rules, and how to make cashless work for your budget...

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02.03.2026

Online Loan Scams in the Philippines: How to Spot and Avoid Them

Fake lending apps and advance-fee scams cost Filipinos millions of pesos every year. Here are the red flags to watch for, how to verify that a lender is registered with the SEC, and what to do if you have already been scammed...

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14.01.2026

How to Build an Emergency Fund on a Filipino Budget

Typhoons, medical bills, sudden job loss — emergencies rarely announce themselves. An emergency fund is the single most effective way to protect your family finances, and you can start building one even on a modest salary...

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22.04.2022

What is a loan?

A loan is a short-term credit with smaller amounts for any personal purpose. A loan has four main components...

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11.03.2022

7 Common Reasons to Take Out a Loan

We have already told you what a loan is, so in this article we make clear when you need it. Personal loan is a useful way of receiving money for a...

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16.02.2022

Benefits of an Online Loan

Nowadays, online loans have become more preferable compared to other types of financing services. If you are still on the fence...

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28.04.2022

How to Improve Your Credit History

Banks exchange customer’s credit information, so-called credit history, and once you are rated negatively...

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18.04.2022

Why Financial Organizations Are More Popular Than Banks?

When it comes to loans, a customer faces the difficulty of choosing the creditor. There are two options: contact a bank or visit...

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07.04.2022

How to Pay Off a Loan

The right way of making payments on your loan improves your credit score, promotes your wealth status, and definitely reduces...

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09.03.2022

5 Qualities of a Perfect Creditor

Personal loans received from financial organizations can become an affordable alternative to banks and credit cards...

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25.03.2022

Do I Qualify For a Loan?

Creditors issue different requirements for clients, their criteria vary by the organization. There are some general...

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Cashspace is a brand of the company Fininity OÜ (registration number: 14523902, address: Paadi tee 3, Haabneeme, 74001 Harju maakond, Estonia.)

The loans offered have minimum repayment terms of 61 days (2 months) and maximum repayment terms of 120 days (4 months). Lending rates vary from lender to lender in the range from 12% to a maximum APR of 36%. For example, for a loan of ₱10,000 that will be paid in 3 months, the total payment of the loan will be ₱11,000.

This site is not a financial institution, bank, or lender. This site finds loans for customers, acting as an intermediary between a client who is looking to take a loan and a licensed financial institution. It is not responsible for any loan agreement. This website does not charge a service fee, nor is it responsible for the actions, inactions, or interest rates of any lender. You are never under any obligation to use the service, initiate contact, or request credit with any lenders this site connects you to.