INCASH is a SEC-registered digital lending company. Start with the INCash app — our flagship product — or choose RexPera, ZanPeso, and ZynKred for specialized borrowing needs. Transparent terms from day one.
Flagship app · All-in-one lending
5-min approval · No collateral
Flexible monthly installments
Highest limit · Lowest rate
Start with INCash — our flagship app — or choose a specialized product below. 100% online · No collateral · Daily interest from 0.005% to 0.01%.
The all-in-one INCASH experience — our main lending app for everyday Filipinos. Apply in minutes with one valid ID, get approved fast, and manage everything from application to repayment in a single app. Flexible loan amounts, multiple repayment options, and daily interest from 0.005% to 0.01% with zero hidden fees.
Need cash now? RexPera approves personal loans in as fast as 5 minutes — just one valid government ID, no guarantor required. Funds go straight to GCash, Maya, or your bank account. Choose weekly or bi-weekly repayments, and see your full cost breakdown before you confirm.
Short before payday? ZanPeso covers bills, groceries, and daily expenses with easy monthly installments. Apply 24/7 from your phone — no paperwork, no hidden charges. Interest rate locked at approval so your total due never changes mid-loan.
Planning tuition, home repairs, or a bigger purchase? ZynKred offers our highest loan ceiling with up to 180 days to repay — at our lowest daily rate starting from 0.005%. Complete amortization table ready before you sign, with early repayment options available anytime.
All INCASH apps share the same straightforward flow — verify once, pick what fits, and receive funds through your preferred channel.
Download INCash for the full experience, or pick RexPera, ZanPeso, or ZynKred based on your specific need.
Upload a valid PH government ID and complete a quick selfie check. No branch visits required.
Amount, term, interest, and total due appear before you accept — no late surprises.
Approved amounts route to e-wallets or linked bank accounts. Track status inside the app anytime.
Apply 100% online — no paperwork, no branch visits. Approval in minutes, cash when you need it.
Sessions and sensitive fields travel under bank-grade encryption. Your credentials never sit in plain sight.
Every offer shows finance charge and total due before acceptance — aligned with truth-in-lending expectations.
Chat and email support in English and Filipino when something looks off or you need a repayment path.