Is Cashalo SEC Registered? Status and CA Number
Contents
Yes. Cashalo is SEC registered in the Philippines. The brand operates through Paloo Financing Inc., doing business as Cashalo, a financing company with SEC registration No. CS201800209 and Certificate of Authority No. 1162. I verified the record on September 16, 2026. Cashalo also appears in the regulator's list of recorded online lending platforms, released January 26, 2026. One twist is worth a second look: three different names orbit this product, and only one of them holds the license.
The registry record in detail
The full record follows. Verified on September 16, 2026.
| Field | Record |
|---|---|
| Brand | Cashalo |
| Legal entity | Paloo Financing Inc. (doing business as Cashalo) |
| Company type | Financing company |
| SEC registration | No. CS201800209 |
| Certificate of Authority | No. 1162, primary grade |
| Platform record | Listed in the SEC online lending platforms list of January 26, 2026 |
| Status | Active |
| Verified | September 16, 2026 |
The CA number checks out from two directions. The company publishes it in the footer of cashalo.com, and Paloo Financing Inc. appears among the financing companies we checked against SEC records for our dataset. Cross-checked, not single-sourced. That is why we grade it primary.
Three names, one product
Here is the detail that trips people up. The App Store listing for Cashalo names three parties. The brand is Cashalo. The seller of the app is Tilt Finance, Inc. The same listing identifies the operator as PALOO FINANCING, INC., doing business as Cashalo, with SEC registration CS201800209 and CA No. 1162 attached.
None of this is a red flag by itself. App sellers and operating companies often differ. What matters for a borrower is which name holds the license, and the answer is Paloo Financing Inc. Complaints, advisories, and registry checks all attach to the corporation, never to the logo. If a different "Cashalo" ever asks you for money, the missing corporation behind it is the tell.
How to check Cashalo yourself
Repeat this check for any lender in about five minutes. Three official tools, all free.
- Search the financing companies registry. The SEC financing companies registry holds roughly 780 records with columns for name, registration number, CA number, and date. Search "Paloo Financing", not "Cashalo". Brands do not appear there; corporations do.
- Check the recorded platforms list. The SEC keeps a list of recorded online lending platforms under MC 19, series of 2019. The January 26, 2026 release covers 117 companies and about 178 platforms, and Cashalo is in it. The page blocks automated access, so open it in a browser.
- Ask the SEC directly. The Check-with-SEC tool is the commission's own verifier, and hotline 1-4SEC answers what the tool cannot.
One timing note. MC 10, series of 2021 froze new lending platforms from November 2021; MC 20, series of 2026 lifted the freeze on August 1, 2026. Expect the list to grow again, and read every status page with its check date. For the whole registry in one place, see our list of SEC registered lending apps.
What registration does (and does not) give you
Start with what you get. A registered lender is a real legal subject: an entity you can complain about at the SEC, disclosures required by the Truth in Lending Act (RA 3765), and fair-collection rules under MC 20, series of 2026, in force since August 1, 2026. Cashalo also publishes its pricing, which is more than several registered rivals do.
Now the honest part. Registration speaks to legality, not price. An effective 12 percent per month on Cashalo's qualifying loans still lands near 146 percent a year on our standard ₱5,000, 30-day estimate. Registration means the lender can be held accountable. Whether the loan is affordable is your math, and the full Cashalo review does it in pesos.
Frequently asked questions
Is Cashalo SEC registered?
Yes. Paloo Financing Inc., doing business as Cashalo, holds SEC registration No. CS201800209 and Certificate of Authority No. 1162, verified September 16, 2026. Cashalo also appears in the recorded online lending platforms list released January 26, 2026.
Is Cashalo legit ba or scam?
The lender is legit. A registered financing company with an active record, and no SEC advisory against it in our tracker as of September 16, 2026. Keep the standard defenses anyway: install the official app, refuse upfront fees, and match the name in any payment request to Paloo Financing Inc.
What is Cashalo's CA number?
Certificate of Authority No. 1162, with SEC registration No. CS201800209. Both numbers appear in the company's App Store listing and on cashalo.com, and both check out against our registry dataset.
Who sells the Cashalo app?
The App Store seller of record is Tilt Finance, Inc. The licensed operator named in the same listing is Paloo Financing Inc. A seller row is corporate plumbing; the license sits with Paloo.
Bottom line for borrowers
Pick your scenario:
- You are about to install Cashalo. The lender is registered: Paloo Financing Inc., CA 1162, verified September 16, 2026. Use the official listing, and the record above is your receipt.
- A "Cashalo" offer asks for money up front. That is not how this lender works; its own site says "no advance fees". Walk away and check the name against our illegal loan apps tracker.
- You are comparing loan costs. Registration tells you nothing about price. Cashalo's effective 12 percent per month is published, and our review computes what it means in pesos.
The answer to "is Cashalo SEC registered" is yes, with a registration number and a date attached. Hold every other app to the same standard. Registration first, money second.