Application Process

Ourcash VIP is now available on both Android and iOS devices.


You can download it here:
Google Playstore

Apple AppStore

Ourcash VIP app is available 24/7. You can apply anywhere and anytime you need it!

Only a smartphone, one (1) valid ID and selfies are all you need. No additional requirements and/or collateral needed. Just download the Oucash VIP app, complete the registration and apply.

For new customers, please follow the instruction below:

1. Download the Ourcash VIP app on Google Playstore or Apple Appstore.

        - PlayStore

        - AppStore


2. Complete the registration. Provide all the information needed and prepare a one (1) valid ID. For a complete list of IDs we accept, please check it here What IDs do you accept?


3. Apply for a loan. Choose your desired loan amount and terms and your preferred withdrawal channel.


4. Claim and enjoy your money.


Make sure to pay on-time to avail higher amount with longer terms in your next loan. 


Reminder: All loan application can only be done through the Ourcash VIP App. Ourcash VIP will not be liable for any transaction conducted outside the app.


For current or returning customers:

        Once you have settled your previous loan, you may reapply for another loan instantly. However, we cannot guarantee how much you will be offered after repaying your loan. Keep in mind that early or on-time payments may help you to be approved for a higher loan limit.

We only accept valid goverment issued ID:

Driver’s License
Postal ID

We provide most loan decisions at least in a few hours. A separate SMS with the Contract Number/Reference number will be sent to you once your loan is ready and available for pickup. Please note that the service charge will be deducted from your loan. You may also view this information on your Ourcash VIP App.

Loan Limits

First loan amount ranges from P2,000.00 to P5,000.00 and can grow up to P50,000.00 if you pay on-time regularly. 

Keep using the Ourcash VIP Loans regularly and maintain good credit record to avail higher amount with longer terms. This also comes with membership badges that equates to your level!

Loan decisions are based on Ourcash VIP’s credit and underwriting models that take into account many factors, including your loan application information and identity verification points. We advise that you keep a good standing by paying on time and you may be able to qualify for a higher loan in the future.

Cashout Issues And Questions

You may choose to receive the fund from Padala/Remittance Centers(RD Pawhshop or M Lhuillier), directly from your bank account, or through e-Wallets (Gcash, Coins.Ph, Paymaya or ECPay).

For Padala/Remittance Centers channel:


An SMS with the Contract number/Reference number will be sent to you once your loan is ready and available for pickup. Just present a valid with signature upon claiming your loan. 

Please also note that the service charge will be deducted from your loan.


For Bank/e-Wallets Channel:


You loan will be automatically transferred to your account once it is ready.

You can view all the information about your loan in Ourcash VIP App.

If Payment Failed shows in your loan status, it means there are errors occurred in sending your loan to your preferred disbursement channel. 

If this occurs, kindly reach us through our Customer Service ( in Ourcash VIP app or through our Facebook Page for withdrawal account verification, correction, or change of withdrawal channel.

Reminder: A series of question will be asked to ensure the authenticity of the user as the legal owner of the account.

Once your loan has been disbursed, we are no longer be able to change the withdrawal channel.

If you want to change your withdrawal channel for your future application, kindly contact us through Customer Support in Ourcash VIP App or send an email to

Loan Repayment

You can repay your loan at all 7-Eleven, M Lhuillier, RD Pawnshop branches, ECPay, TrueMoney, Paymaya or GCash. Take note of your Repayment Contract Number on your Ourcash VIP App. You will also receive these details thru SMS on your due date.


If you did not receive this information, please message us through our Customer Service in Ourcash VIP App.


PAYING THRU 7-ELEVEN (via Cliqq App or Kiosk) or GCash

1. Click Bills Payment.

2. Choose FastPay.

3. Put the Repayment CONTRACT Number and your Mobile number.

4. Put the exact amount for repayment.


Keep your transaction record or receipt in case of a payment dispute.



Fill up the Bills Payment Form

Company Name:     Ourcash VIP / FastPay

Put the Repayment CONTRACT Number and your mobile number.

Put the exact amount for repayment


Keep your transaction record or receipt in case of a payment dispute.

Yes, you can definitely pay in partial installment amounts or in full before the given due date! There are no penalty fees for paying early. In fact, early and on-time payments may help you qualify for larger loans in the future, increasing your badge level.

There will be a daily penalty charge on top of your existing loan balance if you do not pay your loan on or before your due date. To avoid having the overdue penalties, kindly settle your payment as soon as possible.


REMINDER: 7-Eleven, M Lhuillier, RD Pawnshop, ECPay, TrueMoney, Paymaya or GCash are Ourcash VIP’s only authorized payment methods. We wish to remind our customers that payments NOT Made through these channels will NOT be processed.


If your balance is left unpaid, you will be endorsed to one of our debt collections partners and will contact you to make payment arrangements. Failing to settle your balance after multiple notices may affect your credit standing with Ourcash VIP Philippines and may also affect your credit score. Ourcash VIP reports to the Credit Information Corporation (CIC) regularly.

Our goal is to apply your payment to your account immediately. On rare occasions, there is a delay and we aim to resolve it as soon as possible.


Any time you make a payment, please give us 24 hours to apply the payment to your account before contacting us. Sometimes there is a delay in reporting your payment to us from the center you paid at.


If you still do not see your payment reflected on your Ourcash VIP App after 24 hours, kindly contact us with the following information:


A clear picture of your payment receipt or OR.


Make sure we are able to read ALL of the following information:

- Invoice ID

- Amount

- Date

- Time the payment was made


Once we have ALL this information, we will be able to look into your account and take all the necessary actions.