Bilis Cash Loan App Review – Red Flags You Must Know
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If you are browsing for emergency funds in the Philippines, you may have stumbled upon Bilis Cash (hosted at biliscash.top). They market themselves as a solution for Filipinos needing instant loans up to ₱50,000 without collateral, but our investigation raises serious red flags.
Before you download the app and hand over your sensitive data, stop and read this. We dug deep into their terms, foreign domain registration, and privacy policy, and the results are concerning. While the company is technically registered, the app itself appears suspicious, and we strongly advise you to proceed with caution.
Here is everything you need to know about the risks behind Bilis Cash.
Quick Check
Trust Score for www.biliscash.top
Online
January 30, 2026 06:43 PM
1 Year old (Sep 4, 2024)
Singapore, Singapore
(Huawei International Pte. LTD)
Custom / Other
No data found
What is Bilis Cash?
Bilis Cash is a mobile lending platform operated by FuseCash Lending Corp. It claims to offer fast, collateral-free loans to Filipino citizens aged 18 to 65. The service is fully digital, meaning you apply, get approved, and receive funds entirely through your smartphone.
Key Features at a Glance:
- Loan Amount: ₱1,000 to ₱50,000.
- Interest Rate: Advertised as low as 0.1% daily (approx. 3% per month), though other sections mention rates starting at 1.5% per month.
- Terms: Flexible tenure ranging from 30 to 180 days.
- Speed: Funds transferred within 15 minutes to 24 hours.
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Is Bilis Cash Legit?
This is the most important question for any borrower. Let’s look at the data provided by the company versus the technical data behind their website.
1. The Corporate Identity
According to their footer, the operator is:
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- Company Name: FuseCash Lending Corp.
- SEC Registration No: 2024080165103-15
- Address: Suite 9-D, The Valero Tower, Valero St., Salcedo Village, Makati.
- License: They claim to be regulated by the Bangko Sentral ng Pilipinas (BSP) and the SEC.
2. Is the Registration Real?
We have verified that FuseCash Lending Corp. does appear in SEC and AMLC registration lists. This means there is a legal entity behind the app.
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However, do not confuse this with GCash’s legitimate lending arm (“Fuse Financing Inc.“). The similarity in names may be intentional. Furthermore, corporate registration does not guarantee that the app is safe to use or that it won’t harass you if you miss a payment.
3. The Red Flags
While the corporation is registered in Makati, our investigation into their domain (biliscash.top) reveals a different story that borrowers should be aware of.
- Foreign Registration: The website domain was registered on September 4, 2024, through Beijing Xinnet Digital Information Technology Co., Ltd.
- Registrant Location: The registrant is located in Hunan, China, not the Philippines.
- Email Support: They use a free Gmail address (biliscash.service@gmail.com) rather than a professional corporate email.
- Domain Extension: They use .top, a cheap domain extension frequently used by temporary websites, rather than .com or .ph.
FuseCash Lending Corp is a registered entity, but the technical backend and domain management are operated from China. This mismatch is a common trait in predatory lending apps. Proceed with caution.
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Privacy Warning
In the world of online lending, your data is the currency. We analyzed the Bilis Cash Privacy Policy (Updated Oct 26, 2023), and it requires significant permissions.
To use this app, you must consent to them accessing:
- Your Contacts: They explicitly state this is to “verify emergency contacts,” but this is often how lending apps conduct debt shaming if you fail to pay.
- SMS Messages: They read your SMS to “analyze financial behavior” (e.g., looking for bank transaction alerts).
- Call Logs: They collect data on call duration and type.
Does Bilis Cash access my contacts? Yes. Their privacy policy states they access contacts, SMS, and call logs. If you value strict privacy, this may be a dealbreaker.
Interest Rates and Repayment Terms
Bilis Cash advertises 0.1% daily interest. While this sounds small, let’s do the math:
0.1% x 30 days = 3% per month.
However, in their FAQ, they mention rates start at 1.5% per month.
Hidden Costs? The site claims “No hidden fees,” but always check the Disclosure Statement before clicking “Accept.” In the Philippines, many lending apps deduct a “Processing Fee” upfront. If you borrow ₱5,000, you might only receive ₱4,500 but still owe the full ₱5,000 plus interest.
Final Verdict
After a thorough investigation, we recommend users to proceed with caution if they decide to use Bilis Cash. While they hold a valid SEC registration under FuseCash Lending Corp., the surrounding evidence points to a classic “predatory lending” operation that mimics scam behavior.
The risk to your personal privacy and the potential for harassment far outweighs the benefit of a quick loan. The SEC registration appears to be a shield to operate legally while employing unethical data collection practices.
If you are desperate for cash, please look for established, trusted apps like GCash (GCredit/GLoan), Maya Credit, or Tala, which respect your privacy and do not operate with offshore backends.
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