How to Apply Millennium Cash Finance Company Loan

Applying for a Millennium Cash Finance Company or MCash loan in the Philippines is a straightforward process that takes only minutes to complete. The first step is to visit the official website of Millennium Cash Finance Company, Inc., at

From there you can select the “Salary Loan” option and fill out the necessary information for processing. Once your application is approved, you will be required to submit a few documents such as proof of identity and income proof in order to finalize the loan.

Also Read: How to Apply Home Credit Cash Loan

Millennium Cash Finance Company, Inc. began as a lending investor in January 1999 in Davao City, initially named Millennium Cash Corporation. Soon after opening, with the help of loyal customers and hardworking employees, the store began to expand its product offerings.

In 2003, the Philippine Securities and Exchange Commission granted Millennium Cash Corporation a finance company license. As a result, the new company is now called Millennium Cash Finance Company, Inc. Millennium Cash Finance Company, Inc. currently operates in dozens of locations across the Philippines with plans to expand its reach even further. The company employs hundreds of people to serve its thousands of clients and is constantly looking for ways to grow and improve its services.

What is Millennium Cash Finance Company, Inc?

Millennium Cash Finance Company, Inc. is a licensed finance company that has been in operation since 1999 when it was initially founded as Millennium Cash Corporation. They specialize in providing various types of loan services to individuals and businesses across the Philippines. Their services range from salary loans, business loans, car financing, home financing, and more.


  • Must be a Regular Employee for at least 1 year.
  • Individuals aged 21 years and older
  • To qualify, the applicant must be a Philippine citizen and not a US person.
  • The applicant’s minimum gross monthly income must be ₱10,000


  • At Least 2 Valid IDs
  • Passbook/ATM,
  • 3 months’ most recent Pay slips
  • Bank Statement,
  • Co-Maker with Valid IDs

How to Process M Cash Loan Online

  1. Visit the website here –
  2. Choose the Apply HERE option depending on the type of salary loan you would like to avail.
  3. Enter your personal details and contact information.
  4. Agree to the terms and conditions and Reminders.
  5. Submit your application and wait for a response within 24-48 hours.
  6. Once approved, you can proceed to the nearest branch of Millennium Cash Finance Company, Inc. for further processing.
  7. hey will require additional documents for your loan application to be fully processed.

Video: MCash Company Information

Check out this video clip which features MCash, a leading provider of loans in the Philippines. The video explains what the company is about and what services they offer.

It also features some of the people who have benefited from MCash’s services. Watch it now to get an inside look at how MCash works and how you can apply for a loan in Cebu. Good luck with your application!

Frequently Asked Questions

1. How can I claim my monthly Change?

They have convenient ways for you to claim your monthly change.

  • Visit their Branches – please check the branch office hours in Branch Locator Page
  • Call their Branches – You may request to send your Monthly Change through any pera padala channels.
  • E-Sukli Services- they highly encourage our clients to enrol first in our E-Sukli Services in partnership with Paymaya.
  • Through their website, you can request your information change online. Complete the request form on ESukli Page, you can visit the link here. After you submit your request, they will process it and deposit your pension change into your Paymaya account. You’ll get a text message from Millennium Cash Finance when they finish processing your request. Afterwards, you can go to any Visa Automated Teller Machine (ATM) near you to withdraw your monthly change.

2. What is the minimum or maximum loan term?

The maximum loan term depends on the age of the borrower.

3. Can I apply for an additional loan?

Borrowers are allowed to take out another loan after paying the required minimum monthly instalments or if they have enough money for a down payment.

4. What are the fees I need to pay if I apply for a loan?

Millennium Cash Finance have no processing fees or charges.

5. How are the payments for the loan made?

The monthly amortization will be deducted from the borrower’s monthly pension.

6. What is the maximum loan amount that I can borrow?

They will take the pensioner’s age and monthly pension into account to decide on the maximum amount of money they are eligible for.

7. Can I repay early?

Yes, you can. There are many payment options available so you just need to discuss it with the agent to set it up.

8. How fast is the loan process, and How long does it take?

As long as the requirements are on hand, we will then verify your eligibility for the loan program. It will be processed on the same day and net proceeds will be released right after.

9. Would it be possible to directly debit my monthly payments from my bank account?

Yes, they accept the direct debit option. This means that your loan payments will be automatically debited from your bank account when they are due.

10. What are the requirements for the pension loan application?

  • SSS/GSIS UMID card
  • ATM Card/Passbook where the pension is credited
  • The borrower must submit two valid ID cards with signatures.
  • At least 1 Valid ID of the Co-maker

Important: Requirements may vary per Branch.

11. What Valid ID that you accept?

  • Driver’s License
  • Passport
  • Postal ID
  • Social Security System
  • TIN – Tax Identification Number
  • Unified Multi-Purpose ID (UMID)
  • Voter’s (COMELEC) ID Card
  • National Professional ID Card (PRC ID)
  • Philippine Identification System ID (PhilSys ID)
  • Printed ePhilID (Digital PhilSys ID)
  • PhilHealth ID

12. What type of loans do you offer?

They not only offer pension loans for SSS/GSIS/PVAO and other currencies but salary loans as well.

13. My application for a Cash Loan was rejected, can I re-apply?

You can reapply for a Cash Loan from Millennium Finance Company three months after your last application, as long as you still have an existing offer.


Although online lenders may have a quick application process, remember that their interest rates are often higher than in other places. You have many choices available to you for the type of loan you want, depending on your circumstances. However, it does mean that in the end, a loan is a losing game for you, so you should only take one out if you’re really in need of the money for one reason or another.

Instead of getting a loan or asking your family members for money, If you had access to your wages between paychecks, you would be able to cover yourself in case of an emergency. Having access to on-demand pay and a financial management app can help you save money, budget better, and get discounts, and free financial counselling which will put you on the path to being financially independent.

Contact Information


Telephone Number: (032) 254-3078, (032) 255-0817
Mobile number: +63 917-5825661 , +63 917-5825610 , +63 917-6260758
Office hours: 8:00 AM – 5 PM


Telephone Number: (032) 343-0086
Mobile number: +63 917-5652843 , +63 977-8113793 , +63 917-6268093
Office hours: 8:00AM – 5PM


Mobile number: +63 917-806-7473 , +63 917-582-5680
Office hours: 8:00 AM – 5 PM

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