In times of financial hardship, borrowing from relatives, friends, or banks may not always be an option. MoneyCat Philippines offers a convenient solution with quick and accessible online loans.
MoneyCat PH provides loans ranging from 500 to 20,000 PHP, with 0% interest for first-time borrowers on loans up to 10,000 PHP for up to 15 days.
In this guide, Fastloans.PH explores MoneyCat, an online loan platform offering attractive benefits like 0% interest on the first loan, a simple application process requiring only a valid ID, and fast disbursement within 24 hours.
| Loan Type | Online loan |
| Required Document | Valid ID (SSS, UMID, TIN, Driver’s License, Passport, or Voter’s ID) |
| Age | 20–60 years |
| Loan Limit | 500 – 20,000 PHP |
| Loan Term | 90 – 180 days |
| Disbursement Time | Within 24 hours |
| Promotion | 0% interest on the first loan (up to 10,000 PHP for 15 days) |
Table of Contents
About MoneyCat Philippines
MoneyCat is an online loan platform developed by MoneyCat Financing Inc., a multinational fintech company registered with the Securities and Exchange Commission (SEC) under Registration No. CS201953073 and Certificate of Authority No. 1254.
- Address: 10F, Rockwell Business Center, South Tower, Sheridan, Brgy. Highway Hills, Mandaluyong City, Philippines
- Hotline:
- Smart/TNT/SUN: 0968 874 7401, 0968 869 3937
- Globe/TM: 0917 100 1747, 0917 143 4550
- Email: support@moneycat.ph
- Facebook: MoneyCat Official
MoneyCat offers same-day financial solutions with loan amounts ranging from 500 to 20,000 PHP, no income proof required, and multiple disbursement methods through partner banks like BDO, BPI, Chinabank, and UnionBank.
Designed for short-term loans with quick disbursement, MoneyCat simplifies the borrowing process for urgent financial needs.
Is MoneyCat Legit?
MoneyCat is a legitimate platform, officially registered with the SEC under Certificate of Authority No. 1254 and complies with Philippine laws. Its website uses SSL encryption to protect client information, ensuring secure transactions.
MoneyCat Loan Requirements
To apply for a MoneyCat loan, you must meet these conditions:
- Age: 20–60 years
- Nationality: Filipino, residing in the Philippines
- Employment: Employed individuals or selected professionals with a stable income
- Documents: Valid ID (SSS, UMID, TIN, Driver’s License, Passport, or Voter’s ID) and a selfie holding the ID
- Bank Account: Active personal bank account (not for payroll)
Related: How to Borrow Load from Globe – Detailed Guide
MoneyCat Loan Package Details
Here’s an overview of MoneyCat’s loan package:
- Loan Limit: 500 – 20,000 PHP (first-time borrowers: 500 – 10,000 PHP)
- Loan Period: 90 – 180 days
- Interest Rate: 0% for first-time borrowers (up to 10,000 PHP for 15 days); 11.9% per month (max APR 36%) for subsequent loans
- Processing Fee: 250 PHP (included in total loan cost)
- Late Payment Penalty: 3–8% of overdue amount or 500 PHP/month
- Disbursement Method: Bank account (BDO, BPI, Chinabank, EastWest, MBTC, PNB, RCBC, Security Bank, UnionBank, Land Bank, UCPB, Asia United Bank)
- Repayment Method: DragonPay, GCash, PayMaya, ShopeePay, Coins.ph, 7-Eleven, Cebuana Lhuillier, Palawan Express, RD Pawnshop, Bayad Center, SM
- Review Time: 5–15 minutes
- Disbursement Time: Within 24 hours (8 AM–4 PM, next business day for approvals at night or weekends)
- Support: 24/7 customer service (Monday–Friday, 9 AM–6 PM for hotline)
- Proof of Income: Not required
MoneyCat App
The MoneyCat app, available on Google Play, offers a convenient way to apply for loans. Follow these steps:
- Complete the online application in 5 minutes and verify with the OTP sent via SMS.
- Answer a verification call to confirm details and terms.
- Receive funds in your bank account within 24 hours.
For the best approval rates, apply through the MoneyCat website.
MoneyCat Reviews
MoneyCat has received mixed feedback from users. Below are some reviews from Google Play and other sources:
Sean Christian ★★★★★
The application is fast, and funds are disbursed quickly. However, expect frequent reminders before due dates, and interest rates for repeat loans can be high.
Mary Anne ★★★★★
First loan was approved instantly with 0% interest. The second loan had higher interest but was disbursed in minutes. Reliable for emergencies.
Sherwin Bea ★★★★★
Fast approval and professional agents. Payment reminders are frequent but reasonable, and you can shift payment dates.
Jonald Mercado ★★★
The process is easy but lengthy. My application was rejected, which was disappointing for an app meant to help those in need.
Anonymous ★★
App is user-friendly, but I received multiple unsolicited texts from other loan apps after applying, possibly due to data sharing.
Advantages of Borrowing from MoneyCat
MoneyCat is a leading online loan provider due to the following benefits:
- Simple Process: 100% online application, requiring only a valid ID and a selfie.
- 0% Interest for New Customers: First-time borrowers get 0% interest on loans up to 10,000 PHP for 15 days.
- Transparency: Clear information on interest rates, fees (including 250 PHP processing fee), and repayment terms via the loan calculator.
- Flexible Repayment: Early repayment without penalties, automatic disbursement for returning customers.
- 24/7 Support: Assistance via email, hotline, and Facebook for loan-related queries.
Disadvantages of Borrowing from MoneyCat
Despite its benefits, MoneyCat has some limitations:
- Loan Limit: Maximum 20,000 PHP, which may not suit larger financial needs.
- Loan Term: 90–180 days, relatively short for some borrowers.
- High Interest for Repeat Loans: Up to 36% APR, which can be costly.
- Frequent Reminders: Some users report excessive SMS/calls for payment reminders, even after repayment.
How to Apply for a MoneyCat Loan
Applying for a MoneyCat loan is straightforward with an internet-connected device. Follow these steps:
Step 1: Choose Your Loan Limit
Visit the MoneyCat website or app. Select a loan amount from 500 to 20,000 PHP (new customers limited to 10,000 PHP with 0% interest). Enter your full name, phone number, and click “Get Cash Today.”
Step 2: Complete Your Profile
Provide the following details:
- Personal Information: Email, ID number, date and place of issue, date of birth, gender, marital status, phone number
- Address: Province, district, ward, street, house number, apartment, length of residence
- Job Information: Employment status (employed/self-employed), income
- Bank Account: Account number, bank name (must be in your name)
Ensure all information is accurate. For those without stable income, select “self-employed” with an income of at least 15,000 PHP for better approval chances.
Step 3: Verify ID
Upload clear photos of your ID (front and back) and a selfie holding the ID for verification.
Step 4: Loan Review and Disbursement
Your application will be reviewed within 5–15 minutes. Approval notifications are sent via SMS or email, and funds are disbursed to your bank account within 24 hours (8 AM–4 PM, next business day for night/weekend approvals).
Tips for 100% Loan Approval
To maximize your chances of approval:
- Ensure all ID details (name, ID number) are accurate and match your bank account.
- Declare a stable income of at least 15,000 PHP, even if self-employed, as proof is not required.
- Apply to multiple lenders simultaneously to increase approval chances, but avoid excessive applications to protect your credit history.
MoneyCat Interest Rates and Fees
First-time borrowers enjoy 0% interest on loans up to 10,000 PHP for 15 days. Subsequent loans have an interest rate of 11.9% per month (max APR 36%). A processing fee of 250 PHP is included in the total loan cost. Late payments incur a penalty of 3–8% of the overdue amount or 500 PHP/month.
Example: For a 20,000 PHP loan over 6 months, monthly payments are approximately 5,000 PHP, with a total cost of 30,000 PHP (including 250 PHP processing fee).
How to Repay a MoneyCat Loan
Key points to note before repayment:
- Early repayment is allowed without penalties.
- Pay 1–2 days in advance to ensure system updates.
- Loan extensions require paying 7% of the current loan amount plus fees.
Repayment Steps:
- Log in to your MoneyCat account and enter the OTP sent via SMS.
- Select a payment method and click “Pay loan.”
- Choose from:
- E-wallets: GCash, PayMaya, ShopeePay, Coins.ph
- Payment Centers: 7-Eleven, Cebuana Lhuillier, Palawan Express, RD Pawnshop, Bayad Center, SM
- Online Banking: BDO, BPI, Metrobank, Landbank, Maybank, PSBank, RCBC, UnionBank
- Use your 8-digit MoneyCat Lifetime ID or Reference Number (sent via SMS/email) to process payment.
Note: Keep payment receipts for reference. Contact support if funds are not received within 24 hours.
Frequently Asked Questions About MoneyCat
Conclusion
MoneyCat is a top choice for online loans in the Philippines, offering easy registration, 0% interest for first-time borrowers, and fast disbursement. This guide, updated with the latest information from MoneyCat’s official website and Google Play, aims to help you navigate your financial needs with confidence.
Thiswill confirm Iam cancelling my loan application I applied for emergency loan for 4500 why600 is approved not notified of that amt. Earlier.
I already paid my loan, why until now my loan not yet closed
you need to wait until the loan time is fully closed as contract to see the status updated
I paid in partial and before the due date came by I used to paid the existing full amount of my loan balance. But it’s not yet reflecting and the deadline on the prolonged date is on sep 29. Should I wait until sep 29 to see if the status of my payment is updated?
can i pay through 7-11
Why I was rejected on my first loan? completed all the requirements
check your credit score
what other loan apps affiliated with moneycat,tnx
Good morning. If I intent to pay partial installment. How would I do it by using my lifetime ID No. I prefer to do transaction thru gcash
If I pay partially with my approved 15000 loan, can I pay through Gcash?
Good day for moneycat pls i requesting send my lifetim ID number
This will confirm that I need to cancel my loan before it disbursed. Iam no longer interested plead do cancel it thank you.
How do u cancel my loan?? via email or text?
can i pput cbd drops in my bong water
I would like to cancel my loan .. I will return the money I received today.
I have fullypaid my loan in moneycat in advance. But when i tried to apply for a reloan, it was failed.
Did moneycat allowed to transfer in gcash for the loan?
My loan was overdue by 1 day. My question is can moneycat waived the penalty of the 1day that is overdue?
Yes it could be