When money is tight and you need cash fast, waiting days for a bank loan is not an option. MoneyCat Philippines offers a quick and simple online loan — with 0% interest for first-time borrowers — so you can get the funds you need without leaving your home.
In this guide, Fastloans.PH reviews MoneyCat, covering its loan requirements, interest rates, how to apply, and whether it is the right choice for you.
| Loan Type | Online loan |
| Required Document | 1 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 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 loans from 500 to 20,000 PHP. No income proof is required. You can receive funds through major banks like BDO, BPI, UnionBank, and more.
Is MoneyCat Legit?
Yes, MoneyCat is a legitimate and SEC-registered lending company in the Philippines (Registration No. CS201953073, Certificate of Authority No. 1254). Its website uses SSL encryption to protect your personal data. MoneyCat also complies with Philippine data privacy laws, so your information is safe when you apply.
MoneyCat Loan Requirements
To qualify for a MoneyCat loan, you must meet the following conditions:
- Age: 20–60 years old
- Nationality: Filipino citizen residing in the Philippines
- Employment: Employed or a professional with a stable source of income
- Documents: 1 valid government ID (SSS, UMID, TIN, Driver’s License, Passport, or Voter’s ID) + selfie holding the ID
- Bank Account: Active personal bank account (not a payroll account)
MoneyCat Loan Package Details
Here is a full breakdown of what MoneyCat offers:
- Loan Amount: 500 – 20,000 PHP (first-time borrowers: up to 10,000 PHP)
- Loan Term: 90 – 180 days
- Interest Rate: 0% for first-time borrowers (up to 10,000 PHP for 15 days); 11.9% per month (max 36% APR) for repeat borrowers
- Processing Fee: 250 PHP (included in total loan cost)
- Late Payment Penalty: 3–8% of overdue amount, or 500 PHP per month
- Disbursement Banks: BDO, BPI, Chinabank, EastWest, Metrobank, PNB, RCBC, Security Bank, UnionBank, Land Bank, UCPB, Asia United Bank
- Repayment Channels: GCash, PayMaya, ShopeePay, Coins.ph, 7-Eleven, Cebuana Lhuillier, Palawan Express, RD Pawnshop, Bayad Center, SM Bills Payment, DragonPay
- Loan Review Time: 5–15 minutes
- Disbursement Time: Within 24 hours (approvals made after 4 PM or on weekends are processed the next business day)
- Income Proof Required: No
MoneyCat User Reviews
Here is what borrowers are saying about MoneyCat:
Sean Christian ★★★★★ The application is fast and the money arrives quickly. They do send reminders before due dates, but I understand why. Interest for repeat loans is higher, so plan ahead.
Mary Anne ★★★★★ My first loan was approved with 0% interest. The second loan had higher interest but the process was smooth. Great for emergencies when you have no one else to turn to.
Sherwin Bea ★★★★★ Very professional team. Agents were helpful when I called. You can also adjust your payment date if needed, which is a big plus.
Jonald Mercado ★★★ The process is straightforward but a bit slow for me. My application was rejected the first time, which was disappointing. I wish they were more flexible for applicants with no credit history.
Anonymous ★★ The app is easy to use, but I noticed I started receiving texts from other loan apps after I applied. I hope they improve their data-sharing policies.
Advantages of Borrowing from MoneyCat
- 100% Online: Apply entirely on your phone — no need to visit any office
- 0% Interest for First-Timers: Borrow up to 10,000 PHP with zero interest for 15 days
- No Income Proof Needed: Just a valid ID and a selfie to apply
- Fast Approval: Get a decision in just 5–15 minutes
- Flexible Repayment: Pay early without penalties; returning customers get faster disbursement
- Transparent Fees: All charges — including the 250 PHP processing fee — are shown upfront
Disadvantages of Borrowing from MoneyCat
- Low Loan Cap: Maximum of 20,000 PHP, which may not cover bigger financial needs
- Short Loan Term: 90–180 days may not be long enough for some borrowers
- High Interest for Repeat Loans: Up to 36% APR after the first loan, which adds up if repayment is delayed
- Frequent Reminders: Some users report receiving many SMS reminders, even after paying on time
How to Apply for a MoneyCat Loan
Applying for a MoneyCat loan is quick and easy. Here is how:
Step 1: Visit the MoneyCat Website or App
Go to moneycat.ph or download the MoneyCat app from Google Play.
Step 2: Choose Your Loan Amount and Term
Use the loan calculator to select how much you want to borrow and for how long. The app will show your total repayment amount before you commit.
Step 3: Fill in Your Personal Information
Enter your full name, date of birth, address, employment details, and bank account information. The form takes about 5 minutes to complete.
Step 4: Upload Your ID and Selfie
Take a clear photo of your valid government ID. Then take a selfie holding the same ID. Upload both photos through the app or website.
Step 5: Wait for the Verification Call
MoneyCat may call you to confirm your details and explain the loan terms. Make sure your phone is on and reachable.
Step 6: Receive Your Approval Result
You will get an SMS or email with your loan result within 5–15 minutes.
Step 7: Get Your Money
Once approved, your loan amount will be sent to your bank account within 24 hours. For approvals made during business hours (8 AM–4 PM), disbursement is often on the same day.
MoneyCat Philippines FAQs
Can I apply for a MoneyCat loan without a bank account?
MoneyCat requires an active personal bank account for disbursement. However, e-wallet disbursement to GCash or PayMaya may be available — check the app for the latest options.
How much can I borrow from MoneyCat for my first loan?
First-time borrowers can apply for up to 10,000 PHP at 0% interest. After repaying your first loan on time, you may qualify for higher amounts up to 20,000 PHP.
What happens if I miss a MoneyCat payment?
Late payments incur a penalty of 3–8% of the overdue amount, or a minimum of 500 PHP per month. To avoid this, contact MoneyCat support before your due date to discuss your options.
How long does MoneyCat take to transfer money?
Once your loan is approved, MoneyCat transfers the money within 24 hours. If approved between 8 AM and 4 PM on a business day, you may receive the funds the same day.
Is MoneyCat safe to use in the Philippines?
Yes. MoneyCat is registered with the SEC and uses SSL encryption to protect your data. Always apply only through the official moneycat.ph website or the official app on Google Play.
Can I repay my MoneyCat loan early?
Yes. MoneyCat allows early repayment without any penalty. Paying early can save you money on interest.
MoneyCat Philippines is a solid option if you need a small, fast loan — especially if it is your first time borrowing online. The 0% interest promo for new customers is one of the best deals available. Just make sure you can repay within the term to avoid high penalties.
Looking for more options? Check out our full list of online loans in the Philippines to compare the best loan apps available today.
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