Mocasa - Virtual Credit Wallet

Mocasa (operated by Philippine Cashtrout Lending Corporation) is a Philippine fintech app offering "Pay Later" credit services and quick cash loans via a virtual Mastercard for online/in-store purchases, bill payments, and loads. It provides interest-free credit options for timely repayments and quick loans with defined terms.

Credit Conditions

• Quick Loan amount: ₱3,000 to ₱50,000 
• Pay Later credit limit ₱1,000 to ₱8,000
• Term: 91 to 180 days (3-6 months).​
• Interest rate: Up to 30% APR max; often 0% interest if paid on time (Pay Later up to 50 days).​

Features and Benefits

Mocasa enables:

• QR code scanning for in-store payments
• Virtual Mastercard for online shopping
• App-based bill/load payments

Key benefits include:

• Flexible credit limits that grow with good repayment
• No interest on timely Pay Later use
• Fast cash disbursement to GCash/Bank/Maya.

Borrower Requirements

Applicants must be:

• 21+ years old
• Filipino citizens
• With one government ID and stable income

Credit approval depends on verification of identity, income, and credit standing.​

How to Get a Loan

1. Download Mocasa app from Google Play/App Store.
2. Register with phone number and submit basic info plus 1 valid ID.
3. Await evaluation (within 24 hours); funds go to bank/GCash if approved.​

How to Repay

• Via app using bank cards
• GCash/e-wallets
• Convenience store machines

Pay before due date (15-day billing cycles for Pay Later) to avoid fees; grace periods apply (3-5 days no interest).