Money Cat — loans online in Philippines

MoneyCat is a multinational fintech company operating in the Philippines, offering fast and convenient online loans with minimal requirements.

The platform enables users to apply in just minutes and receive funds within 24 hours, providing reliable financial support without the need to visit a bank. MoneyCat also offers attentive customer service throughout the loan process to ensure a smooth experience.

Instant cash loans MoneyCat. First loan for FREE!

• Amount from PHP 500 to 20,000 
• Term from 3 to 6 months
• Interest rates 11.9% per month
• Maximum APR 145%
• Loans in 5 minutes
• You don’t need to confirm income, bring references, visit our office
• Several ways how to pay

Loan Requirements

• From 22 years old
• Filipinos currently living in the Philippines
• Employed individuals and selected professionals

How to get a loan

Four steps to get a loan and pay it back:

• Fill up the application and confirm using the OTP code.
• Call for Approval. Get SMS notification about approval within 30 minutes after the phone call.
• Take the money and enjoy. Receive the money in your bank card within 30 minutes.
• Make Repayment. Pay back through any method using DragonPay.

A list of accepted IDs for loans in the Philippines:

• Philippine National ID (PhilID)
• Passport
• Driver's License
• Social Security System (SSS) ID
• Pag-IBIG ID (Home Development Mutual Fund ID)
• Professional Regulation Commission (PRC) ID
• Postal ID
• Voter's ID / COMELEC ID
• Tax Identification Number (TIN) card
• National Bureau of Investigation (NBI) Clearance
• Government Service Insurance System (GSIS) e-Card
• Senior Citizen ID
• Overseas Workers Welfare Administration (OWWA) ID
• Overseas Filipino Worker (OFW) ID
• Seaman’s Book
• Company or Employee ID issued by regulated private firms
• Unified Multi-Purpose ID (UMID)

Frequently Asked Questions (FAQ)

Who can apply for a loan with MoneyCat?

Filipino citizens with a valid ID and phone number can apply easily online.

How fast is the loan approval and disbursement?

Approval is usually instant, and funds are transferred within 24 hours.

Are there any fees to apply?

No, MoneyCat does not charge any application or processing fees.

What documents do I need to apply?

You only need one valid government-issued ID; no income proof required.

What interest rates does MoneyCat offer?

First-time borrowers enjoy 0% interest; subsequent loans have reasonable rates.

How do I repay my loan?

Repayments can be made through bank transfers or partner payment centers.

What happens if I miss a payment?

Late payments may incur fees and affect your credit; contact support for help.

Is my personal information safe?

Yes, MoneyCat complies with Philippine laws and uses secure data protection.