MoneyCat - Cash loan online with fast approval in Philippines

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

MoneyCat is a legit online loan app registered with the SEC, offering fast small loans from ₱500 to ₱20,000. New users can get 0% interest on their first loan, but regular loans have high APR (up to 145%) and a processing fee. The process is fully online, approval is quick, and early repayment is allowed.

MoneyCat is operated by MoneyCat Financing Inc., a company registered with the Philippine Securities and Exchange Commission. Its SEC Registration Number is CS201953073, and it holds Certificate of Authority to Operate Number 1254, granted by the SEC. The company is headquartered in Pasig City, Philippines, and states that it operates legally in the Philippines in compliance with local laws.

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.

Loan Terms and Conditions

• The first loan is free
• Loan Amount from PHP 500 to 20,000 
• Repayment Terms 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 to pay

Loan Requirements

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

How to apply for 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 an SMS notification about approval within 30 minutes after the phone call.
• Take the money and enjoy. Receive the money on 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)

Repayment Terms and Payment Methods

MoneyCat typically provides a range of payment options to make the repayment process convenient for borrowers. They include:

• Online Banking. Use online banking services to make payments directly from your bank account.
• Mobile Payment. Make payments through mobile payment apps, which are convenient for on-the-go transactions.
• Over-the-Counter. Visit designated payment centers to make payments in person. This option is suitable for those who prefer face-to-face transactions.

How to repay MoneyCat loan via GCash, Maya and 7-Eleven

MoneyCat directs borrowers to online repayment methods including Dragonpay, GCash, bank services and payment locations. A valid payment reference is essential for matching a payment to a MoneyCat loan. To prepare a GCash repayment:

1. Enter the official MoneyCat personal cabinet with the Philippine mobile number registered on your application and its SMS code.
2. Open your current loan and review the amount payable, due date and repayment options; obtain the reference and gateway instructions shown for that transaction.
3. Select the GCash/Dragonpay payment route offered in the MoneyCat cabinet. Follow the biller and field names shown on the generated instructions rather than choosing another lender's biller by name.
4. Fill in the reference number, payment amount and registered mobile number wherever the gateway requests those details; check that they match the MoneyCat account.
5. Confirm the transaction and save its receipt until the loan statement shows the posted payment.

Other channels: MoneyCat identifies bank/online banking, ATM and partner over-the-counter options. Check total due in the MoneyCat app before payment, and keep the receipt until posted.

MoneyCat interest rate, fees and late payment

MoneyCat offers online loans of ₱500–₱20,000 with advertised terms of three to six months. MoneyCat permits early repayment through the personal cabinet.

MoneyCat customer service — hotline, email and support hours

Existing borrowers can submit a request through the Support page inside the MoneyCat personal cabinet; the lender specifically recommends writing from the email registered with the application and putting the customer's name and mobile number in the subject line. The official Google Play app listing identifies [email protected] as its support email. The company is MoneyCat Financing Inc., SEC Registration No. CS201953073, Certificate of Authority No. 1254.

Key features

• Simple: 5-minute registration form, 3-step application
• Fast: Quick approval, money within 30 minutes
• Convenient: No need to visit a bank or stand in line
• Supportive: Monthly payment reminders and support if you can't pay on time
• Safe: Online payment options via DragonPay, GCash, bank, ATM