MONEYCAT FINANCING INC.

MoneyCat Financing Inc.

MoneyCat Financing Inc. is a Philippine financing company registered with the Securities and Exchange Commission under SEC Registration No. CS201953073. Its Certificate of Authority to Operate as a Financing Company is No. 1254. The company was formerly known as MoneyCat Financial Consultants Inc.

Brands operated by the company

MoneyCat Financing Inc. operates under the following business names:

• MoneyCat.ph;
• One Click Money.Ph.

MoneyCat is the company’s main current lending platform. The One Click Money website now redirects borrowers to MoneyCat for loan applications and account access.

What MoneyCat does

MoneyCat provides unsecured online loans to Filipino customers. Applications are completed through the company’s website or mobile platform without visiting a physical branch.

The service is mainly designed for short-term personal expenses, emergencies, bills, medical costs and other legal purposes. Approved funds may be transferred to GCash, Maya or a supported bank account.

Current MoneyCat loan terms

The current MoneyCat homepage publishes the following general terms:

• amount from PHP 500 to PHP 20,000;
• repayment period from three to six months;
• interest rate of up to 11.9% per month;
• maximum APR of 145%;
• first-loan promotional offers may be available.

The actual amount, interest rate, fees and repayment schedule are determined individually and shown in the Loan Agreement and Approved Loan Application.

MoneyCat’s FAQ still contains older product information stating that first-time customers may borrow from PHP 1,000 to PHP 3,800 for seven to 28 days, while repeat borrowers may receive up to PHP 20,000. The same page mentions rates of up to 3% per day. These figures conflict with the current homepage and appear to describe an older short-term product. Borrowers should rely on the personalised Disclosure Statement rather than the outdated FAQ.

First-loan promotion

MoneyCat advertises that the first loan may be provided without interest. This should be treated as a conditional promotional offer rather than a guaranteed right.

The borrower should verify:

• whether the promotion applies to the approved amount;
• whether service or processing fees remain payable;
• the required repayment date;
• what happens if the payment is late;
• whether optional paid services have been added.

The final cost must be checked in the loan agreement before confirmation.

Who can apply

MoneyCat lists the following general requirements:

• age from 22 to 60 years;
• Filipino citizenship;
• current residence in the Philippines;
• stable income;
• an active personal bank account;
• one valid government-issued ID;
• an active mobile number.

The FAQ lists UMID, SSS ID and TIN ID among the accepted documents. Additional identity or income verification may be required depending on the application.

How MoneyCat works

The standard application process includes:

1. Registering with a mobile number.
2. Confirming registration with an OTP code.
3. Completing the online application.
4. Uploading the required identification documents.
5. Completing a telephone or automated verification.
6. Receiving an approval decision.
7. Reviewing the loan amount, interest, fees and repayment date.
8. Confirming the agreement.
9. Receiving the money in a bank account or e-wallet.

MoneyCat advertises approval and disbursement within several minutes, but this is not guaranteed. Processing may take longer when additional verification is required.

MoneyCat application

MoneyCat provides an Android application through its own website. The site also refers to versions distributed through Huawei, Samsung and Vivo stores.

The Android version offered directly through moneycat.ph is an APK file rather than a standard Google Play installation. The company’s installation page instructs users to disable Google Play Protect if installation is blocked. Disabling built-in device protection increases security exposure, even when the file comes from a company website. Users should verify the domain and file source carefully before installation.

The iPhone link displayed by the official MoneyCat website led to an unavailable and unrelated application page during the latest review. Other iPhone applications using the MoneyCat name are published by different lending companies and should not automatically be treated as official MoneyCat Financing Inc. products.

The safest web application address is:

moneycat.ph

MoneyCat repayment methods

MoneyCat processes payments through Dragonpay and participating payment partners. Published channels include:

• 7-Eleven;
• LBC;
• Bayad Center;
• SM Payment Center;
• Cebuana Lhuillier;
• Palawan Pawnshop;
• Western Union;
• selected banks and other Dragonpay partners.

The borrower must use the correct MoneyCat reference or Lifetime ID when making a payment.

MoneyCat contact information

Main website: moneycat.ph

Secondary business website: oneclickmoney.ph

Customer account: moneycat.ph/cabinet

Customer support email: [email protected]

Telephone numbers:

0917 152 7089
0917 152 6738

Telephone support hours:

Monday to Friday, 9:00 a.m. to 6:00 p.m.

Current address shown in the website footer:

Unit 2A, 17th Floor, Robinsons Cybergate Center 3, Pioneer Street, Mandaluyong City, Philippines

Corporate details:

MoneyCat Financing Inc.
SEC Registration No. CS201953073
Certificate of Authority No. 1254

An older contact page still lists Unit 1708, Tektite East Tower, Exchange Road, Ortigas Center, Pasig City. Because the main 2026 website footer uses the Robinsons Cybergate address, the Mandaluyong address should be treated as the current published office unless the company confirms otherwise.

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 how to pay