📑 Table of Contents
- 1. Introduction to MoneyCat Loans
- 2. MoneyCat Loan at a Glance
- 3. Is MoneyCat Legit?
- 4. Key Benefits
- 5. Eligibility & Requirements
- 6. How to Apply
- 7. Interest Rates and Fees
- 8. How to Repay Loan
- 9. Compare with Other Loans
- 10. Customer Support
- 11. Data Privacy & Security
- 12. Customer Reviews
- 13. FAQs
- 14. Final Verdict
🏦 Introduction to MoneyCat Loans
MoneyCat is one of the leading online lending platforms in the Philippines, providing fast, accessible financial solutions for everyday needs. Tailored for emergencies and urgent expenses, it enables Filipinos to apply for a loan entirely online—no paperwork, no long queues, and no need for a bank account.
With fast approval, transparent terms, and a 0% interest offer for first-time borrowers, MoneyCat has become a popular choice for salaried individuals and professionals seeking convenient credit.
📌 MoneyCat Loan at a Glance
| Feature | Details |
|---|---|
| ✅ Official Website | www.moneycat.ph |
| 💰 Loan Amount | ₱500 – ₱20,000 |
| 🎯 Age Requirement | From 22 years old |
| ⏱️ Loan Term | 3 to 6 months |
| 💸 Interest Rate | 11.9% monthly (Max APR: 145%) |
| 🎁 Special Offer | First loan with 0% interest, no processing fee |
| 👥 Eligibility | Filipino residents with a stable income |
| 💳 Repayment Methods | E-wallets, Over-the-Counter (OTC), Online Banking, QR Ph |
| ❗ Bad Credit Accepted | Yes |
| 🛡️ SEC Reg. No. | CS201953073 |
| 📜 Certificate of Authority | No. 1254 |
| ☎️ Customer Support | Globe/TM: 0917 152 7089 / 0917 152 6738 |
✅ Is MoneyCat Legit?
Yes, MoneyCat is a fully legal and SEC-registered financing company in the Philippines. It operates under:
- Company: MoneyCat Financing Inc.
- SEC Registration Number: CS201953073
- Certificate of Authority: 1254
- Registered Address: Ortigas Center, Pasig City
MoneyCat is authorized and regulated by the government, ensuring safe and transparent lending practices.
🌟 Key Benefits of MoneyCat Loans
- ⚡ Fast Processing: Entirely online; approval in as fast as 24 hours
- 📲 No Paperwork: No need for physical documents or face-to-face meetings
- 💡 Transparent Terms: All fees and interest clearly shown upfront
- 🎯 Flexible Loan Options: Choose your loan amount from ₱500 up to ₱20,000
- 🆓 0% First Loan: New borrowers enjoy 0% interest and zero processing fees
📋 Eligibility & Requirements
✔️ Who Can Apply?
- Must be a Filipino citizen
- Aged 22 years or older
- Must have a stable income (employed or self-employed professional)
📝 Required Documents
- Valid government-issued ID (e.g., passport, driver’s license)
- Proof of income (payslip, bank statement, or employment certificate)
- Proof of residence (utility bill, lease contract, etc.)
💡 Looking for a quick and easy loan? Apply now with MoneyCat and get approved in minutes!
🧾 How to Apply for a MoneyCat Loan
- Visit moneycat.ph
- Register with your personal details
- Fill out the loan application form
- Upload your documents
- Wait for approval (often same day)
- Receive funds directly into your e-wallet or bank account
💰 Interest Rates and Fees
📊 Loan Options Overview
| Interest Rate | Term | Loan Amount |
| 11.9% monthly, Max APR: 145% | 3 – 6 months | ₱500 – ₱20,000 |
💡 Cost Example
Loan of 2400 ₱ for 3 months, monthly payment 870 ₱, total amount 2610 ₱, annual percentage rate APR 145%.
💵 How to Repay MoneyCat Loan
MoneyCat offers multiple repayment methods for convenience:
🗓️ Repayment Schedules
- Weekly, bi-weekly, or monthly options (based on your loan agreement)
🏦 Payment Channels
- E-wallets: GCash, Maya
- Online Banking: BDO, BPI, UnionBank, etc.
- Over-the-Counter (OTC): 7-Eleven, Cebuana, M Lhuillier
- QR PH: Pay using QR code via supported apps
⏱️ Early Repayment
- You can pay off the loan early with no penalty, reducing interest and total cost
🆚 Comparison: MoneyCat vs Other Loan Providers
| Feature | MoneyCat | Finbro | CashXpress | Digido |
|---|---|---|---|---|
| Loan Amount | ₱500–₱20,000 | ₱1,000–₱50,000 | ₱1,000–₱20,000 | ₱1,000–₱25,000 |
| Interest Rate | 11.9%/mo | 6%–12%/mo | 10%–15%/mo | 11.9%/mo |
| First Loan Offer | 0% interest | 0% interest | 0% interest | 0% interest |
| Term | 3–6 months | 3–12 months | 3–6 months | 3–6 months |
| Approval Time | 24–48 hrs | Within 1 day | Same day | 5–24 hrs |
| Bad Credit Allowed | ✅ Yes | ✅ Yes | ✅ Yes | ✅ Yes |
📝 Verdict: MoneyCat is best for short-term loans under ₱20,000, especially for first-time borrowers who want a 0% interest option with flexible repayment methods.
📞 Customer Support
- Phone (Globe/TM): 0917 152 7089 / 0917 152 6738
- Email: support@moneycat.ph
- Live Chat: Available on moneycat.ph during business hours
🔒 Data Privacy & Security
MoneyCat uses advanced encryption and secure servers to protect user data. They comply with local data protection laws and do not share personal information with third parties without your consent.
🌟 Customer Reviews
Maria L. – “Very easy and quick! Funds were credited the next day.”
Carlos P. – “Excellent support. Highly recommended for emergencies.”
John A. – “Interest is a bit high, but useful for short-term needs.”
Liza S. – “Wish they had longer repayment terms.”
❓ Frequently Asked Questions (FAQs)
Q: How long does approval take?
A: Usually within 24–48 hours.
Q: Can I repay early?
A: Yes, and it can reduce your interest charges.
Q: Is MoneyCat safe to use?
A: Absolutely. It is licensed and uses secure encryption to protect your data.
Q: What if I miss a payment?
A: Late fees will apply. It’s best to contact support for assistance.
🏁 Final Verdict
MoneyCat is a legit, secure, and fast loan provider in the Philippines. With its transparent terms, digital process, and 0% first loan offer, it’s an excellent choice for individuals needing short-term financial relief.
If you’re looking for an easy, hassle-free online loan in 2025—MoneyCat is definitely worth considering.
Need a Fast Loan? 💸
Apply online with MoneyCat PH and get your first loan with 0% interest. No paperwork, no hassle!
Apply Now
