Reviewing the Moca Moca Loan App: Is it Legitimate, SEC Registered, and What are the Interest Rates? presents an in-depth review of the Moca Moca loan app, aiming to provide you with comprehensive insights into its legitimacy, SEC registration status, interest rates, requirements, and the overall borrower experience. This review will help you make an informed decision when considering Moca Moca for your financial needs.

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Top 10 Fast Online Loans in Philippines – A Valid ID is All You Need Updated in July 2024 

Rank Lender Name & Application Link Loan Amount Loan Term Interest Rate Repayment ID Required Age Range Special Feature

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₱1,000 – ₱25,000 3 – 12 months 0% for first loan Monthly or End of term Only ID Card required 20 – 70 Receive money in 15 mins

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₱1,000 – ₱25,000 3 – 12 months 0% for first loan Monthly or End of term Only National ID required 20 – 70 Receive money in 15 mins

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₱1,000 – ₱25,000 2 – 4 months 0% for first loan Monthly or End of term Only ID Card required 18 – 70 Easy loan approval

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₱1,000 – ₱50,000 1 – 12 months 0% for first loan Monthly or End of term Only ID Card required 20 – 65 Receive money in 10 mins
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₱1,000 – ₱25,000 1 – 180 days 0.1% Monthly or End of term Only ID Card required All accepted Approve Bad credit
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₱1,000 – ₱25,000 2 – 4 months 0% for first loan Monthly or End of term Only ID Card required 18 – 70 Easy loan approval
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₱1,000 – ₱25,000 3 – 6 months 0% for 7 days Monthly or End of term Only ID Card required 21 – 70 Receive money in 4 mins
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₱500 – ₱25,000 60 – 180 days 1.2% per month Monthly or End of term Only ID Card required 18 – 65 Receive money in 5 mins
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₱1,000 – ₱20,000 7 – 30 days 0% for first loan End of term Only ID Card required 21 – 70 Receive money in 5 mins
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₱500 – ₱20,000 7 – 180 days 0% for first loan End of term Only ID Card required 22 – 65 Easy loan approval

Summary of Moca Moca Loan App

  • Loan Amount: Moca Moca offers loan amounts ranging from 2000 to 20,000 Pesos.
  • Eligibility: Applicants must be between 18 and 60 years old.
  • Loan Terms: Borrowers can choose loan terms spanning from 60 to 180 days.
  • Interest Rate: Moca Moca charges an interest rate of 1.3% per month.
  • Requirements: The only requirement is a valid National ID.
  • Pros: Moca Moca is a legitimate lending company.
  • Cons: It lacks a dedicated website.
  • Effectiveness Evaluation: Overall, it provides good service.
  • Bad Debt Policy: Moca Moca allows borrowers with bad credit histories.
  • Complaints: There are no significant complaints reported.
  • Moca Moca App Download APK: The app can be downloaded [here](insert link).
  • Hotline, Contact Number: Reach out to Moca Moca at +632 8888 8888.
  • Harassment: Communication is through phone and email.
  • SEC Registration Number: Moca Moca is registered with the SEC under NO: 2021050012959-04.

What is Moca Moca Loan App?

Moca Moca Loan App is a legitimate online lending platform that has been in operation for over 5 years, serving more than 30 million users globally. It offers rapid cash credit services in the Philippines, ranging from 2000 to 20,000 pesos, with loan terms spanning from 180 to 365 days—all without the need for in-person meetings.

Pros of Moca Moca App

Based on our review, Moca Moca boasts several advantages:

  • Legitimacy: Moca Moca is a SEC-registered lending company.
  • Convenient Application: The platform allows for 100% online registration with 24/7 availability.
  • Minimal Requirements: A valid ID is the only requirement, with no need for proof of income or collateral.
  • Support for Bad Credit: Moca Moca accommodates customers with less-than-perfect credit histories.
  • Fast Approval: Expect instant approval and disbursement of funds.
  • User-Friendly Interface: The application interface is simple and easy to navigate.
  • Security: Moca Moca prioritizes safe transactions and maintains customer data confidentiality.

Cons of Moca Moca Loan App

While Moca Moca offers numerous advantages, there are some drawbacks to consider:

  • Low Loan Limit, High Interest: The loan limit is relatively low, and interest rates can be on the higher side.
  • Service Fees: Users may encounter high service fees.
  • App Dependency: Borrowers are required to download the app, which may not be as convenient as other online loan websites.
  • No Interest-Free First Loans: Moca Moca does not offer interest-free loans for first-time borrowers.

Moca Moca Interest Rate

Moca Moca’s annual interest rate ranges from 10% to 20% per month. In addition to interest, borrowers may be required to pay service fees, typically around 10% of the borrowed amount.

Example of Moca Moca Interest Rate Calculation

Let’s illustrate the interest rate calculation with an example: Suppose a customer borrows 10,000 pesos for 2 months. The interest rate is 10%, and the service fee is 10%.

  • Principal Amount Payable in 1 Month: 10,000 / 2 = 5,000 pesos.
  • Interest Payable in 1 Month: 10,000 x 10% = 1,000 pesos.
  • Service Fee: 10,000 x 10% = 1,000 pesos.

Moca Moca Requirements

To be eligible for a Moca Moca loan, applicants must:

  • Be Filipino citizens aged 18 or older.
  • Possess at least one valid government-issued ID.
  • Have a working phone number and an email address.

Guide to Register for Moca Moca Loan App Step-by-Step

Here’s a step-by-step guide on how to apply for a Moca Moca loan online:

  • Step #1: Download the Moca Moca app from the Appstore or Google Play.
  • Step #2: Choose the loan amount, provide your phone number, agree to terms and conditions, and verify via SMS.
  • Step #3: Fill in personal information, including name, address, email, occupation, and more.
  • Step #4: Upload a photo of your ID (options include UMID, TIN, SSS, Passport, Philhealth, Driver’s License, Postal card, national ID, Voter’s ID).
  • Step #5: Select a withdrawal method (E-Wallet or Online Bank).
  • Step #6: Review the loan information, agree, and submit. Funds will be transferred to your registered bank account or E-wallet.

Reviews of Moca Moca Online Loan App Feedback

Moca Moca has garnered feedback from numerous customers. It is known for its quick loan approval, often within minutes, without strict credit checks. However, some users have reported discrepancies between the actual loan terms and the information provided. Additionally, Moca Moca may engage in collection efforts if payments are not made promptly.

Moca Moca Loan Repayment

Moca Moca offers several payment methods, including:

  • Paying via an online bank card within the Moca Moca lending app.
  • Using GCash or Paymaya e-wallets.
  • Making payments at designated Payment Centers such as 7-Eleven, MLhuiller, and RD PawnShop.

Comparing Moca Moca Loan App Philippines with Other Loan Apps

Here’s a comparative analysis of Moca Moca against other loan apps:

Criteria Moca Moca App Digido App Soscredit
Limits 2000 – 20,000 pesos 500 – 30,000 pesos 1000 – 25,000 pesos
Tenor 3 – 12 months 3 – 6 months 3 – 12 months
Interest 10 – 20%/month 12%/month 12%/month
Age over 18 years old 21 – 70 years old 20 – 70 years old
Browsing Time 5 minutes 5 minutes Fast loan in 15 mins
Rating Review 7/10 8/10 8/10

Moca Moca Customer Service

For inquiries or assistance with Moca Moca’s ID requirements or any other concerns, you can reach their customer service through:

  • Contact Number: +632 8888 8888.
  • Email:
  • Website:

FAQs – Moca Moca App Website

Here are some common questions about Moca Moca cash loans:

Is Moca Moca Loan app legit?

Yes, Moca Moca lending app is a reputable online personal loan application. It has been in operation for over 5 years and has more than 30 million global users. Moca Moca apps are developed by Copperstone Lending Inc, a company registered with the Securities and Exchange Commission of the Philippines.

Is Moca Moca SEC registered?

Yes, Moca Moca is a registered financial support company. It holds SEC registration NO. 2021050012959-04 under the business name MocaMoca. Certificate of Authority No.3454 confirms its legal operation.

How to pay for a Moca Moca loan?

You can pay your Moca Moca online loan through three methods:

  1. Pay via an online bank card in the Moca Moca lending app.
  2. Pay using GCash or Paymaya e-wallets.
  3. Pay at designated Payment Centers such as 7-Eleven, MLhuiller, and RD PawnShop.

How to delete a Moca Moca account?

Moca Moca retains customer information for 5 years. After this period, accounts are automatically deleted. If you wish to delete your account before the deadline, contact Moca Moca customer service through the hotline +632 8888 8888 or email support at for guidance.

How to pay Moca Moca using GCash?

To make a payment for your Moca Moca cash loan using GCash, follow these steps:

  1. Open the GCash app and select “Pay Bills.”
  2. Choose “Loan” and enter the contract number, customer phone number, email, and payment amount.
  3. Confirm your payment details.
  4. Successful payments will trigger email and SMS notifications.

How to report Moca Moca loan app?

If you have concerns or feedback about Moca Moca’s financial support service, you can report it via email, hotline, or by writing a review on the Appstore or Google Play. Your feedback will contribute to Moca Moca’s improvement and help potential borrowers make informed decisions.

How to cancel a Moca Moca loan?

Moca Moca loan applications are typically approved almost immediately. Therefore, it’s crucial to carefully consider your decision before borrowing. Moca Moca provides loan information in advance, allowing you to review the terms, interest rate, and loan service fee. You should only proceed with the application if you agree with these terms.

In Conclusion

Moca Moca loan app is a licensed financial support application that operates legally. It offers a straightforward application process with fast approval, making it a viable solution for individuals seeking quick resolutions to their financial challenges.

5/5 - (9 votes)

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