Review of the Moneycat Loan App: Legitimacy, Eligibility Criteria, and User Experience (2024)

In this article, CashExpressPH will delve into Moneycat Philippines, evaluating its legitimacy, loan requirements, customer feedback, and potential concerns regarding harassment. Moneycat is a financial app that has gained popularity for its quick and convenient online borrowing options in the Philippines.

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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 Moneycat Loan Philippines

Moneycat Philippines is an online lending platform that aims to provide Filipinos with access to quick and convenient loans. Here is a summary of the key details:

  • Loan Amount: Moneycat offers loans ranging from 500 to 20,000 pesos.
  • Age Limit: Applicants must be between 22 and 60 years old.
  • Loan Term: The repayment period varies from 90 to 180 days.
  • Interest Rate: Moneycat charges an interest rate of 0.4% per day.
  • Pros: Moneycat provides online loans without the need for in-person meetings.
  • Cons: There are service fees associated with Moneycat loans.
  • Complaints: No significant complaints have been reported.
  • SEC Registered: Moneycat is registered with the Securities and Exchange Commission.
  • Requirements: The only requirement is a valid national ID.
  • Harassment: Moneycat maintains a polite approach when dealing with borrowers.
  • Effectiveness Evaluation: Moneycat’s services have been effective and reliable.
  • Bad Credit: Moneycat does not approve loans for individuals with bad credit.
  • Feedback: Further customer feedback can be found in this article.
  • Link to Apply: To apply for a Moneycat loan, visit the Moneycat website.

What is MoneyCat Loan?

MoneyCat Loan is a user-friendly application that facilitates quick and convenient online borrowing for customers in the Philippines. Users can easily access the app, create an account, and apply for a loan, all from the Moneycat Philippines homepage.

Loan Limits and Terms of Moneycat PH

Moneycat Philippines offers loans ranging from 500 to 20,000 pesos with flexible repayment terms spanning from 90 to 180 days. Once an application is approved, borrowers can expect the funds to be deposited into their accounts within a few hours.

Pros of Moneycat Philippines

Moneycat boasts several advantages for borrowers, including:

  • No need for collateral or a guarantor, simplifying the loan process.
  • A straightforward and swift application and approval process.
  • Fast processing and disbursement of funds, often within hours.
  • Robust security measures, such as SSL encryption, to safeguard user information.
  • A user-friendly website accessible via smartphone or computer with internet access.

While Moneycat has been largely free of complaints, some limitations exist:

Cons of Moneycat Loan

Despite its benefits, Moneycat has a few drawbacks, including:

  • A maximum loan limit of 20,000 pesos may not meet the needs of all borrowers.
  • Moneycat primarily focuses on short-term loan options, which may not suit those seeking longer-term financing.
  • The interest rate is higher than traditional bank loans.
  • Additional fees, such as application processing and late fees, can increase the cost of borrowing.
  • Borrowing online carries a risk of accumulating bad debt if repayments are not made promptly.

Moneycat Interest Rate

Moneycat determines interest rates based on a user’s repayment capacity, reducing risks for both borrowers and the service provider. The first loan is typically interest-free. Subsequent loans can carry interest rates ranging from 0.4% to 3% per day, with a 3% daily rate for late payments.

Example of MoneyCat Interest Rate Calculator

To illustrate, if a customer borrows 10,000 pesos for 30 days at an interest rate of 0.54% per day:

  • Interest payable after 30 days: 10,000 x 0.54% x 30 days = 16,200 pesos.
  • Service fee: 100 pesos.
  • Total amount payable after 30 days: 10,000 + 16,200 + 100 = 26,300 pesos.

Moneycat Loan Requirements

To qualify for a Moneycat loan in the Philippines, applicants must:

  • Be at least 22 years old and reside in the Philippines.
  • Have a stable source of income.
  • Possess a valid national ID.
  • Hold a bank account.

For a higher likelihood of approval, applicants can provide additional IDs, such as PRC, Driver’s License, or Passport. Users should submit clear images of their ID, along with a selfie holding the front of the ID.

Guide to Moneycat Loan Application Step-by-Step

To apply for a loan at Moneycat Philippines, follow these four simple steps:

  • Step #1: Access the Moneycat homepage by visiting the Moneycat Website (No need to download the Moneycat APK).
  • Step #2: Fill in personal information, including full name, date of birth, ID number, mobile phone number, address, email, occupation, income, reference information, and bank account details.
  • Step #3: Upload ID Card – Provide clear photos of both sides of your ID card and a clear portrait of the front, without glasses or a mask.
  • Step #4: Verify your phone number by entering the OTP and agreeing to Moneycat’s terms.
  • Step #5: Await application verification and loan approval notification. Once approved, funds will be deposited into your bank account shortly.

Reviews Moneycat Loan Feedback in Philippines

Moneycat Philippines has received positive feedback from over 2,000 satisfied customers who have appreciated its online loan products and customer support services.

Guide to Moneycat Loan Payment

Borrowers can repay their loans through various methods using Dragonloans’ payment invoice:

  • Option 1: Pay via GCash, PayMaya, ShopeePay, e-wallets.
  • Option 2: Make payments at 7-Eleven, Cebuana, Palawan Express, RD Pawnshop, Bayad Center, SM – Save More, Business Center.
  • Option 3: Use online banking services like BDO, BPI, Metrobank, Landbank, Maybank, PSBank, RCBC Online Banking, RobinsonsBank, UnionBank, UCPB,, and more.

Compare Moneycat App with Other Loan Apps

Here is a comparison of Moneycat with other loan apps in the Philippines:

Loan App Moneycat Loan Didogo Loan Finbro Loan
Amount (PHP) 500 – 20,000 1,000 – 25,000 10,000 – 50,000
Interest Rate 11.9% per month 0% – 3.65% per day 1.25% per day
Term (Months) 7 days 3 – 6 months 1 – 12 months
Age Range 20 – 65 years old 21 – 70 years old 20 – 65 years old
Browsing Time 30 minutes 4 minutes 15 minutes

Moneycat Loan Contact

For inquiries and assistance, customers can contact Moneycat’s customer service via email at Support office hours are from 9:00 AM to 6:00 PM on weekdays from Monday to Friday. Moneycat’s hotline is 0286556820.

Moneycat Address: MoneyCat Financing Inc – Unit 1701 Tycoon Building, Pearl Drive Street, Barangay San Antonio, Ortigas Center, Pasig City, Philippines 1800.

FAQs – Moneycat Philippines

Here are answers to some frequently asked questions about Moneycat Philippines’ online loan service:

Is Moneycat Legit?

Yes, Moneycat is legitimate, holding Registration No. CS201953073 from the Securities & Exchange Commission.

How Does Moneycat Handle Harassment?

Moneycat may apply various measures in cases of non-payment, including charging overdue interest and penalty fees. Debt collection partners may also be involved in debt recovery.

How to Pay Moneycat via GCash?

Follow these steps to repay a Moneycat loan via GCash.

Is Moneycat Registered?

Moneycat Philippines is SEC registered, holding Certificate of Authority To Operate Number: 1254.

Is Moneycat a Loan Shark?

Moneycat offers unsecured loans with market-friendly interest rates and is not involved in usurious lending practices.

How to Delete an Account in Moneycat?

Deleting your Moneycat account will remove all associated information. Contact Moneycat customer care to initiate the deletion process, providing necessary information for verification.


Moneycat is a reputable and professional online financial service in the Philippines. It offers unsecured loan packages with reasonable interest rates and provides quick and convenient solutions to meet customers’ borrowing needs. With transparent loan contracts and a commitment to customer satisfaction, Moneycat remains a trustworthy option for online loans in the Philippines.

For more information or to apply for a loan, visit the Moneycat Website. Whether you’re facing unexpected expenses or seeking funds for personal projects, Moneycat Philippines offers a reliable solution for your financial needs.

5/5 - (6 votes)

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