MoneyCat is a reliable company that allows you to take out a loan in minutes on favorable terms.

MoneyCat Financing Inc. is the exclusive lender operating via the MoneyCat platform. It is a duly registered and authorized financing entity in the Philippines, holding a Certificate of Authority to Operate (No. 1254) granted by the Securities & Exchange Commission, with registration number CS201953073. The company fully complies with applicable Philippine laws on lending, consumer protection, and data privacy.

You can get a loan from this organisation quickly and online.

Terms & Conditions

Loan amount:	PHP 500 - PHP 20,000
Effective Interest Rate (EIR) / APR:	First-time borrowers may enjoy 0% interest for the initial loan, with no processing fees.
Loan term::	From 7 to 30 days
Currency:	Philippine Peso (PHP)
Daily interest rate:	Up to 3% per day; delinquent loans may incur 3.0% daily late fees.
Approval time:	Instant approval; first disbursement may take up to 30 minutes, but up to 24 hours in some cases.
Collateral:	Unsecured—no collateral required.
Income verification:	Not strictly required; the platform evaluates using simple personal information.
Age requirement:	Borrowers must be at least 22 years old
Licensing/Supervision:	Registered with SEC; compliant with Philippine regulations.
Repayment methods:	Payments accepted via DragonPay, 7-Eleven, LBC, Bayad Center, SM Payment Center, and other captured channels.
Disbursement methods:	Funds are transferred to bank account via DragonPay partner channels.
Customer support:	support@moneycat.ph
Address:	Unit 2A, 17th Floor, Robinsons Cybergate Center 3, Pioneer Street, Mandaluyong City, Philippines.
Phone number:	0917 152 7089
Official website:	moneycat.ph

Documents & Borrower Requirements

• Required: One valid ID (SSS, UMID, TIN, Driver’s License, Passport, or Voter’s ID) plus a selfie with the ID.
• Filipino citizens aged 22–60 residing in the Philippines with a stable income, active phone, and bank account are eligible. 

Additional Details

• No processing or disbursement fees—MoneyCat disburses the full approved amount.
• Transparent pricing: All costs clearly shown in the calculator; no hidden charges.
• Late payment penalties may apply, ranging from 3%–8% of the overdue amount.
• Early repayment is allowed, helping avoid extra costs. 

Credit History Requirement

A strong credit history is not strictly essential. Repeat borrowers with good repayment behavior may get better terms. 

About the Loans

First Loan

• Amount: PHP 1,000–3,800
• Interest: 0% APR, no processing fee for the first loan
• Term: 7–28 days (flexible)

Repeat Loan

• Amount: Up to PHP 20,000
• Interest: Variable depending on amount, term, and credit standing
• Term: 7–30 day

How to Apply

1. Visit the website or mobile app.
2. Register with ID and personal info; verify via OTP.
3. Submit and await instant approval.
4. Receive funds via bank deposit, often within 30 minutes or up to 24 hours. 

Benefits

• First-time borrowers may receive loans with 0% interest and no fees.
• Very fast approval and disbursement.
• Purely digital process—no need for physical documents or bank visits.
• Transparent pricing and clear repayment terms.
• Inclusive of borrowers with modest means—freelancers welcome.