MoneyCat Review

Having access to a financial solution that is fast and reliable is a relief for many Filipinos, especially those who do not have financial institutions nearby from where they are from. And since the Philippines is made up of a lot of islands, most of the financial access that people have are only available in the big cities. Now, with applications that can be done online, every Filipino no matter where they are in the Philippines is finally included.

MoneyCat’s fast approval and disbursement also allow those who are in dire need of cash to address their problems right away, without having to wait for a long processing time, numerous loan requirements, or several days for the loan disbursement. When access to financial services is made digital, the waiting time is drastically minimized.

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Written by: Piggyy

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Loan Amount

500 - 20,000 PHP

Piggyy Rating


Loan Term

3 - 6 months

Est. APR

% 142.8 - 145

Loan Amount

500 - 20,000 PHP
  • Available online and accessible 24/7.
  • Fast.
  • Does not require collateral.
  • Does not require a co-maker or co-borrower.
  • Loan approval rate is at 90%.
  • Borrowers should have a personal bank account.
  • No physical office, borrowers should have access to a smartphone / computer and a stable internet connection

Company Information


MoneyCat operates in the Philippines under the name of MoneyCat Financing Inc. and has its main office located at Unit 1701 Tycoon Bldg Pearl Drive St. Brgy San Antonio Ortigas Center Pasig City. Their Certificate of Authority to Operate number is 1254 granted by the Securities and Exchange Commission. 

All loan applications under MoneyCat can be done online and submitted 24/7. However, for customers who wish to contact their customer support available for Smart/TNT/Sun Subscribers (0919 084 2138 or 0919 084 2139) and Globe/TM Subscribers (0917 710 8022 or 0917 209 2204), they are available from 9:00 AM to 6:00 PM, Monday to Friday. They can also be reached through Facebook or send an email at [email protected].


Types of Loans Offered


MoneyCat offers quick cash loans to eligible Filipinos who are in need of urgent cash requirements. A borrower may need it for their everyday grocery needs, travel, tuition fee payments, or other personal reasons. For whatever reason, MoneyCat’s immediate release loan is an excellent solution for every Filipino in need. 


A typical loan term can be from 3 – 6 months, and borrowers only need to pay a low-interest rate per month which starts at 11.9%. 


Eligibility Criteria

To become eligible to apply for a loan with MoneyCat, there are only two basic criteria that need to be met:

  1. Applicants must at least be 22 years of age, but not more than 70 years old.  
  2. Applicants must be Filipino citizens and currently residing in the Philippines.
  3. Applicant must be currently employed or belongs to the selected group of professionals. 
  4. The applicant has a valid bank or e-wallet account.  



  1. Valid government-issued ID. 
  2. Personal Bank Account details. 
  3. Other documentation that MoneyCat PH may require. 


Requirements and Services Offered

If you’re eyeing MoneyCat Philippines as your next instant loan provider, here’s a quick summary of everything you need to know and prepare for your application:


Loan Overview

ProductMoneyCat Philippines Instant Loan
Minimum Available LoanPhp 500
Maximum Available LoanPhp 20,000
Interest Rate11.9% per month

Note: For your first application, the advertised rate is 0% if you pay within 10 days.

Maximum Annual Percentage Rate (APR)145%
Loan Payment Duration3 to 6 months, with the possibility of extension (charged)

Note: For your first approved loan application, you have 10 days to pay to enjoy a 0% interest rate.

Possibility of Early PaymentYes


Eligibility and Requirements

Eligibility Criteria for Borrowers
  • Applicants should be 22 to 60 years old
  • Eligible applicants must currently be residing in the Philippines
  • Applicants must be employed and have a stable source of income
Preliminary InformationBefore answering the application form, you will be asked regarding the following information:

  • Desired Loan Amount
  • Complete Name
  • Mobile Number
  • Email Address
Required Information and Documents for the Application Form
  • Valid Government ID 
    • SSS
    • UMID
    • TIN
  • Gender
  • Date of Birth
  • Complete Address
  • Monthly Income
  • Office Phone Number
  • Mobile Number of Relative or Spouse
  • Emergency Contact Number
  • Bank of Choice
  • Bank Account Number
    • Make sure to use only an account registered under your name; otherwise, your application will be rejected


Loan Application Process

Application ChannelThrough the website, or through the app
List of Eligible Banks for PayoutThe following banks can be used to receive the loan from MoneyCat PH:

Banco De Oro (BDO)

Bank of the Philippine Islands (BPI)

BPI Family Savings


Chinabank Savings

Chinatrust Bank

Development Bank of the Philippines (DBP)

EastWest Bank

Land Bank of the Philippines




Philippine National Bank (PNB)

Philippine Veterans Bank


Rizal Commercial Banking Corporation (RCBC)

RCBC myWallet

Robinson Bank

Security Bank

Sterling Bank of Asia

United Coconut Planters Bank (UCPB)

UnionBank of the Philippines

Loan Application Processing TimeUpon finishing the application form, expect a call regarding loan approval within 30 minutes 
Waiting Time for Loan to be Posted on AccountThe loan can be posted as fast as 30 minutes after approval. Depending on the bank, a maximum of 1 to 2 banking days may be required for the transfer to be credited.
Loan Repayment ChannelsTo repay the loan, there are different payment channels you can tap:

GCash and other e-wallet options

Online Banking (via Dragon Pay)

ATM Banking


Payment Centers

Cebuana Lhuillier

Western Union

Palawan Pawnshop

Villarica Pawnshop



Robinson’s Malls

Robinson’s Bank



Equicom Bank


Bayad Center

SM Payment Center


Fees, Charges, and Penalties

Loan Extension Fee7% of the current loan amount plus other charges
Late Payment FeeAdditional interest rate

Note: If payment falls on a weekend, better pay earlier to avoid being tagged as late payment.


Why Choose MoneyCat


MoneyCat is a financial solution that Filipinos probably never thought that they needed. Until now, people were so used to approaching 5-6 lenders or loan sharks for their emergency needs it is difficult to break this practice. Having financial institutions available online definitely helps more Filipinos make better financial decisions. 


Here are the reasons why Filipinos should choose MoneyCat:


Simple and Easy

The requirements are very simple. Customers need only prepare their personal information – scan their government-issued ID and their bank details. Once they have all their documents ready and scanned, they can quickly proceed with their loan application online, which will only take 5 minutes, considering their computer and internet connection processing speed. 



When customers do not have to travel, wait in line or wait for offices to open and can submit their applications any time of the day – that is what convenience means. When everything is done online, more and more Filipinos can be catered to.



Not every financial institution has the means to process and approve loan applications within 24 hours. The process can take a lot of time – several days even with traditional banks. Having a loan approved immediately is an excellent help for someone who has an emergency need. 


Safe and Credible

MoneyCat is registered under the Securities and Exchange Commission, making it a legal financial institution for Filipinos residing in the Philippines and within the Philippine Laws. While all information is provided online and uploaded online, customers can rest assured that their data is safe and secure. The customer’s data privacy is also discussed in detail in the terms and conditions of the loan.


Is Applying for a Loan with MoneyCat PH Worth It?

MoneyCat PH’s selling point relies on three things: its simplicity, convenience, and processing speed.

As you can see, the company doesn’t offer loans as high as bank providers usually do—with banks, you can get personal loans that reach millions of pesos, so long as you can pay. Bank loan processing can also be tedious and time-consuming, with multiple documents required.

On the contrary, MoneyCat PH prides itself on how quickly they can approve your loan and send it over to you—depending on your bank provider, you can get the loan within 1 hour after sending your application form!


Of course, with this convenience comes a higher interest rate. However, when you consider that the loan isn’t that high, the interest rates – especially when payable over the course of months – don’t seem as daunting anymore, either.

So who is this loan good for?


MoneyCat PH’s loans are perfect for people who need to pay something urgently but don’t have the means to pay yet. For example, if you need to pay your rent as soon as possible, but can’t wait until your salary two weeks from now, you can avail of this loan to cover your expenses, then pay it off once you receive your salary.

This is also a great choice if you’re expecting some money in a short period—for instance, you’re expecting to sell an item in a few days—but need cash as soon as possible.

All that said, this product will probably help people who don’t have anyone to loan from, and don’t have extra cash on hand at the moment. If you’re just starting with your job after relocating from the province, and you’re expecting your first pay after a month, perhaps you can try this out, too!

No matter what your need is, so long as it’s urgent, and you’ll be able to pay it off in the future, you should certainly try out MoneyCat PH.


How to Sign Up


Since MoneyCat is available online for all Filipinos, loan applications can be done online as long as the borrower has a computer or a laptop or even a smartphone and a working internet connection. The application process is easy and simple. Here are a few of the steps you need to follow:


Visit MoneyCat’s website. On the home screen, you will be able to immediately see the loan calculator and the Get Cash Today button. 

Move the bar to set it at the desired loan amount that you wish to apply for. The maximum loan amount that you can apply for is Php20,000. 

Enter your name, mobile number, and email. After that, click the Get Cash Today button to commence the loan application process. 


Enter your personal details and address to proceed to the next step. 


You will need to enter your employment details such as monthly income and your work phone number for the verification process. Also, provide a relative’s name and contact number and your emergency contact person. 


The final information that you will have to provide is your bank account details to complete your application. Double-check this section because once approved and you sign the loan agreement, this is where the loan amount is going to be released. 


Upload your scanned government ID and a selfie of you holding your government ID. 

moneycat 4

Confirm the phone number you have registered with MoneyCat. Bear in mind that the applicant should be the owner of the phone number provided. Otherwise, MoneyCat reserves the right to refuse the loan application. 


Accept the terms and conditions of the loan application and click on submit. First-time borrowers are eligible for the interest-free loan and can return the loaned amount after 10 days. 

Frequently asked questions

How do I know if my application is approved?

Any update on the loan application will be communicated through the phone number and email ID indicated during the registration process of the loan application. Should the loan be approved or declined, the same shall be communicated via email and SMS. 

When can I receive my money? How long does it take?

Once the application is approved, the disbursement process happens after a few seconds from the confirmation of the loan contract. The time from the actual disbursement up to the credit to the borrower’s bank account depends from one bank to another. Some banks may have the amount credited to the borrower’s bank account within 24 hours while for some, it may take up to 2 banking days. 


MoneyCat is working on this to make the disbursement faster.

What will I do if I have not received my money yet?

Borrowers should note that once the money has been disbursed from MoneyCat’s side, the availability of the money is totally up to the bank of the borrower. After the approval day, the money is disbursed between 8AM to 4PM. If the approval happens during the night, the money will be received the following morning and if the loan is approved during the weekend or a holiday, the money will be received the next banking day. 


If the loaned amount is still not received within this timeframe, customers may directly contact the customer support of MoneyCat through phone or email and they will get back to you.

What can I do if I provided the wrong bank account number?

There will be instances when customers make mistakes when they input their bank account details. This happens and cannot be avoided entirely but what customers should know is that when the account holder name and number in the application is different from the one provided upon disbursement of the loan amount, the entire application can be rejected. 


Always make sure that you provide consistent information all throughout the application process.

What are the bank account requirements for loan disbursement?

Even though MoneyCat only disburses loan amounts through banks, they are affiliated with a wide array of banks to better serve their customers. MoneyCat deposits checking account to any of their partner banks:


  • Banco De Oro
  • Bank of the Philippine Islands
  • Chinabank 
  • EastWest Bank 
  • MBTC 
  • RCBC 
  • RCBC myWallet 
  • Security Bank 
  • UnionBank 
  • Land Bank 
  • UCPB 
  • Asia United Bank 
  • BPI Family Savings Bank 
  • Bank of Commerce 
  • Chinabank Savings 
  • Chinatrust Bank 
  • Development Bank of the Philippines 
  • Maybank 
  • PBCom 
  • Philippine Veterans Bank 
  • PSBank 
  • Robinson Bank 
  • Sterling Bank of Asia


To make a better secure transaction, they only allow transfers of amounts to bank accounts that are under the name of the borrower, should be an active account and are not used for payroll transfer.

How do I repay my loan?

It is advised that should the payment due date fall on the weekend, payments should be done earlier to avoid interest on late payment fees. 


Here is the complete method for repayment of your loan:


For payments done Online/ Bank Cash Payment/ GCash


Visit your Account Page here: and enter your registered mobile number and generate the OTP to be able to log in.


Select 1 Payment Method & click the Pay Loan button.


Repayment amount for today (for Full Repayment of the loan)


Amount to renew (if you want to prolong or extend your loan)


Any Amount (if it is only for a partial payment)


Select the Payment Option (online banking / e-wallet, over-the-counter / ATM banking others);


All Dragonpay payment partners are in the list so just choose what is the most convenient for you. Do note that the payment method may vary depending on the method that you will choose. Some payment methods can receive an email from Dragonpay to get the Reference Number (Reference number is different from Lifetime ID).

Can I settle my loan early?

Early settlement of loans is very much welcome. Just log in to your account page in MoneyCat for more details.

What would I do if my loan application was declined or rejected?

MoneyCat does not guarantee an approval for every loan application that they receive because a borrower’s capacity to pay will also be reviewed. When this happens and you find yourself finding a better paying job, or your financial situation becomes better, customers are welcome to reapply for a loan after 30 days. 


Typical reasons for loan rejections include the following:


  • If applicant has a poor credit score
  • Applicant is blacklisted, is on debt review or has had a judgement against their name
  • Not enough income to be granted of a loan
  • Applicant has a poor track record of his or her credit card or loan payments



MoneyCat is a reliable and effective choice for Filipinos who are looking to borrow quick cash loans that are both convenient and easy to apply for. Having the means to access a variety of loan options online, and one that is more advantageous to borrowers can help them elevate their financial status while working on their more urgent and immediate cash requirement. 


Technology is constantly evolving and more and more people are leaning on technology for most of their needs. Having a financial institution that is able to cater to this demand is a good thing and one that helps a lot of Filipinos become financially included. 


״The secret of happiness, is not found in seeking more, but in developing the capacity to enjoy less״ - Socrates

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