MoneyCat Review Philippines 2025 — Is It Legit? Rates, Requirements & Experience

MoneyCat is a well-known online lending app in the Philippines that offers quick cash with flexible 3-6 month repayment terms. MoneyCat is SEC-registered, charges 11.9% monthly interest, and lends from ₱500 to ₱20,000. New borrowers get their first loan completely free (0% interest). But is it worth your time? Here is everything you need to know before you apply.

MoneyCat Loan Details at a Glance

Is MoneyCat Legit and Safe?

Yes. MoneyCat is a legitimate online lending company registered with the Securities and Exchange Commission (SEC) of the Philippines. It operates under the Lending Company Regulation Act (RA 9474) and complies with the Data Privacy Act of 2012 (RA 10173).

Key safety indicators:

• SEC-registered lending company with a valid Certificate of Authority
• Transparent interest rates displayed before loan signing
• Data privacy compliant — personal information is encrypted and protected
• Follows SEC Fair Debt Collection guidelines — no harassment or threats
• Clear loan agreement provided before disbursement

You can verify MoneyCat's SEC registration yourself through the SEC Company Registration System (read our guide on how to check SEC registration).

What Is MoneyCat's Interest Rate?

MoneyCat charges a monthly interest rate of 11.9%, which translates to a maximum APR of 145%. While this is higher than traditional bank loans (1-2%/month), it is within the range for online lending apps in the Philippines that offer unsecured, no-collateral loans. By comparison, Finbro charges 0.2%/day (73% APR) and HoneyLoan charges 0.5%/day (182.5% APR).

For first-time borrowers, MoneyCat offers a first loan FREE promo — your initial loan comes with 0% interest and no fees. Use our loan calculator to estimate your specific costs.

What Are the Requirements to Apply for MoneyCat?

• Filipino citizen or resident, age 22–55
• Valid government-issued ID (e.g., PhilSys, UMID, passport, driver's license)
• Active Philippine mobile number
• Bank account or e-wallet (GCash, Maya) for disbursement
• No payslip, collateral, or co-maker needed
• Stable source of income (employed, self-employed, or freelance)

Pros & Cons

How Do You Apply for a MoneyCat Loan?

1. Click the "Apply" button below to visit MoneyCat's application page
2. Register with your mobile number and create an account
3. Fill in your personal details and employment information
4. Upload a photo of your valid government ID
5. Choose your desired loan amount (₱500–₱20,000) and term (3–6 months)
6. Submit your application and wait for approval (~10 minutes)
7. Once approved, receive your funds via bank transfer or e-wallet

For a detailed walkthrough, read our complete guide on how to apply for an online loan. You can also verify MoneyCat's SEC registration yourself.

MoneyCat vs Other Loan Apps

MoneyCat is a good option for flexible repayment, but depending on your needs, another SEC-registered app may be a better fit:

• Finbro Review — ₱1K-₱50K, 0.2%/day (lowest rate), 100% OFF first loan
• CashExpress Review — ₱1K-₱20K, 7-30 day payday loans, 0% first loan
• HoneyLoan Review — ₱1K-₱30K, 2-12 month terms, 0% for new customers

See our full best loan apps in the Philippines ranking or compare all loan offers. Use our loan calculator to estimate your total repayment cost.