HoneyLoan
our ratingBest for Knowing the cost before you apply
Direct lenderSECCA 3472
- Amount
- ₱1,000 – ₱30,000
- Term
- 61 – 364 days
- Rate
- 0.4% a day — an effective 12% a month
MoneyCat review
Direct lender4.1/5A genuine 0% first loan with no processing fee, from a licensee that names itself clearly as the sole lender on its own platform. Worth taking for the first loan on that basis alone. Be more careful on repeat borrowing, where the rate moves to around 11.9% a month and its own material publishes the maximum APR inconsistently — get the figure in writing before you accept.
Best for A first loan at 0%
- Loan amount
- ₱500 – ₱20,000
- Repayment term
- 3 – 6 months
- Advertised rate
- 0% on a first loan; around 11.9% a month afterwards
Direct lenderSECCA 1254
MoneyCat lends its own money, so the company you apply to is the company that holds your loan.
MoneyCat Financing Inc. holds an SEC Certificate of Authority (CA No. 1254) and appears on the SEC list of recorded online lending platforms. Checked 2026-08-19.
Upgraded from self-declared to confirmed on 2026-08-19. An SEC Freedom of Information response states that MoneyCat is the recorded online lending platform of MoneyCat Financing Inc., SEC Registration CS201953073, Certificate of Authority 1254 — the same numbers the operator publishes in its own site footer and terms. That is an SEC statement, not an operator claim. One loose end: third-party listings give two different registered addresses (Pasig and Mandaluyong) and one gives a different registration number entirely; the FOI response and the operator agree, so we have gone with those.
Our rating
out of 5 — Very good
Our own assessment, not a customer poll. Scored on 5 of the 6 criteria that apply to a direct lender, covering 90% of the rubric weight. How we rate
- Regulatory standing · 25%
- 10/10
- Cost of credit · 20%
- 5/10
- Cost transparency · 20%
- 7/10
- Who you borrow from · 15%
- 9/10
- Data handling · 10%
- Not assessed
- Getting approved · 10%
- 8/10
Sub-scores are held on a 0–10 scale and shown that way for precision; the headline converts them to the 5-point scale.
Key facts
| Loan amount | ₱500 – ₱20,000source |
|---|---|
| Repayment term | 3 – 6 monthssource |
| Advertised rate | 0% on a first loan; around 11.9% a month afterwardssource |
| Fees | See lender terms |
| First-loan offer | See lender terms |
| Registered name | MoneyCat Financing Inc. |
We publish a figure only where we can point at the provider’s own published page. Everything else says “see lender terms”.
Who it suits
Suits you if you would rather know exactly who holds your loan and keep your details with one company. Check its published terms against the effective-rate ceiling before you apply.
Trade-offs
In its favour
- You borrow from the company you applied to: one credit check, one point of contact, one company holding your data
- Terms come from the lender itself rather than a range across unnamed partners
- Easier to hold to account, because there is a named licensee behind the loan
Against it
- Also trades as One Click Money.ph under the same licence, so you may meet the same lender twice while comparing
- Maximum APR is published inconsistently across its own material — we have seen both 36% and 145%. Get the figure in writing before you accept
- One set of eligibility rules. If you do not fit them you are declined outright rather than matched elsewhere
- A single lender is rarely the cheapest option for every borrower profile
Before you apply
- Ask for the total cost in pesos, not the daily rate. Then put it through the loan calculator to see the effective rate and whether it sits inside the ceiling.
- Check the operator name on the SEC lists — the brand on the app is often not the licensed company.
- If an app asks for your contacts or photos, that is the setup for the debt-shaming this market has a history of. Refuse it.
Questions people ask about MoneyCat
Is MoneyCat SEC-registered?
Yes. An SEC Freedom of Information response states that MoneyCat is the recorded online lending platform of MoneyCat Financing Inc., SEC Registration CS201953073, Certificate of Authority 1254 — the same numbers the operator publishes in its own footer and terms. That is a regulator statement, not a self-declaration.
What is MoneyCat's interest rate?
0% on a first loan with no processing fee, and around 11.9% a month on loans after that, per MoneyCat's published terms. Its own material publishes the maximum APR inconsistently — we have seen both 36% and 145% — so get the repeat-loan figure in writing before you accept.
How much can I borrow from MoneyCat?
₱500 to ₱20,000 over 3 to 6 months, per its published terms. A first loan is usually approved for less than the maximum. A ₱20,000 loan sits above the ₱10,000 line where the 2026 SEC ceiling stops, so for the larger amounts the disclosure statement is your only price protection.
How do I work out what a MoneyCat loan costs?
Put the amount, the term and the rate you were quoted into our loan calculator. On MoneyCat's published repeat rate of around 11.9% a month, ₱20,000 over six months comes to about ₱4,851 a month and ₱29,104 in total; at 0% on a first loan it is the principal divided by the number of months and nothing more.
Does MoneyCat disburse to GCash?
GCash is one of the channels MoneyCat publishes guidance for, both for receiving the loan and for repaying it. The app shows which accounts it can pay into at the point of application; the wallet must be verified and in the same name as your ID.
Is MoneyCat the same as One Click Money?
Yes. MoneyCat also trades as One Click Money.ph under the same licence, so you may meet the same lender twice while comparing. A loan with either is a loan with MoneyCat Financing Inc.
We earn a commission when you apply through some of the links on this page, and that can affect the order providers appear in. It does not affect whether we tell you a provider is a broker rather than a lender, or that we could not verify its registration.
Borrow only what you can repay. Compare the effective interest rate, including fees, rather than the advertised daily or monthly rate — they are not the same number. Missing payments adds penalties and is reported to the credit bureau. If a lender or collector threatens you or contacts the people in your phone, that is prohibited, and you can report it to the SEC.
Borrower reviews
Nobody has submitted a review of MoneyCat yet. When they do, they appear here in full — we do not write them ourselves and we do not buy them in.
Borrowed from MoneyCat?
Tell other people what actually happened — the amount you were offered, the fees you were charged, how collection was handled. We publish real submissions only, and we read each one first.
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Alternatives to MoneyCat
Other providers we list for the same need, each rated on the same rubric.
Finbro
our ratingBest for Larger amounts, up to ₱50,000
Direct lenderSECCA 1324
- Amount
- ₱1,000 – ₱50,000
- Term
- Up to 12 months
- Rate
- 0% – 144% APR
Kviku
our ratingDirect lenderSECCA 3169per operator
Prices above the cap
- Amount
- Up to ₱50,000
- Term
- 61 – 180 days
- Rate
- 0% – 2% per day; maximum annual rate 730%
We earn a commission when you apply through some of these links, which can affect the order. It never affects the rating, the lender/marketplace label or the SEC status.
What we still have to check on this provider (6)
- Confirm the registered corporate name and Certificate of Authority on the SEC list
- Check the SEC advisories list for both the brand name and the operator name
- Record amount range, term range and advertised rate from the provider's own published page, with the URL
- Note which fees are charged up front and whether they are disclosed before application
- If there is an Android app, list the permissions it requests, especially contacts and storage
- Check whether it appears on the SEC list of recorded Online Lending Platforms, not merely incorporated
Published openly on purpose. A review that hides its own gaps is asking you to trust it more than it has earned.
Last reviewed 2026-07-25.