MoneyCat review
A 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%
MoneyCat lends its own money, so the company you apply to is the company that holds your loan.
MoneyCat Financing Inc. publishes Certificate of Authority No. 1254 and SEC registration CS201953073. We have taken those from the operator's own material and have not yet matched them against the SEC list, so treat them as its claim rather than our confirmation.
Numbers taken from the operator's own terms page, which also states it is listed among authorised companies with online lending platforms under SEC MC 19 as of 2 November 2021, updated 18 March 2025. Not yet matched against the SEC list itself. Note that one competitor's review page publishes different figures for this operator; we believe those are wrong.
Our assessment
6.4/10 — Mixed
Assessed on 5 of 6 criteria, covering 90% of the rubric weight. How we rate
- Regulatory standing · 25%
- 5/10
- 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
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.
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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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.