When an urgent problem that needs money comes up, borrowing is the most common solution for many people. Not everyone has an emergency fund or savings to dip into when an unplanned situation arises. So, loans provide relief in such circumstances. MoneyCat is a lending institution in the Philippines that offers internet loans to salaried individuals. It’s a popular option for people who need fast cash. Since you can apply for a MoneyCat loan online, you can do it from almost anywhere. Should you, though? Keep reading this MoneyCat Philippines guide to see if the service is right for you.

About MoneyCat

Operating under the name MoneyCat Financing Inc, the MoneyCat service provides online lending solutions in the Philippines. The lender offers simple, fast, and convenient services to make borrowing possible for many individuals. Applicants don’t have to meet a lot of requirements, making Money Cat loans accessible to various needy Filipinos. MoneyCat Financing is licensed by the Securities and Exchange Commission, guaranteeing it’s legitimate as a lender. The website is safe to use, whether you are applying for an online loan on your computer or phone. MoneyCat is available as an Android app, allowing mobile users to borrow money on the move.

Loans Offered by MoneyCat

Loans Offered by MoneyCat

The online lender grants loans ranging from PHP 500 to 20,000, with interest rates of 11.9% per month, or a maximum APR of 145%. Your status as a MoneyCat customer determines how much you can borrow. A repeat customer qualifies for a larger loan amount than a new borrower. So, the more you borrow, the higher your limit.

When asking for a cash advance from MoneyCat, you can pick the amount and loan term. If it’s your first loan, the lender doesn’t charge interest or a processing fee. Check the interest rate and other charges if you are a repeat customer. Note that interest rates depend on amounts and terms. The online lender also considers your credit standing when setting the interest rate. Compared to traditional personal loans, MoneyCat has a low maximum limit. Nevertheless, you can get enough cash for a host of urgent needs.

Advantages of Borrowing Money from MoneyCat

If you are to get an instant online loan, you want to ensure it’s from a reliable, credible lender. Quick cash loans have become some of the easiest ways to prey on unsuspecting consumers. MoneyCat is a regulated lender, meaning it has to abide by specific rules. Therefore, you can be confident about the standard of services offered.

A big benefit of borrowing from MoneyCat is that the service is readily available. As long as you submit the required documents and complete the loan application correctly, the process is painless. Therefore, it doesn’t matter if you have never applied for an online loan before.

Getting your first loan from Money Cat is cost-efficient since it doesn’t incur processing fees or interest. You can use the entire amount to solve your money problems.

If you make repayments in time, you build your credit standing with the MoneyCat service, enabling you to boost your limit. In a few months, you could qualify for the maximum amount.

How to get a loan from MoneyCat

How to get a loan from MoneyCat

Most people turn to internet loans because they are simple and user-friendly, and MoneyCat is no exception. Regardless of your experience as a borrower, you can apply for a loan in a few minutes. Both the desktop site and mobile app are designed for the common consumer, with most of the information readily available. You don’t have to wait in line to submit a heap of paperwork. MoneyCat has a section on the site explaining how the loan application works. Below, we highlight the most critical aspects.

Borrower requirements

MoneyCat appeals to many borrowers because it doesn’t set a lot of prerequisites. Firstly, you have to meet the minimum age requirement of 22 years. Of course, you have to provide proof of this. The lending company offers loans to Filipinos living in the country. You must also be employed or have a stable income source at the time of the loan application. Additionally, you need an active personal bank account where the lender will disburse funds if your loan is approved.


So, you looked at the requirements and saw you are eligible for a MoneyCat loan. Before filling out the loan application form, know what else is needed to make the process as smooth-sailing as possible. You don’t have to submit a lot of documents when applying for a cash advance at MoneyCat. The site asks for a valid ID. It can be a voter’s card, driver’s license, passport, SSS, TIN, or UMID. You have to submit a picture of your ID and a selfie of you holding the same ID. You must also provide a personal mobile number and account details.

The Application process

Here’s how to apply for a loan at MoneyCat:

Step 1

Choose the Loan

On the Money Cat website or mobile app, select the amount you wish to borrow

Step 2

Sign Up

Proceed to fill out the online registration form. The service will send an authentication code (OTP) to verify the details. Enter the code to complete the application.

Step 3

Get Advice

MoneyCat will then call you to talk about the best financial solution for you. At this time, you can learn the basics, including the loan amount, terms, and calculating interest. You should prove you comprehend the contract.

Step 4

Approval Notification

If your application is accepted, MoneyCat will send an SMS about 30 minutes after the phone call. Note that the amount approved might not be the same as the product requested because credit ratings on the site determine how much you can borrow.

Step 5

Receive Money

The lender then transfers the loan proceeds to your bank account, and you can start spending it.

How long does it take to get approved?

MoneyCat ensures you receive funds in the shortest time possible, which is why it’s suitable for emergencies. After your application, the lender informs you in as little as 5 minutes if you got the loan. However, each application is evaluated individually, so, it could take longer. The service takes a maximum of 24 hours to approve loans. You will receive an email or SMS informing you of the decision. Ensure you provide accurate details during application to prevent any delays.

Ways to obtain and repay the loan

Ways to obtain and repay the loan

Once approved for a loan, MoneyCat sends the cash to your bank account. Presently, it’s the only disbursement method the lender uses. It has a list of the accepted banks, including BPI, Security Bank, Sterling Bank of Asia, UCPB, and the Philippine Veterans Bank. Check the complete list to make certain your bank is on it.

When it comes to paying back the loan, MoneyCat is a bit more flexible with payment alternatives. You can repay through payment centers. These include 7-Eleven, Bayad Center, and Cebuana Lhuillier. Another option is to pay over the counter at any of the accepted banks. Check the Money Cat platform for confirmation. The lender also supports repayments via e-wallets, such as PayPal, Gcash, and Dragon Pay. If you prefer to repay online, check the website for the step-by-step on how to do that. Ensure you repay the loan before or on the payment date.

MoneyCat Customer Service and Contacts

Although the MoneyCat website layout and loan application process is uncomplicated, you might still have some questions about the service. The company has a professional support team on standby to help borrowers who might need assistance. In the ‘Contact Us’ section, you will find the email address and phone numbers you can use to reach customer service. The Money Cat site also has a FAQs page that covers a range of topics, from interest rates to payment terms.


Quick cash loans are viable financial solutions in various situations. When you have nowhere to turn when you need money urgently, an online loan can save the day. MoneyCat Philippines is a dependable, legitimate lending service that can come in handy during dire circumstances. You can borrow money in five minutes from wherever you are. The lender doesn’t have a large maximum limit, though. Therefore, it’s perfect for small cash loans. New customers benefit from interest-free loans.