MoneyCat PH: Cash Loan Online Philippines (Fast Approval) Review 2024


MoneyCat is a reputable lending company that offers online loans in the Philippines. With a loan range from ₱1,000 to ₱20,000, MoneyCat aims to provide immediate financial solutions to individuals facing monetary constraints.

In this review, CashLoanPH will delve into the various aspects of MoneyCat Loan, including its features, interest rates, requirements, rules of registration, customer reviews, hotline, and support service. Additionally, we will provide a step-by-step guide on how to apply for a microloan on the MoneyCat website, along with detailed instructions for online loan repayment methods.


About MoneyCat Loan

MoneyCat Financing Inc., founded in 2010, is a leading financial services firm headquartered in Pasig City. The company specializes in facilitating short-term loans with a simple and efficient loan application process. MoneyCat offers loans ranging from ₱1,000 to ₱20,000, and what sets them apart is their enticing 0% interest rate for first-time borrowers. To apply for a loan, users can conveniently fill out an online loan application on their website.

Pros and Cons of MoneyCat

Before considering an online loan with MoneyCat, it is essential to weigh its advantages and disadvantages.


  • Registered and Certified: MoneyCat is registered with the Securities and Exchange Commission (SEC) and is a certified entity, ensuring its legitimacy and compliance with regulatory standards.
  • Quick and Easy Registration: Joining MoneyCat is seamless, requiring only 5 minutes to complete the registration process.
  • Fast Fund Transfer: Upon meeting all the necessary conditions, the loan amount is transferred almost instantly to the borrower’s bank account.
  • Accessibility: MoneyCat strives to make the loan application process simple, allowing users to apply for loans from the comfort of their homes or even while abroad.


  • Customer Dissatisfaction: Some MoneyCat customers have expressed dissatisfaction with frequent pre-due date calls and high-interest rates.
  • Loan Limitations: The maximum loan limit offered by MoneyCat is ₱20,000, which may not be satisfactory for individuals seeking larger loan amounts.
  • Limited Repayment Period: MoneyCat supports loans with repayment periods ranging from 10 to 30 days, which might not be suitable for customers with limited financial resources.

MoneyCat Loan Conditions

To better understand the loan conditions offered by MoneyCat, consider the following information:

Conditions for the First Loan

  • Loan Amount: MoneyCat offers an initial loan amount ranging from ₱500 to ₱20,000.
  • Zero Percent Interest: New customers are eligible for a zero percent interest rate on their first loan, only required to repay the principal loan amount without any service fees or additional costs.
  • Term Length: The loan term ranges from 3 to 6 months or 180 days, with approval typically granted within 24 hours.
  • Applicant Requirements: MoneyCat accepts loan applications from Filipinos residing in the Philippines who are at least 22 years old and employed or selected professionals.
  • Funds Disbursement: Upon meeting all legal and procedural requirements, the loan funds are promptly transferred to the borrower’s bank account.

Conditions for Subsequent Loans

  • Interest Rates: After the first interest-free loan, subsequent loans are subject to a monthly interest rate of 11.9%, with a maximum annual percentage rate (APR) of 145%.

Methods of Loan Funding

To obtain a loan from MoneyCat, customers need to complete a registration form and have up to ₱20,000 deposited into their account. MoneyCat provides access to reputable credit partners.

However, applicants must provide necessary documents, a valid phone number, and have a bank account in their name to secure a loan. Once the borrower verifies their information by entering an authentication code, the loan application will be processed.

A representative from MoneyCat will then contact the borrower to guide them through the financial solution and validate the terms, conditions, contracts, and loan demands. Upon agreement, the funds will be transferred to the borrower’s account.

Customer Reviews

MoneyCat has received mixed reviews from its customers. While many appreciate the convenience and quick fund disbursement, some have expressed dissatisfaction with certain aspects. Some customers have complained about receiving repeated calls before the payment due date, which can be intrusive and bothersome.

Additionally, a few customers have mentioned concerns about the interest rates, perceiving them to be high compared to other lending options.

However, it’s important to note that customer experiences may vary, and it’s advisable to thoroughly research and consider these factors before making a decision.

MoneyCat Hotline and Support Service

MoneyCat provides a dedicated hotline and support service to assist customers with their inquiries, concerns, and loan-related issues. The hotline is accessible during business hours, allowing customers to seek prompt assistance from the company’s customer support team. The support service aims to provide comprehensive guidance and address any questions or problems that customers may encounter throughout the loan application and repayment process.

FAQ – MoneyCat Loan

To address common queries about MoneyCat, we have compiled a list of frequently asked questions:

What is MoneyCat?

MoneyCat is a global finance company that offers convenient and fast financial solutions to its customers.

Who owns the company?

MoneyCat is operated by MoneyCat Financing Inc., with Igor Vadanyuk serving as the current CEO.

How can one qualify for MoneyCat?

To apply for a loan with MoneyCat Philippines, applicants need a valid photo ID, a working phone number, and a bank account under their name.

What is the loan amount range?

MoneyCat offers loans ranging from ₱500 to ₱20,000.

Is MoneyCat a legitimate company?

MoneyCat is a registered firm listed on the SEC website, ensuring its lawful operation in the Philippines and compliance with supervisory authority inspections.

In conclusion, MoneyCat provides a reliable and accessible online loan service to individuals in the Philippines. With its user-friendly application process and the option for a zero percent interest first loan, MoneyCat appeals to many borrowers.

However, it is crucial to consider the limitations, such as loan size and repayment period, along with potential customer service concerns. By understanding the loan conditions, following the provided step-by-step guide, and being aware of customer reviews and support services, individuals can make informed decisions when applying for a microloan through MoneyCat’s website.

5/5 - (10 votes)
CashLoanPH Changed status to publish 17/06/2023