MocaMoca Loan App Philippines Review: Is It Legit? Loan Info and Terms? More

Financial emergencies or daily expenses can arise unexpectedly. To address these situations, having access to a fast and convenient loan service is essential. Enter MocaMoca, a mobile loan app available in the Philippines, providing reliable financial solutions for your immediate needs.

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Summary about MocaMoca Loan App

Loan App ⭐ MocaMoca – Safe and fast loan
Company Name ⭐ Copperstone Lending Inc.
SEC Registration No. ⭐ 2021050012959-04
Registered Business Name ⭐ MocaMoca
Certificate of Authority No. ⭐ 3454
Address ⭐ The Penthouse, Marajo Tower, 26th St. Cor. 4th Ave. Bonifacio Global City, 312 Metro Manila, Fort Bonifacio, Taguig City, Fourth District, National Capital Region (NCR), 1634
Email [email protected]
Loan Amount ⭐ Min ₱2,000 – Max ₱20,000
Loan Term ⭐ Min 180 days (shortest, including renewal) – Max 360 days (longest, including renewal)
Fees and Charges ⭐ Annual Interest Rate (APR): Maximum interest rate is 10%
⭐ Service Fee: 10% upon disbursement (subject to profile evaluation)
⭐ Other Fees: None. Absolutely no hidden charges.


Company Information

MocaMoca is backed by Copperstone Lending Inc., a registered financial institution in the Philippines. The company operates under SEC Registration No. 2021050012959-04 and the business name “MocaMoca.” It is authorized to provide financial services under CERTIFICATE OF AUTHORITY NO. 3454. You can reach MocaMoca at their registered address: The Penthouse, Marajo Tower, 26th St. Cor. 4th Ave., Bonifacio Global City, 312 Metro Manila, Fort Bonifacio, Taguig City, Fourth District, National Capital Region (NCR), 1634. For inquiries, you can contact them via email at [email protected].

Loan App Details

MocaMoca offers a range of loan packages tailored to your specific financial needs. Whether you require a small amount or a larger sum, MocaMoca’s transparent and easy-to-understand process ensures you get access to funds quickly. The annual interest rate (APR) is capped at 10%, and there’s a service fee of 10% upon disbursement, which is contingent upon your profile evaluation. Importantly, MocaMoca prides itself on transparency and assures users that there are absolutely no hidden fees.

MocaMoca’s customer service team is available seven days a week, from 8:00 AM to 8:00 PM. If you need assistance or have questions, you can easily get in touch through the communication channels provided.

Key Features of MocaMoca

The MocaMoca App is designed with users’ convenience in mind and offers a host of features to make your financial transactions smooth and hassle-free.

Quick and Convenient Loan Application

Applying for a loan through MocaMoca is a straightforward process. You can complete the entire application from the comfort of your home using your mobile phone. There’s no need for physical meetings or lengthy paperwork. This streamlined process saves you valuable time and effort.

Diverse Loan Packages and Attractive Interest Rates

MocaMoca understands that one size doesn’t fit all. They offer a variety of loan packages to cater to different financial needs. Whether you need a small, short-term loan or a larger one with a longer repayment period, MocaMoca has you covered. Additionally, the attractive interest rates are designed to ensure that you don’t end up overburdened with debt.

No Collateral Required and No Physical Meetings

MocaMoca’s approach is user-friendly. They don’t ask for collateral, which reduces the risk involved in borrowing. Moreover, there’s no need to meet with anyone in person. The entire loan process is conducted online, ensuring the safety and convenience of users.

Loan Package Information at MocaMoca

Understanding the specifics of the loan packages is crucial before applying for a loan through MocaMoca.

  • Loan Amount: You can borrow a minimum of ₱2,000 and a maximum of ₱20,000.
  • Loan Tenure: The loan term varies, but the minimum is 180 days, including renewals, and the maximum is 360 days, also including renewals.
  • Annual Percentage Rate (APR): The APR is capped at 10% per year.
  • Service Fee: A service fee of 10% is deducted upon disbursement, and it is contingent upon your profile evaluation.
  • No Hidden Fees: MocaMoca prides itself on transparency, assuring users that there are no hidden charges beyond the specified fees and interest rates.

Loan Case Sample:

Let’s break down an example for better clarity. If you apply for a loan with a principal amount of ₱2,000 and a loan period of 180 days (6 months), with an annual interest rate (APR) of 10%, a one-time service fee of 10%, and no other fees, here’s how the calculations would work:

  • Service fee: ₱2,000 * 10% = ₱200
  • Amount received: ₱2,000 – ₱200 = ₱1,800
  • Total interest fees: ₱2,000 * 10% * 180 / 365 = ₱99
  • Total payable amount at the due date: Loan amount + Interest fees = ₱2,000 + ₱99 = ₱2,099
  • Monthly repayment: ₱2,099 / 6 = ₱350

Guide to Applying for a Loan at MocaMoca

If you’re interested in borrowing through MocaMoca, it’s important to follow these steps for a smooth and efficient process.

Meet the Loan Eligibility Criteria

MocaMoca sets some basic criteria for potential borrowers:

  • Citizenship: You must be a valid citizen of the Philippines.
  • Age: Borrowers should fall within the age range of 18 to 50.
  • Financial Information: You’ll need to provide details about your income and repayment capacity.
  • Personal Information: Ensure that the personal information you provide is accurate and complete.
  • Documentation: You’ll need to submit a photo ID and a portrait photo of yourself.
  • Bank Account: Having a bank account is essential for the disbursement of funds. Make sure you have one and download the MocaMoca mobile application.

Steps to Apply for a Loan through MocaMoca

Step 1: Download and Install the MocaMoca App

  • Obtain the APK/IOS app from
  • Register for quick loans through the website.

Step 2: Create an Account

  • Open the MocaMoca app on your mobile device.
  • Choose “Register” or create a new account.
  • Provide all required personal information, such as name, address, phone number, ID number, date of birth, and more.
  • Confirm the information and proceed with the registration.

Step 3: Identity and Information Verification

  • Following a successful registration, you will be prompted to verify your identity and personal information.
  • You’ll need to provide identity verification documents like your ID card or passport, utility bills, or other documents as required by MocaMoca.
  • Follow the in-app instructions to complete the identity verification process.

Step 4: Choose a Loan Package and Amount

  • Access the MocaMoca app and locate the “Loan” section or a similar option.
  • Browse through the available loan packages and select the one that aligns with your financial needs.
  • Input the desired loan amount and choose the loan term.

Step 5: Submit the Loan Request

  • Carefully review your registration information to ensure its accuracy.
  • Finalize the process by submitting the loan request through the “Submit” button or a similar option.

Step 6: Processing and Loan Approval

  • Once you’ve submitted the loan request, MocaMoca will review and process your information.
  • You’ll need to wait for a notification regarding the processing and approval of the loan, with the exact processing time varying based on MocaMoca’s internal procedures.
  • Once your loan request is approved, the loan amount will be disbursed to your bank account using transfer methods or compatible e-wallets supported by MocaMoca.

Promotions on MocaMoca

MocaMoca goes beyond being just a lending platform; they also offer attractive promotions to enhance the value for their customers. Here are some of the notable promotions available on MocaMoca:

0% Interest Rate for First-Time Borrowers

New customers who borrow money for the first time through the MocaMoca app have the opportunity to enjoy a 0% interest rate. This incentive helps you save significantly on interest costs during the repayment process.

Increased Credit Limit for Customers with Good Credit History

If you’ve demonstrated responsible borrowing behavior and maintained a positive repayment history with MocaMoca, you may become eligible for a credit limit increase. This means you can borrow larger amounts to meet more substantial financial needs.

Interest Rate and Credit Limit Incentives for Referring Friends and Family

MocaMoca values its existing customers and encourages them to refer the MocaMoca app to friends and family. In return, you have the chance to receive interest rate incentives and credit limit increases if the person you referred successfully registers and borrows money through the MocaMoca app.

Monthly Promotional Programs

MocaMoca regularly organizes monthly or quarterly promotional programs to provide additional value for customers. These promotions may include special interest rate reductions, increased credit limits, or other enticing rewards. To make sure you don’t miss out on these attractive offers, stay updated with MocaMoca’s announcements and news.

Frequently Asked Questions (FAQs)

Here are answers to some commonly asked questions related to the MocaMoca app:

Why Am I Unable to Borrow Money?

There could be several reasons why you might not be able to borrow money through the MocaMoca app. This could be due to insufficient or non-compliant profile information that doesn’t meet MocaMoca’s loan requirements. These requirements may include factors like age, credit history, income, and repayment capability. It’s advisable to review your personal information and make sure it aligns with the necessary criteria.

How Much Can I Borrow as a First-Time Borrower?

For new customers and first-time borrowers on the MocaMoca app, the initial credit limit is typically lower. However, the maximum amount you can borrow usually falls within the range of 5 million to 10 million VND. MocaMoca assesses your personal and financial information to determine the credit limit and provide an appropriate borrowing amount.

Can I Borrow on Behalf of a Family Member?

The MocaMoca app doesn’t allow borrowing on behalf of family members. To borrow money through the app, you need to be the borrowing entity, and your personal information must match the registered customer.

Are There Service Fees for Borrowing Money?

Borrowing money through the MocaMoca app is entirely free of service fees. You only need to repay the agreed-upon interest and principal amount you borrowed.

How Long Does the Disbursement Process Take?

Once your loan application is successfully approved on the app, the borrowed amount will be disbursed to your bank account. The disbursement time depends on the bank you are using and their internal processes. Typically, the disbursement process can take anywhere from a few hours to one business day.

If you have any further questions or need detailed advice and assistance, please don’t hesitate to contact MocaMoca’s support team through the app or the provided hotline number.


MocaMoca, the fast and convenient mobile loan app in Philippines, offers diverse loan packages with attractive interest rates. Once registered and approved, you will receive the money in your bank account. The process is simple, collateral-free, and doesn’t require physical meetings. In addition to its seamless borrowing process, MocaMoca offers a range of promotions and credit limit increases for customers. To experience the convenience and flexibility of borrowing money, download the MocaMoca app today. It’s not just a loan app; it’s your financial ally.

5/5 - (10 votes)

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