Updated September 28, 2026 · BorrowCue Editorial Team
Amanahkredit MY vs MoneyCat
Amanahkredit MY vs MoneyCat: the differences
| Compare |  Amanahkredit MY |  MoneyCat |
|---|---|---|
| APR | 18%Lower | 145% |
| Loan amount | MYR 300 to MYR 5,000 | ₱500 to ₱20,000 |
| Term | 2 to 30 months | 65 to 180 monthsHigher |
| Arrangement fee | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) | First-time borrower 0 PHP processing fee; grace period fee 77 PHP |
| Funding time | Within 24 hours of approval, same day if applied before 5 pm | 5 minutes after approval, up to 6 PM on the following banking day |
| Eligibility | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account | 22-60 years old, Filipino citizens residing in the Philippines, employed individuals and selected professionals |
| Loan types | Personal, Payday, Student, BusinessCovers more | Personal, Payday |
| Credit check | Not confirmed | Hard |
| Rate type | Fixed | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- APR is lower at Amanahkredit MY: 18% vs 145%.
- Term is higher at MoneyCat: 65 to 180 months vs 2 to 30 months.
- Loan types: only Amanahkredit MY offers Student, Business.
Our verdict on each
Amanahkredit MY
Amanahkredit MY is a licensed Malaysian direct lender for small, short personal and payday loans that fund quickly, at an APR of 18%. That sits below the payday ranking median of 36.5%, so it suits borrowers who put payout speed and charge-free early settlement ahead of the lowest price.
MoneyCat
MoneyCat lends directly in the Philippines to employed adults and selected professionals, and it suits anyone who needs a small personal or payday loan turned around fast. Borrowing costs more here than on most of the market, with an APR of 145% against a site median of 12%.
Score breakdown
| Area | Amanahkredit MY | MoneyCat |
|---|---|---|
| Cost | 8.9HigherAPR 18% on MYR 300 to MYR 5,000 over 2 to 30, plus an arrangement fee taken upfront from the disbursement amount. | 8.6 |
| Offer | 8.6 | 9.0Higher |
| Trust | 9.2 | 9.2 |
From lowest to highest
| Fact | Amanahkredit MY | MoneyCat |
|---|---|---|
| Term | 2 to 30 months | 65 to 180 months |
Positions in our rankings
| Ranking | Amanahkredit MY | MoneyCat |
|---|---|---|
| Personal loans | 656 of 1920 | 731 of 1920 |
| Payday and short-term loans | 121 of 247 | 131 of 247 |
Sources behind this comparison
Amanahkredit MY
- amanahkredit.my: 16 facts, checked September 26, 2026
MoneyCat
- moneycat.ph: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | Amanahkredit MY | MoneyCat |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) | MoneyCat Financing Inc. |
| Headquarters | Malaysia | Philippines |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Amanahkredit MY | MoneyCat | Median |
|---|---|---|---|
| APR | 18%above the median | 145%highest quarter | 8.99% |
| Term | 2 to 30 monthsbelow the median | 65 to 180 monthshighest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Amanahkredit MY
Pros
- Licensed in Malaysia by the Ministry of Housing and Local Government (KPKT) under WL3468/01/01-11/270127.
- Funds go out Within 24 hours of approval, same day if applied before 5 pm, with same-day funding among same day funding.
- Early repayment carries no charge, so a shorter payoff costs nothing extra.
Cons
- An APR of 18% is above the site median of 12% and above Monzo Flex at 10% to 23%.
- Terms run 2 to 30, well short of the site median term of 36.
MoneyCat
Pros
- As a direct lender, the money comes from MoneyCat Financing Inc. itself rather than a third party.
- Same-day funding: same day funding, with money released within minutes of approval or by the following banking day.
- Early repayment is free, and a first-time borrower pays no processing fee.
Cons
- The 145% rate leaves MoneyCat ranked 330 of 350 brands on APR, so cost is the price of the speed.
- hard credit checks run on every application, so a decline still shows on your credit record.
- A grace period fee applies, so a covered payment costs extra even though processing is free for a first-time borrower.
Who each suits
Amanahkredit MY
Who it suits
- Malaysian citizens with a MyKad, stable employment and an active local bank account.
- Applicants who need money the same day and would rather clear a short term than stretch it.
- Borrowers who want to settle early without a charge and prefer dealing with a direct lender.
Who should look elsewhere
- Cost-first borrowers, since 18% sits above the site median of 12% and above Monzo Flex at 10% to 23%.
MoneyCat
Who it suits
- Employed adults and selected professionals who are Filipino citizens residing in the Philippines.
- Borrowers who need a small personal or payday loan and can clear a hard credit check.
- Anyone who can settle early, since 65 to 180 repayments need not all run their full course.
Who should look elsewhere
- Cost-first borrowers: Monzo Flex lends at 10% to 23%, well below the 145% here.
- Anyone after interest-free terms: Cashspace ES lists 0%.
- Borrowers needing a larger sum or longer term than PHP 500 to PHP 20,000 and 65 to 180 allow.
Current offers
MoneyCat
Current offer
First period offer
First loan for FREE: 0% interest, 0 PHP processing fee
First loan for first-time borrowers; 0% interest and no processing fee, advertised on the loan calculator
Source, checked September 26, 2026
Country by country
| Country | Amanahkredit MY | MoneyCat |
|---|---|---|
| Malaysia | Yes | No |
| Philippines | No | Yes |
Questions about each
Amanahkredit MY
What rate does Amanahkredit MY charge?+
The published APR is 18%, and the rate type is fixed, so the cost does not drift during the term. That sits above the site median of 12% but below the payday ranking median of 36.5%, where short-term fixes tend to price out.
How much can I borrow, and over what term?+
Loan amounts run MYR 300 to MYR 5,000 and terms run 2 to 30, with home improvement given as the main use. The listed categories are personal, payday and student. That menu suits a planned bill or a contained repair rather than a large project.
MoneyCat
What rate does MoneyCat charge?+
The stated APR is 145%, which is high next to a site median of 12%. The rate applies to the personal and payday loans alike, so cost is the main thing to weigh before applying. Borrow for as short a time as possible, since interest builds on the balance outstanding.
How much can I borrow, and over what term?+
Loan amounts run PHP 500 to PHP 20,000, and repayment terms run 65 to 180. That range suits a shortfall or an emergency rather than a major purchase, a car or a home. A longer term spreads the payments but keeps the interest running, so the total cost depends as much on the term you pick as on the rate.
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