MoneyCat review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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%.

Key facts

Best for
Small personal and payday loans in the Philippines that need to land the same day.
APR
145% (Source, checked September 26, 2026)
Loan amount
₱500 to ₱20,000 (Source, checked September 26, 2026)
Term
65 to 180 months (Source, checked September 26, 2026)
Arrangement fee
First-time borrower 0 PHP processing fee; grace period fee 77 PHP (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
5 minutes after approval, up to 6 PM on the following banking day (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
22-60 years old, Filipino citizens residing in the Philippines, employed individuals and selected professionals (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Legal entity
MoneyCat Financing Inc. (Source, checked September 26, 2026)
Headquarters
Philippines (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
moneycat.ph

Pros and cons

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.
  • Help is available on email, phone and help centre for payments, changes and new applications.

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.
MoneyCat

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Scored 9.0 / 10 by BorrowCue.

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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.

Who runs it

MoneyCat is operated by MoneyCat Financing Inc., a direct lender headquartered in Philippines. It holds a licence from the Securities and Exchange Commission (Philippines), recorded as CS201953073. Questions about a payment, a change of details or a new application run through email, phone and help centre, so phone and email are the main routes in.

How MoneyCat compares

Where MoneyCat is available

Available
Philippines
Licence in Philippines
Securities and Exchange Commission (Philippines) (CS201953073), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

How quickly is the money paid out?+

Funding is part of the package, same day funding, and money is released within minutes of an approval, or by the close of the following banking day. The earlier cut-off depends on when the approval lands, so an evening application can wait for the next banking day.

What fees does MoneyCat charge?+

A first-time borrower pays no processing fee, though a grace period fee applies when a payment is covered by the grace period rather than made on time. That charge sits on top of the 145% rate, so covering a payment still costs money, and the arrangement fee line is worth reading before signing.

Is MoneyCat regulated?+

Yes. MoneyCat is operated by MoneyCat Financing Inc., a lender in the Philippines licensed by the Securities and Exchange Commission (Philippines), with the registration recorded as CS201953073. Because the lender is named and licensed, the party behind the loan is clear before you sign.

Who can apply for a MoneyCat loan?+

Applicants must be adults, Filipino citizens residing in the Philippines, and either employed or one of the selected professional groups. The application runs a hard credit check, so a declined application still shows on your credit record and can weigh on a future mortgage or car loan.

Can I repay the loan early?+

Yes. Early repayment is free, so settling the balance before 65 to 180 is finished adds no extra charge. That makes a shorter term the cheaper choice in practice, because the interest stops building on a balance that has already been paid off.

How do I reach MoneyCat?+

Support runs on email, phone and help centre, so phone and email are both there alongside a help centre. The licensed lender is MoneyCat Financing Inc., so keep the loan reference and the payment dates handy when you call about a repayment, a change of details or a new application.

Sources

  • moneycat.ph checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Free early repayment, Funding time, Loan types, Arrangement fee, Term

    “Amount 500 - 20000 php”

  • moneycat.ph/connect checked September 26, 2026

    Backs: Support channels

    “you may send your request, concern or feedback ... via special form at Support page of your personal cabinet ... For Globe/TM 0917 152 7089 ... 9 am - 6 pm Mon - Fri”

  • moneycat.ph/page/terms-and-conditions checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Licences

    “Registered address at Unit 2A, 17th Floor, Robinsons Cybergate Center 3, Pioneer Street, Mandaluyong City”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

MoneyCat

MoneyCat

Small personal and payday loans in the Philippines that need to land the same day.

9.0/10See alternatives

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