Updated October 17, 2026 · BorrowCue Editorial Team
MoneyCat vs myKredit
Where MoneyCat and myKredit differ
| Compare |  MoneyCat |  myKredit |
|---|---|---|
| Loan amount | ₱500 to ₱20,000 | €600 |
| Term | 65 to 180 monthsHigher | 30 months |
| Credit check | Hard | None |
| Funding time | 5 minutes after approval, up to 6 PM on the following banking day | funds transferred within 10 minutes of approval |
| Eligibility | 22-60 years old, Filipino citizens residing in the Philippines, employed individuals and selected professionals | Adults with a valid DNI or NIE |
| Loan types | Personal, PaydayCovers more | Payday |
| APR | 145% | Not confirmed |
| Arrangement fee | First-time borrower 0 PHP processing fee; grace period fee 77 PHP | Not confirmed |
| Lender type | Direct lender | Not confirmed |
| Free early repayment | Yes | Not confirmed |
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Key differences
- MoneyCat scores higher overall: 9.0 vs 8.1.
- Term is higher at MoneyCat: 65 to 180 months vs 30 months.
- Support channels: only MoneyCat offers Email, Phone, Help centre.
- Support channels: only myKredit offers Chat.
- Loan types: only MoneyCat offers Personal.
Our verdict on each
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%.
myKredit
myKredit in Spain describes online lending and online applications. Spanish residence is one stated application criterion, not a complete list of conditions.
Score breakdown
| Area | MoneyCat | myKredit |
|---|---|---|
| Cost | 8.6 | Not confirmed |
| Offer | 9.0Higher | 8.1 |
| Trust | 9.2 | Not confirmed |
Licences and countries
| Country | MoneyCat | myKredit |
|---|---|---|
| Philippines | Securities and Exchange Commission (Philippines) CS201953073 | Not confirmed |
Additional countries for MoneyCat: 1. Additional countries for myKredit: 1.
Also worth a look
Sofkredit has term at 6 to 240 months, against 65 to 180 months for MoneyCat and 30 months for myKredit.
Sofkredit reviewSources behind this comparison
MoneyCat
- moneycat.ph: 14 facts, checked September 26, 2026
myKredit
- mykredit.es: 8 facts, checked October 17, 2026
How they place
| Ranking | MoneyCat | myKredit |
|---|---|---|
| Personal loans | 731 of 1920 | 2 of 1920 |
Every fact side by side
| Fact | MoneyCat | myKredit |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | MoneyCat Financing Inc. | Not confirmed |
| Headquarters | Philippines | Not confirmed |
| Support channels | Email, Phone, Help centre | Chat |
Where each stands against the rest
| Fact | MoneyCat | myKredit | Median |
|---|---|---|---|
| APR | 145%highest quarter | Not confirmed | 8.95% |
| Term | 65 to 180 monthshighest quarter | 30 monthsbelow the median | 60 |
Median across 1190 listed lenders.
Pros and cons
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.
myKredit
Pros
- Online loan applications are described.
Cons
- Residence alone does not establish full eligibility.
Who each suits
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.
myKredit
Who it suits
- Spanish residents reviewing myKredit's online application route and criteria.
Who should look elsewhere
- Applicants relying on residency alone as proof they qualify.
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 | MoneyCat | myKredit |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | Yes |
Questions about each
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.
myKredit
What kinds of credit does myKredit offer?+
myKredit offers short term credit that is arranged online for borrowers in Spain. The range stays focused on small sums for urgent everyday needs rather than long projects. Each request is assessed individually, so the outcome depends on the details the applicant provides. Borrowers who need a longer structure will find a different product better suited to that purpose.
Who is the service designed for?+
The service is designed for adults in Spain who hold a valid identity card or a foreigner identity number and who are comfortable managing matters online. It is less suited to anyone who prefers face to face guidance or a longer arrangement. Anyone considering the service should review the full conditions carefully before deciding.