MoneyCat Financing Inc.: Empowering Financial Solutions for Individuals


MoneyCat Financing Inc., founded in 2010 and based in Pasig City, is a distinguished financial services firm that aims to provide individuals with short-term loans through a simple and efficient application process. With loan amounts ranging from ₱1,000 to ₱20,000, MoneyCat has gained popularity by offering its first loan at 0% interest. This attractive feature has captured the attention of many users who are seeking financial assistance.

The company has streamlined the loan application process, allowing users to conveniently apply online by filling out a comprehensive loan application form. In this review, we will explore the pros and cons of MoneyCat’s lending services, delve into the loan conditions, and discuss the methods of loan funding.


  1. Registered and Certified: MoneyCat is a certified entity registered with the Securities and Exchange Commission (SEC), which guarantees its authenticity and reliability. This accreditation provides users with confidence when engaging with the company’s services.
  2. Seamless Joining Process: MoneyCat takes pride in its user-friendly registration process, which can be completed within a mere 5 minutes. The straightforward steps ensure a hassle-free experience for individuals seeking financial assistance.
  3. Instant Fund Transfer: One of the notable advantages of MoneyCat is the swift transfer of funds upon meeting all necessary conditions. Once the borrower has completed the application process and fulfilled all legal and procedural requirements, the approved loan amount is transferred almost instantly to the borrower’s bank account. This quick access to funds enables individuals to address their financial needs promptly.
  4. Accessibility: MoneyCat endeavors to make the loan application process as convenient as possible, catering to individuals both within the Philippines and abroad. Regardless of their location, applicants can easily apply for a loan through the online platform, ensuring accessibility and convenience for users across different geographies.


  1. Customer Dissatisfaction: Despite its strengths, MoneyCat has received some feedback from customers expressing dissatisfaction with certain aspects of their services. Some borrowers have reported being subjected to frequent phone calls prior to the payment due date, which they find intrusive. Additionally, a subset of customers has raised concerns about the interest rates charged by MoneyCat, perceiving them to be exorbitant. It is important for prospective borrowers to consider these factors before engaging with the company.
  2. Limited Loan Amount: MoneyCat’s maximum loan limit of ₱20,000 may not adequately meet the financial requirements of individuals seeking larger loan amounts. This limitation may discourage borrowers who require substantial funds for their financial endeavors.
  3. Short Repayment Period: MoneyCat only supports loans with repayment periods ranging from 10 to 30 days. This relatively brief repayment window may pose challenges for borrowers with limited financial resources, as they might find it difficult to meet the repayment obligations within the specified timeframe. Additionally, the contract cancellation period is also short, further limiting the flexibility for borrowers.

Loan Conditions:

Conditions for the First Loan:

MoneyCat offers attractive conditions for first-time borrowers, designed to make the lending experience more beneficial and manageable:

  • Loan Amount: For new customers, MoneyCat offers loans ranging from ₱500 to ₱20,000, providing a flexible range of options to suit various financial needs.
  • Zero Percent Interest: As a part of its welcoming policy, MoneyCat allows new borrowers to avail themselves of an interest-free initial loan. This means that borrowers only need to repay the principal loan amount without any additional costs or service fees, providing a favorable borrowing experience.
  • Term Length: The term length for the first loan varies between 3 to 6 months or 180 days. Once the borrower has submitted the loan application, the approval process is typically completed within 24 hours, ensuring a swift response to loan requests.
  • Quick Fund Disbursement: After the loan has been approved, MoneyCat promptly transfers the loan funds to the borrower’s designated bank account. However, it is essential for borrowers to fulfill all legal and procedural conditions to ensure a smooth fund disbursement process.

Eligibility Criteria for the First Loan:

MoneyCat sets certain eligibility criteria for individuals seeking their first loan:

  • Age and Residency: MoneyCat accepts loan applications from individuals who are at least 22 years old and are Filipino citizens residing in the Philippines. Moreover, applicants must be employed or selected professionals to qualify for the loan.

Conditions for Subsequent Loans:

While the first loan offers favorable conditions, subsequent loans have different considerations:

  • Interest Rates: After the initial interest-free loan, subsequent loans are subject to a monthly interest rate of 11.9%, with a maximum Annual Percentage Rate (APR) of 145%. Borrowers should carefully evaluate their repayment capabilities and assess the impact of the interest charges before proceeding with subsequent loans.

Methods of Loan Funding:

MoneyCat provides various methods for individuals to secure a loan:

  • Registration and Document Submission: To initiate the loan application process, prospective borrowers must complete a registration form. The form requires essential personal information, including identification details, employment status, contact information, and bank account details. Applicants need to ensure that they possess a bank account in their name to facilitate loan disbursement.
  • Verification and Authentication: Once the borrower has submitted the registration form, MoneyCat verifies the provided information. To proceed with the loan application, borrowers may need to authenticate their identity through an authentication code sent to their registered phone number. This step ensures the accuracy and validity of the borrower’s information.
  • Financial Solution Guidance: Following authentication, a representative from MoneyCat will contact the borrower to offer guidance on suitable financial solutions. This stage aims to ensure that borrowers fully understand the terms, conditions, and contractual obligations associated with the loan. The representative will address any queries or concerns and work towards aligning the financial solution with the borrower’s specific requirements.
  • Contract Signing and Fund Transfer: Once the borrower confirms their agreement to the loan terms and conditions, they will be prompted to sign the relevant contracts using the authentication method provided by MoneyCat. After the completion of the authentication process, the approved loan amount will be transferred to the borrower’s bank account, facilitating immediate access to the funds.


MoneyCat Financing Inc. presents a compelling solution for individuals seeking short-term loans. With its registered and certified status, user-friendly registration process, and prompt fund transfer, MoneyCat aims to provide accessible financial assistance to borrowers. However, it is essential to consider the concerns raised by some customers regarding frequent calls and interest rates. Understanding the loan conditions, including eligibility criteria, repayment periods, and interest rates, is crucial before making an informed decision to borrow from MoneyCat. By carefully evaluating your financial needs and capabilities, you can determine whether MoneyCat’s lending services align with your requirements and provide a suitable solution to address your short-term financial constraints.

5/5 - (5 votes)
pautang Changed status to publish June 12, 2023