Instant cash loan online

Up-to
for in 5 minutes
First loan for

I am borrowing

500 PHP

20,000 PHP

10 days

20 days

30 days

I return (PHP)

First Payment Date

2,000 Php

(including premium)

Fast disbursement + 0 PHP

Grace period fee + 77 PHP

I return (PHP)
2,000 Php

2,000 Php

First Payment Date
2,000 Php

After the application assessment, the loan product that will be approved for the customer may differ from the customer's initial request. By clicking the button GET CASH TODAY! above you acknowledge that you have read and agreed on the Terms and Conditions and Privacy policy.

I read, understood and accept the Terms & Conditions of MCFI

I read, understood and accept the Privacy Policy of MCFI

Only 4 steps to get a loan and pay it back

MoneyCat - The most reputable instant cash loan online website in Philippines with simple procedures, quick disbursement and professional support staffs will meet the different needs of customers.

Instant cash loan online Philippines - Fill up the application

Sign up
Fill up the application
and confirm using the OTP
code.

Instant cash loan online Philippines - Get approval within 30 minutes

Call for Approval
Get SMS notification
about approval within
30 minutes after the
phone call.

Instant cash loan online Philippines - Receive the money within 30 minutes

Take the money and
enjoy
Receive the money
in your bank card
within 30 minutes.

Instant cash loan online Philippines - Make repayment

Make Repayment
Pay back through
any method using
DragonPay.

Only 4 steps to get a loan and pay it back

MoneyCat - The most reputable instant cash loan online website in Philippines with simple procedures, quick disbursement and professional support staffs will meet the different needs of customers.

Sign up
Fill up the application
and confirm using the OTP
code.

Call for Approval
Get SMS notification
about approval within
30 minutes after the
phone call.

Take the money and
enjoy

Receive the money
in your bank card
within 30 minutes.

Make Repayment
Pay back through
any method using
DragonPay.

An instant Online Loan
is an online installment form of credit
with comfortable repayment terms.

Our platform provide instant cash loan online with flexible terms, helping customers to choose the best fit depending on their financial situation and ability to repay the loan.

Term
3-6 months

Amount
500 - 20000 php

Interest rates
11.9% per month maximum APR = 145%

Term
3-6 months

Amount
500 - 20000 php

Interest rates
11.9% per month maximum APR = 145%

Who is eligible to get a loan?

As one of the most reputable online personal cash loan platforms in Philippines, MoneyCat provides diverse services to customers with extremely simple processes and procedures.

Instant cash loan online Philippines - Age

From 22 years old.

Instant cash loan online Philippines - Location

Filipinos currently
living in the
Philippines

Instant cash loan online Philippines - People with stable income

Employed individuals
and selected
professionals

22-60 years old

Filipinos currently
living in the
Philippines

Employed individuals
and selected
professionals

Testimonials

Customer reviews are a strong testimony for the quality of our services. Please contact us if you have any comments or suggestions about the service.

Iza Presnillo

Accountant

«Nangailangan ako ng pera pero ayaw ko abalahin ang pamilya ko.Buti na lang may MoneyCat. Na-solve agad problema ko.»

Elena Sanchez

Convenience store clerk

I went to Manila to work for a short time because I had not received my first salary but the living and renting expenses incurred, I needed an urgent amount of money. MoneyCat has helped and supported me during that difficult time. Thank you!

Divine Ibañez

Factory worker

Nagkasakit ang anak ko at nangailangan ng malaking halaga ng pera. Hindi mataas ang sweldo naming mag-asawa kaya hindi namin alam saan kukunin ang pera. Buti na lang sinabihan ako ng mga kaibigan ko tungkol sa MoneyCat. Mabilis na, simple pang gamitin! Gagamit ako ulit ng MoneyCat sa susunod.

Leonardo Felias

Taxi driver

I drive daily to make a living. My car was broken and I needed money to repair it quickly. MoneyCat helped me complete the procedure as quickly as possible to receive the money. Very convenient and guaranteed.

Wincel Conwi

Chef

I did not have time to send money to school to pay for my children\'s school fees. I used MoneyCat service to ask for support. Thanks to the timely help of the service, my child was more assured to continue his studies. Thank you!

Pearl Fabia

Logistician

Sinubukan kong mag-loan sa bangko. Lumipas ang 2 linggo pero na-disapprove application ko. Bibili sana ako ng mga gamit para sa mga anak ko worth ₱3,000. Kaso, 1-2 linggo bago ko mabayaran yon. Salamat sa mabilis at maayos na serbisyo, MoneyCat!

1946 satisfied customers

Frequently Asked Questions

Application and Requirements

How long to know if I'm approved?

The result of online loans fast approval from MoneyCat will be sent to you by email/SMS, as fast as 5 minutes and a maximum of 24 hours once you submit your application. You might also receive a call for verification, keep your lines open for faster processing.

What is the interest rate and charges?

With our instant cash loan service, we offer loans for our first-time borrowers with 0% interest and no processing fee. For Repeat borrowers, you may check the interest and other fees on our terms and conditions and disclosure of statement before submitting your application. The interest rate depends also on the approved amount and terms. Having good credit standing with us will give you lower interest rates. To build a good credit score, continue availing our services and products.

Can I cancel my loan?

This can be done only if your application status is still under assessment. If your loan application has been approved, we immediately transfer loan proceeds to your bank account and can no longer cancel the loan.

How long are the terms available?

Our loan terms available are from 7 days up to 30 days. You may request your desired term but please note that your request is subject to approval based on our system evaluation and credit scoring.

How much Can I borrow?

For our online loans fast approval service, the loanable amount ranges from P500 to P20,000. Note that your initial requested amount may differ from the approved amount after the assessment of your application.

Why is my application is rejected?

We really appreciate your interest in availing of our product and service, however, based on our system evaluation we cannot offer you any loans at the moment. We are continuously working on developing new products to serve you in the future. You can re-apply again after 30 days.

Loan Disbursement

How to get money from our online loans service? (disbursement options)

The result of online loans fast approval from MoneyCat will be sent to you by email/SMS, as fast as 5 minutes and a maximum of 24 hours once you submit your application. You might also receive a call for verification, keep your lines open for faster processing.

What if I don’t have bank account?

As of the moment, we only deposit loan proceeds to a bank account under your name for secured transactions. Don't worry, we are working to add more safe disbursement options for you in the future. You can create a bank account online, there are banks that offer to create a bank account via mobile app like Unionbank, Once you secured a bank account you can now apply for a loan.

How long to receive the loan?

With our online loans fast approval service, loan proceeds will be transferred to your personal bank account immediately once approved. Duration also depends on your bank from 5 mins after approval to 6 PM on the following banking day.

Payment Concern

Can I pay earlier than my due date?

Yes. Paying on time or earlier than your due date will keep you away from additional charges, increase your credit score and give you better conditions for your next loan. If you have an existing loan, just log in to your account to check the exact amount the same day you will make a payment.

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Comprehensive information on cash loan online Philippines with MoneyCat

Are cash loan online Philippines legit?

In the Philippines, online cash loans are a legit financial option. However, it's crucial to exercise caution and verify the legitimacy of lenders to avoid scams and fraudulent activities.

How to verify the legitimacy of a cash loan online lender?

Check for Registration: Ensure the lender is registered with the appropriate government financial authorities in the Philippines. Online financing and lending enterprises serving the Filipino market must adhere to legal regulations, necessitating registration with both the Department of Trade and Industry (DTI) and the Securities and Exchange Commission (SEC). These entities typically maintain a physical office presence in the Philippines, ensuring traceability in the event of any unforeseen issues.
Read Reviews: Look for reviews and testimonials from other borrowers to gauge the reputation of the online lender.
Contact Information: Legitimate lenders provide clear contact information. Verify their physical address and contact numbers.
Transparent Terms and Conditions: Scrutinize the terms and conditions. Legitimate lenders are transparent about interest rates, fees, and repayment terms.
Secure Website: Check for a secure website (https://) and a privacy policy, ensuring your personal information is protected.

How can I borrow cash loan online urgently?

Many online personal loan providers like MoneyCat ensure rapid approval, with some even offering same-day approval, while the standard timeframe is typically within 24 business hours. The primary factor contributing to delayed approval is often incomplete documentation. To push the approval process and meet the specified timeframe, it is advisable to collect all required documents in full before submitting them to the loan provider.

Can I apply for a cash loan Philippines while I’m abroad?

Many online lenders in the Philippines allow overseas applications. Ensure you have a stable internet connection to complete the online application process without any interruption.

Online Loan vs. Personal Loan: Understanding the Difference

Online Loan: Typically refers to a loan application and approval process conducted online, often with a faster turnaround time.
Personal Loan:A broader term encompassing various types of loans, including those applied for online. Personal loans may have different eligibility criteria and terms.

Benefits to apply cash loan online Philippines at MoneyCat?

Quick Approval: MoneyCat offers fast approval processes for online cash loans.
Flexible Repayment Options: Enjoy flexible repayment terms tailored to your financial situation.
Competitive Interest Rates: MoneyCat provides competitive interest rates for our cash loan online Philippines

Steps for loan application in the Philippines at MoneyCat

Visit the Website or App: Go to the MoneyCat website or App
Create an Account: Register for an account on the platform.
Fill Out Application: Complete the online application form with accurate information.
Submit Documentation: Upload the required documents for verification.
Wait for Approval: Await the approval of your loan application.
Receive Funds: Once approved, funds will be transferred to your designated bank account.

The general documentary requirements for online loans fast approval Philippines of MoneyCat

When applying for an online loan with MoneyCat in the Philippines, you typically need to provide the following documents:

Valid ID: Government-issued identification for verification purposes.
Proof of Income: Documents such as payslips or proof of employment to demonstrate your ability to repay the loan.
Proof of Address: Utility bills or any document that confirms your residential address.
Bank Statements: Recent bank statements to assess your financial stability.

What are the usual payment options?

MoneyCat typically provides a range of payment options to make the repayment process convenient for borrowers. They include:

OnlineBanking: Utilize online banking services to make payments directly from your bank account.
Mobile Payment: Make payments through mobile payment apps, which are convenient for on-the-go transactions.
Over-the-Counter: Visit designated payment centers to make payments in person. This option is suitable for those who prefer face-to-face transactions.

It's crucial to note that payment options may vary, and MoneyCat might introduce new features or adjust its services over time. Always refer to the most recent information provided by MoneyCat for the specific payment options available to borrowers.

Do I need to have a good credit score to apply for a cash loan Philippines at MoneyCat?

MoneyCat understands that not everyone may have a perfect credit history. While a good credit score can be beneficial, it's not always a strict requirement for loan approval. MoneyCat considers various factors, including your income and repayment capacity, when evaluating loan applications.