FAQ

 

Troubleshooting

 

My application has been approved, when can I receive the money?

The requested amount is sent immediately after signing the contract. You will receive the money depending on your bank (in 1-2 days or after the weekend). 

 

I have not received the money, what should I do?

We send the money to you a couple of seconds after confirming the contract. After that everything depends on your bank. The money will be disbursed from 8 am to 4 pm the day after the approved day. In case of application approval during the night you will receive the money the following morning. If the approval has occurred during the weekend you will receive the transfer on Monday.

 

How can I apply?

To apply, visit our website https://moneycat.ph, fill up the information and click the "GET CASH TODAY" button.

 

I did not receive an OTP Code

If you did not receive an OTP code within 5 minutes, check the mobile number you provided then click "Resend / Received Password Via SMS". If you still do not receive an OTP, kindly contact [email protected].

 

I sent the wrong bank account number

Account holder name and account number must be the same in the application. Otherwise, the money will not be transferred to the account and application will be automatically rejected.

 

Late Payment Posting / Already paid the loan but not posted

For payment related concerns like unposted payments you may reach DRAGONPAY support contacts:
Email: [email protected]
Hotline: 0286556820

 

Bank account requierments

For a secured transaction, we only deposit approved loan proceeds to a bank account number under your name. This account should be active and shouldn't be opened for payroll transfer. We deposit checking account to any of the following partner banks: Banco De Oro Bank of the Philippine Islands Chinabank EastWest Bank MBTC Philippine National Bank RCBC RCBC myWallet Security Bank UnionBank Land Bank UCPB Asia United Bank BPI Family Savings bank

 

Processing Time for Disbursement

We will send the requested amount immediately after confirmation of the contract. From there, it depends on your bank. Normally, the transfer takes place within a period of up to 2 days. We are working to make the disbursement process faster.

 

How to get a loan

 

How to apply for a loan?

4 easy steps to benefit from MoneyCat products:
1. Download our Mobile App Money Cat or go to the main page of our website https://moneycat.ph/
2. Please be sure to fill out correctly all the information on the MONEYCAT website or MONEYCAT mobile app, which will shorten the processing time and increase the chance of loan approval.
3. Confirm the loan contract by the OTP message. The OTP is sent to the registered mobile phone number.
4. Our verifiers will contact you to confirm the information (optional). Please ensure your availability for incoming phone calls.

 

What documents/ID do I need to prepare to borrow?

You need to provide one of the following mandatory ID - SSS, UMID or TIN You also could provide us with the following additional/supporting IDs: PRC, Drivers license, Passport.(for higher chance of approval) Please note that we need you to provide the picture of at least 1 of the 3 Mandatory IDs and selfie holding the same ID

 

How can I follow the status of my loan?

Information about the application status will be sent to your phone and email indicated during registration. When the application is approved, you will receive an SMS and email.

 

Where will I receive my loan?

You will receive the money on the bank account you provided on your application, actual posting time depends on your bank and in some cases it takes more than one business day (not including weekend and holiday).

 

When will I receive the loan?

We immediately transfer the approved loan to your bank account, actual posting time depends on your bank and in some cases it takes more than one business day (not including weekend and holiday).

 

How to apply for reloan?

Enjoyed our product? Get more benefits from special offers for our reliable customers, apply for re-loan:
1. Go to our website or mobile App and click on repeat Loan and fill up needed information then login
2. Once logged in you will have an option to apply for reloan, requested amount and terms then click Apply
3. You will receive an sms or email regarding the status of your loan application.
4. Once your loan is approved we immediately transfer the approved loan to your bank account, actual posting time depends on your bank and in some cases it takes more than one business day (not including weekend and holiday).

 

What if my loan was declined/rejected?

As much as we wanted to approve your application, we’re unable to find a suitable financial package for you at this point in time. Please get in touch with us after 30 days and from there we will be happy to assist you further.

 

Main requirements

 

What are the conditions/Requirements to apply for a loan?

Our successful borrower:
1. Has age of 22 years old and above
2. Has stable income.
3. Has a personal active bank account.
4. Filipinos that are currently living in the Philippines.
5. Provides 1 Valid ID (UMID, SSS ID or TIN)

 

Where should I live to get a loan?

We provide our services throughout the Philippines. You can apply wherever you are in the Philippines.

 

Bank account requirements.

For a secured transaction, we only deposit approved loan proceeds to a bank account number under your name. This account should be active and shouldn't be opened for payroll transfer. We deposit checking account to any of the following partner banks: Banco De Oro Bank of the Philippine Islands Chinabank EastWest Bank MBTC Philippine National Bank RCBC RCBC myWallet Security Bank UnionBank Land Bank UCPB Asia United Bank BPI Family Savings bank

 

Products Available

 

How much can I loan and for how long?

Our current loanable amounts for first-time applicants range from 1,000 to 3,800 PHP. Repeat borrowers in good standing can borrow up to 20,000. Use the Loan Calculator on the www.MoneyCat.ph website for your desired loan amount. Select a payment term between 7 and 28 days. The Calculator will compute for the total repayment amount.

 

How much is the interest rate?

Our interest rate depends on our product: maximum of 3% and min 0% per day. Overdue interest will be charged 3.0% every day.

 

Are there any hidden costs?

All costs are published and there are no hidden charges. To know more about all the charges and fees please take time to read our Loan Agreement Terms and Condition upon signing up for our services. Please, note that the online Calculator will compute your total repayment amount only until the due date.

 

How to repay

 

How to repay the loan?

You can repay a loan thru 7/Eleven, LBC, Bayad Center, SM Payment Center. All payment methods you can find out more here.

 

How to extend your loan term?

To extend your loan term, you must pay 7% from the current loan amount plus the charges. You can find the exact amount in the personal page in this link.

 

Can I pay my loan earlier than my due date?

Yes, you can. Please click the link for further information.