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MoneyCat review

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

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Our verdict

MoneyCat is a Philippine lender for employed adults with a credit file, suiting short borrowing that has to reach a bank account fast. The trade-off is price: an APR of 145% sits well above the 36.5% median across payday lenders, and the saving only comes for borrowers who clear the balance early.

Key facts

Best for
Employed Filipinos who need cash in a bank account quickly and can clear a high rate fast.
APR
145%↗
Loan amount
₱500 to ₱20,000↗
Term
65 to 180 months↗
Arrangement fee
First-time borrower 0 PHP processing fee; grace period fee 77 PHP↗
Credit check
Hard↗
Funding time
5 minutes after approval, up to 6 PM on the following banking day↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
22-60 years old, Filipino citizens residing in the Philippines, employed individuals and selected professionals↗
Loan types
Personal, Payday↗
Legal entity
MoneyCat Financing Inc.↗
Headquarters
Philippines↗
Support channels
Email, Phone, Help-centre↗
Features
Same-day funding
Official website
moneycat.ph

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • Same-day funding is a headline feature (same day funding), and money is released within minutes of approval in most cases.
  • Free early repayment means clearing the balance before the end of the schedule costs nothing extra.
  • First-time borrowers pay no processing fee, and terms run 65 to 180 so the instalment can be set low.
  • Support runs on email, phone and help centre, and the contract is with MoneyCat Financing Inc. as a direct lender (direct lender).

Cons

  • An APR of 145% is far above the 36.5% median among payday lenders.
  • A grace period fee is charged when a repayment date moves, so extending the schedule adds to the cost.
  • A hard credit check applies and borrowing tops out at PHP 500 to PHP 20,000, so a missed instalment is hard to absorb.
MoneyCat

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Employed Filipino citizens living in the Philippines, including selected professionals paid into a bank account.
  • Borrowers who need money in the bank the same day and can clear a high rate quickly.
  • First-time borrowers, who pay no processing fee on the arrangement.

Who should look elsewhere

  • Anyone shopping purely on rate: Cashspace charges PHP 12 to PHP 36 against the 145% charged here.
  • Borrowers who need a larger balance: Creduma ES lends from €12,000, above the PHP 500 to PHP 20,000 ceiling here.

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

How much can I borrow from MoneyCat?+

Loans run PHP 500 to PHP 20,000 in the Philippines, and the amount offered depends on what the application supports. Terms run 65 to 180, so the same balance can be spread across a shorter or longer schedule, and clearing it sooner costs nothing.

What is the APR on a MoneyCat loan?+

The headline APR is 145%, and that is the number to weigh before applying. It sits well above the 36.5% median across payday lenders on the site, so cost is the reason to compare before committing.

Does MoneyCat charge an arrangement fee?+

First-time borrowers pay no processing fee on the arrangement. A fee does apply if you move into a grace period instead of repaying on the agreed date, so at an APR of 145% the cheaper route is to clear the loan rather than stretch it.

Is MoneyCat regulated?+

The lender behind MoneyCat is MoneyCat Financing Inc., which lends as a direct lender (direct lender). It is registered with the Securities and Exchange Commission (Philippines) under licence CS201953073, so the agreement is with a licensed Philippine company rather than a deposit account.

How quickly will the money arrive?+

Funding is the same day as approval in most cases, usually within minutes, and any later release comes by the end of the next banking day. Same-day funding is a headline feature (same day funding) for anyone who cannot wait through a normal weekly cycle.

Can I repay a MoneyCat loan early?+

Free early repayment is available, so settling the balance before the end of the schedule costs nothing. On a loan priced at 145% APR, clearing it sooner is the largest saving on offer and the main reason a short-term borrower can use this lender.

What credit check does MoneyCat use?+

Applications run a hard credit check, so the whole credit file is seen and any default stays on the record. It is a full assessment rather than a quick pre-qualification, so apply only when you are ready to take the offer.

Who can apply for a MoneyCat loan?+

Applicants must be adults who are Filipino citizens residing in the Philippines, either employed or within the selected professional group. Because borrowing is capped at PHP 500 to PHP 20,000, the product is built for salary earners covering a gap rather than for long-term finance.

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

Employed Filipinos who need cash in a bank account quickly and can clear a high rate fast.

9.1/10See alternatives