Is MocaMoca legit?
Yes. MocaMoca is on the SEC list of recorded online lending platforms. It is run by Copperstone Lending Inc (SEC Reg. No. 2021050012959-04, CA No. 3454). The SEC list dated Sep 29, 2026 records it as "Moca Moca". The SEC revoked the company on Apr 11, 2024; the revocation was lifted on Jan 8, 2025 (En Banc Case No. 06-24-545). SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Moca Moca" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Copperstone Lending Inc., 2021050012959-04 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3454 (as printed by MocaMoca) | Google Play, updated Sep 24, 2026 |
| SEC notices naming the app or lookalikes | 6 documents, latest SEC advisory on unrecorded online lending platforms of Aug 20, 2026 | SEC, Aug 20, 2026 |
| Price published | Yes: Maximum APR 20%; service fee 5% to 10%, charged upon repayment. | Google Play, updated Sep 24, 2026 |
| Loan amount and term | ₱2,000 to ₱50,000, over 91 to 180 days | Google Play, updated Sep 24, 2026 |
| Google Play rating | 4.6 of 5 from 1,312,333 ratings, 10M+ installs, as of Oct 2, 2026 | Google Play, updated Sep 24, 2026 |
On ₱5,000 for 120 days, MocaMoca's published terms come to at most ₱829 in interest and fees: interest of 1.64% a month and an all-in cost of 6.4% a month, higher because its service fee is added on top, and you repay in instalments but pay interest on the original amount the whole time. MocaMoca on Google Play, updated Sep 24, 2026
Working: 20% a year × 120/365 days × ₱5,000 = ₱329 interest; service fee 10% × ₱5,000 = ₱500. The all-in rate is the monthly rate at which 4 payments of ₱1,457 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Within the SEC caps for this loan: interest 1.64% a month against the 6% cap; all-in 6.4% a month against the 12% cap (SEC MC No. 14 s.2025, effective Apr 1, 2026). SEC MC No. 14 s.2025
Next: check the worked Disclosure Statement below, then compare MocaMoca with the other recorded apps, or get it from its official Google Play listing.
MocaMoca interest rate and what you pay back
Maximum APR 20%; service fee 5% to 10%, charged upon repayment.Its own example, ₱5,000 for 180 days
Total Amount Due = ₱5,000 + ₱500 + ₱246 = ₱5,746
- You pay back
- Up to ₱5,829
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱829
- Interest a month, at most
- 1.64%
- All-in cost (EIR) a month, at most
- 6.4%
- Share of the loan
- 16.6%
Terms from MocaMoca's Google Play listing, updated Sep 24, 2026. The calculator gives the same ₱5,747 for MocaMoca's own example. Documentary stamp tax on a ₱5,000 loan for 120 days is about ₱12.33 (NIRC Sec. 179); check whether the Disclosure Statement passes it on. DST calculator Source
MocaMoca Disclosure Statement, worked out: ₱5,000 for 120 days
MocaMoca must give you this statement in writing before the loan is made (RA 3765, the Truth in Lending Act, Sec. 4). These are the figures it should show at its published maximum; if yours differ, ask why before you accept.
| Figure | Inputs | Rule | Result |
|---|---|---|---|
| Amount financed | ₱5,000 borrowed, nothing taken off | RA 3765 Sec. 4(5) | ₱5,000 |
| Interest | 20% a year × 120/365 days × ₱5,000 | MocaMoca's published maximum | ₱329 |
| Service fee | 10% × ₱5,000, added to repayment | Part of the finance charge, RA 3765 Sec. 3(3) | ₱500 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱829 |
| Simple annual rate | MocaMoca publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 20% |
| Late penalty, at most | 5% × ₱5,829 due | SEC MC No. 14 s.2025 Sec. 3 | ₱291 a month |
| All charges together, at most | 100% × ₱5,000 | SEC MC No. 14 s.2025 Sec. 3 | ₱5,000 |
| Documentary stamp tax on the loan | ⌈₱5,000 ÷ ₱200⌉ × ₱1.50 × 120/365 | NIRC Sec. 179, as amended by RA 10963 | ₱12.33 |
| Owed to you if the statement leaves one out | Greater of ₱100 or 2 × ₱829, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱1,658 |
Should you borrow from MocaMoca?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱529 less than MocaMoca's published maximum of ₱829.
Choose MocaMoca if
- you borrow ₱10,000 or less for up to four months: its published maximum stays within the SEC caps.
- you need up to ₱50,000.
Skip MocaMoca if
- you have no regular income: it asks for "stable job or source of income".
MocaMoca requirements, customer service and how to pay
- Requirements
- Filipino citizen with a valid ID card; Above 18 years old; Stable job or source of income
- help@mocamocatech.com
- Phone
- (+632) 82993923
- Hours
- 8 AM to 10 PM
- Pay through
- GCash, Maya, ShopeePay, BDO, Metrobank, BPI, PNB, LandBank, M Lhuillier, RD Pawnshop, 7-Eleven, Cebuana
As MocaMoca lists them on its Google Play listing, updated Sep 24, 2026. Use only these channels or the app itself. Source
If you cannot pay MocaMoca on time
If all ₱5,829 of a ₱5,000, 120-day MocaMoca loan fell due unpaid, the penalty could be at most ₱291 a month, and interest, fees and penalties together could never pass ₱5,000. Copperstone Lending Inc's collectors, and any agency it hires, may not post your details, threaten you, call before 6 a.m. or after 10 p.m., or message anyone in your contacts except the guarantors you named (SEC MC No. 18 s.2019).
Complain to MocaMoca first at help@mocamocatech.com or (+632) 82993923. If that fails, report Copperstone Lending Inc to the SEC on hotline 14732 or the iMessage portal, and report messages to your contacts to the National Privacy Commission at complaints@privacy.gov.ph. All eight prohibited collection practices.
Other apps from Copperstone Lending Inc
Copperstone Lending Inc runs 5 apps on the SEC list. They share one SEC registration and one Certificate of Authority, so a complaint about any of them goes against the same company.
- Pococash listed as "Pococash"
- Peso Buffet listed as "Peso Buffet"
- Load Cash listed as "Load Cash"
- Quickla listed as "Quickla"
MocaMoca regulatory history
- Aug 20, 2026The SEC warned about fakes using this name: Moca Moca － Online Lending App on the Apple App Store. They are not run by Copperstone Lending Inc. Source
- May 18, 2026The SEC warned about fakes using this name: buklodservices.com, flowforth-ventures.com, jitsconstruction.com and an iOS app using the MocaMoca name. They are not run by Copperstone Lending Inc. Source
- Apr 28, 2026The SEC warned about fakes using this name: four Moca Moca and MocaMoca apps on the Apple App Store. They are not run by Copperstone Lending Inc. Source
- Mar 6, 2026The SEC warned about fakes using this name: MocaMoca- Safe & Fast Loan on the Apple App Store. They are not run by Copperstone Lending Inc. Source
- Jan 8, 2025The revocation was lifted (SEC En Banc Case No. 06-24-545). Source
- Apr 11, 2024SEC revoked Copperstone Lending for Truth in Lending violations and unfair collection practices and fined it ₱20,000. Source
This page covers MocaMoca's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact MocaMoca first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about MocaMoca
Who owns MocaMoca?
Copperstone Lending Inc (SEC Reg. No. 2021050012959-04), which also runs Pococash, Peso Buffet, Load Cash, Quickla, per the SEC list dated Sep 29, 2026.
What is MocaMoca's interest rate?
MocaMoca states (MocaMoca's Google Play listing, updated Sep 24, 2026): "Maximum APR 20%; service fee 5% to 10%, charged upon repayment." On ₱5,000 for 120 days: interest of 1.64% a month and an all-in cost of 6.4% a month, higher because its service fee is added on top, and you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for MocaMoca?
MocaMoca lists (MocaMoca's Google Play listing, updated Sep 24, 2026): Filipino citizen with a valid ID card; Above 18 years old; Stable job or source of income.
What is MocaMoca's customer service number or e-mail?
Phone: (+632) 82993923. E-mail: help@mocamocatech.com. Hours: 8 AM to 10 PM. As listed by MocaMoca (MocaMoca's Google Play listing, updated Sep 24, 2026).
How do I pay my MocaMoca loan?
MocaMoca lists these channels (MocaMoca's Google Play listing, updated Sep 24, 2026): GCash, Maya, ShopeePay, BDO, Metrobank, BPI, PNB, LandBank, M Lhuillier, RD Pawnshop, 7-Eleven, Cebuana. You should get a payment reference or receipt in the app; if none appears, the payment has not posted, so keep your proof of payment.
Does MocaMoca call your contacts?
Copperstone Lending Inc may not contact anyone in your phone contacts except the guarantors or co-makers you named, even if you allowed access (SEC MC No. 18 s.2019, Sec. 1(h), issued Aug 19, 2019). Raise it with MocaMoca at help@mocamocatech.com, then the SEC on 14732.
Cheaper than MocaMoca for ₱5,000 over 120 days
No lender pays to appear on this site or to change its position.
- Pocketcash (Elending): at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 (interest and fees)); lends ₱1,000 to ₱50,000.
- Vplus: at most ₱300 in interest and fees (18% a year × 120/360 days × ₱5,000 = ₱300 interest); lends ₱1,000 to ₱50,000.
- Pesos.ph: at most ₱395 in interest and fees (24% a year × 120/365 days × ₱5,000 = ₱395 interest); lends ₱1,500 to ₱50,000.