Is Mocasa legit?
Mocasa is on the SEC list, but its published top rate is above the SEC caps on a ₱5,000, 120-day loan. It is run by Philippine Cashtrout Lending Corp (SEC Reg. No. CS201910407, CA No. 3015). The SEC list dated Sep 29, 2026 records it as "Mocasa". Being registered does not make every charge lawful: a charge above the caps can be reported to the SEC. SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Mocasa" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | Philippine Cashtrout Lending Corp., CS201910407 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 3015 (as printed by Mocasa) | Google Play, updated Sep 21, 2026 |
| Price published | Yes: Maximum APR 144%. Its example: 5.5% a month interest plus a 16.5% service fee. | Google Play, updated Sep 21, 2026 |
| Loan amount and term | ₱1,000 to ₱50,000, over 91 to 365 days | Google Play, updated Sep 21, 2026 |
| Google Play rating | 4.6 of 5 from 35,563 ratings, 1M+ installs, as of Oct 2, 2026 | Google Play, updated Sep 21, 2026 |
On ₱5,000 for 120 days, Mocasa's published terms come to at most ₱2,367 in interest and fees: Mocasa states a combined interest-and-fees rate of 11.8% a month, which works out to an all-in cost of 17.5% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time. Mocasa on Google Play, updated Sep 21, 2026
Working: 144% a year × 120/365 days × ₱5,000 = ₱2,367 (interest and fees). The all-in rate is the monthly rate at which 4 payments of ₱1,842 repay the ₱5,000 you receive (SEC MC No. 14 s.2025 Sec. 2(d)).
Above the SEC caps for this loan: no separate interest rate to test against the 6% cap; all-in 17.5% a month against the 12% cap (above it) (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 Mocasa with the other recorded apps, or get it from its official Google Play listing.
Mocasa interest rate and what you pay back
Maximum APR 144%. Its example: 5.5% a month interest plus a 16.5% service fee.Its own example, ₱10,000 for 91 days
Total Repayment: ₱13,300; Annual Percentage Rate (APR): 132.36%
- You pay back
- Up to ₱7,367
- Cash you receive
- ₱5,000
- Interest and fees
- Up to ₱2,367
- All-in cost (EIR) a month, at most
- 17.5%
- Share of the loan
- 47.3%
Terms from Mocasa's Google Play listing, updated Sep 21, 2026. The calculator gives the same ₱13,300 for Mocasa'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
Mocasa Disclosure Statement, worked out: ₱5,000 for 120 days
Mocasa 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 and fees (one combined rate) | 144% a year × 120/365 days × ₱5,000 | Mocasa's published maximum | ₱2,367 |
| Finance charge | Interest + every fee above | RA 3765 Sec. 4(6) | ₱2,367 |
| Simple annual rate | Mocasa publishes its maximum APR | RA 3765 Sec. 4(7) | Up to 144% |
| Late penalty, at most | 5% × ₱7,367 due | SEC MC No. 14 s.2025 Sec. 3 | ₱368 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 × ₱2,367, up to ₱2,000 | RA 3765 Sec. 6(a) | ₱2,000 |
Should you borrow from Mocasa?
For ₱5,000 over 120 days, Pocketcash (Elending) costs at most ₱300, which is ₱2,067 less than Mocasa's published maximum of ₱2,367.
Choose Mocasa if
- you want to spread payments over as long as 365 days.
- you need up to ₱50,000.
Skip Mocasa if
- you borrow ₱5,000 for 120 days at its top rate: that is above an SEC cap.
- you have no regular income: it asks for "stable income".
Mocasa requirements, customer service and how to pay
- Requirements
- 21+ years old; Filipino citizen; One government-issued ID; Stable income
- support.user@mocasa.com
- Phone
- Not listed on its Google Play listing
- Hours
- Monday to Sunday, 8:00 AM to 8:00 PM
- Pay through
- The channels shown in the app for your loan
As Mocasa lists them on its Google Play listing, updated Sep 21, 2026. Use only these channels or the app itself. Source
If you cannot pay Mocasa on time
If all ₱7,367 of a ₱5,000, 120-day Mocasa loan fell due unpaid, the penalty could be at most ₱368 a month, and interest, fees and penalties together could never pass ₱5,000. Philippine Cashtrout Lending Corp'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 Mocasa first at support.user@mocasa.com. If that fails, report Philippine Cashtrout Lending Corp 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.
This page covers Mocasa's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact Mocasa first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about Mocasa
Who owns Mocasa?
Philippine Cashtrout Lending Corp (SEC Reg. No. CS201910407), per the SEC list dated Sep 29, 2026.
What is Mocasa's interest rate?
Mocasa states (Mocasa's Google Play listing, updated Sep 21, 2026): "Maximum APR 144%. Its example: 5.5% a month interest plus a 16.5% service fee." On ₱5,000 for 120 days: Mocasa states a combined interest-and-fees rate of 11.8% a month, which works out to an all-in cost of 17.5% a month on the cash you receive because you repay in instalments but pay interest on the original amount the whole time.
What are the requirements for Mocasa?
Mocasa lists (Mocasa's Google Play listing, updated Sep 21, 2026): 21+ years old; Filipino citizen; One government-issued ID; Stable income.
What is Mocasa's customer service number or e-mail?
E-mail: support.user@mocasa.com. Hours: Monday to Sunday, 8:00 AM to 8:00 PM. As listed by Mocasa (Mocasa's Google Play listing, updated Sep 21, 2026).
Does Mocasa call your contacts?
Philippine Cashtrout Lending Corp 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 Mocasa at support.user@mocasa.com, then the SEC on 14732.
Cheaper than Mocasa 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.