Is MoneyCat legit?
Yes. MoneyCat is on the SEC list of recorded online lending platforms. It is run by MoneyCat Financing Inc (SEC Reg. No. CS201953073, CA No. 1254). The SEC list dated Sep 29, 2026 records it as "Moneycat. Ph". SEC list, Sep 29, 2026
| Item | Result | Source |
|---|---|---|
| App on the SEC list of recorded online lending platforms (dated Sep 29, 2026) | Yes, as "Moneycat. Ph" | SEC list, Sep 29, 2026 |
| Company and SEC Reg. No. | MoneyCat Financing Inc., CS201953073 | SEC list, Sep 29, 2026 |
| Certificate of Authority No. | 1254 | SEC list, Sep 29, 2026 |
| SEC notices naming the app or lookalikes | 1 document, latest SEC advisory on fake MoneyCat pages and app of May 13, 2026 | SEC, May 13, 2026 |
| Price published | No rate on MoneyCat's website | |
| Loan amount and term | Up to ₱20,000, over Up to 180 days | Its published terms |
MoneyCat publishes no interest rate, so its cost shows only in the Disclosure Statement you get before you accept.
Next: ask MoneyCat for its Disclosure Statement before you accept, or compare apps that publish their price. Official site: moneycat.ph.
Should you borrow from MoneyCat?
You see MoneyCat's price only after you apply; Pocketcash (Elending) publishes a maximum of ₱300 for ₱5,000 over 120 days.
Skip MoneyCat if
- you want to know the cost before you apply: it publishes no rate.
MoneyCat requirements, customer service and how to pay
- Requirements
- Not listed on its website
- Not listed on its website
- Phone
- Not listed on its website
- Hours
- Monday to Friday, 6 AM to 11 PM
- Pay through
- Any method through DragonPay
As MoneyCat lists them on its website. Use only these channels or the app itself. Source
If you cannot pay MoneyCat on time
On MoneyCat loans above ₱10,000 or longer than four months, the penalty is whatever your contract and Disclosure Statement say; the SEC's 5% a month cap covers only smaller, shorter loans. MoneyCat Financing 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).
If that fails, report MoneyCat Financing 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 MoneyCat Financing Inc
MoneyCat Financing Inc runs 3 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.
- One Click Money listed as "One click money.ph", "OCM"
- Cash2U listed as "Cash2U"
MoneyCat regulatory history
- May 13, 2026The SEC warned about fakes using this name: Moneycat.ph – Quick Peso Loan on the Apple App Store and 14 Facebook pages. They are not run by MoneyCat Financing Inc. Source
This page covers MoneyCat's published terms and SEC record, not the offer in your own loan agreement. For a dispute over a specific loan, contact MoneyCat first, then the SEC (hotline 14732); for a legal claim, a lawyer.
Questions about MoneyCat
Who owns MoneyCat?
MoneyCat Financing Inc (SEC Reg. No. CS201953073), which also runs One Click Money, Cash2U, per the SEC list dated Sep 29, 2026.
How do I pay my MoneyCat loan?
MoneyCat lists these channels: Any method through DragonPay. 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 MoneyCat call your contacts?
MoneyCat Financing 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). Report it to the SEC on 14732.
Can I be jailed for an unpaid MoneyCat loan?
The 1987 Constitution says: "No person shall be imprisoned for debt or non-payment of a poll tax." (1987 Constitution, Art. III, Sec. 20). Issuing a check that bounces is a separate offense under BP Blg. 22.
Cheaper than MoneyCat 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.