Easy to apply
Approval time
No hidden condition
Renewal rules
Service quality
Customer support
Borrower requirements
  • You must be 18+
  • Reside in the Ph and have a valid ID
  • Provide proof of your income
  • Have an active checking account
  • Bank account
  • Credit or Debit card
Contact information
Phone number: -
Service 24/7

MocaMoca stands as a prominent online loan platform in the Philippines, offering short-term loans without the rigorous process of credit checks. Understanding the unforeseen financial challenges many Filipinos face, the app is specifically designed to provide timely financial relief. Its mission is to assist individuals navigate tough financial terrains, ensuring they have access to funds precisely when it’s most crucial. Through its seamless application and approval process, MocaMoca aims to be the go-to solution for those in urgent need of monetary assistance.


Is MocaMoca Loan App PH legit?

When considering any online financial service or app, it’s crucial to conduct thorough research before sharing personal information or making any commitments. To address concerns regarding the legitimacy of MocaMoca, we can affirmatively state that the company operates within the confines of the law and possesses the requisite state licenses to function. MocaMoca is registered with the Securities and Exchange Commission (SEC)

This transparent disclosure of their regulatory credentials underscores MocaMoca’s commitment to operating with integrity and in compliance with local regulations.

COMPANY NAME COPPERSTONE LENDING INC. Doing business under the name of Moca Moca
REGISTRATION NO. 2021050012959-04
C.A. NO. 3454
INTEREST RATES 60.00% Per annum

Advantages of MocaMoca

  • Immediate Financial Relief: MocaMoca ensures that users have access to instant cash when they need it the most, eliminating lengthy waiting times.
  • Streamlined Digital Experience: With a commitment to a modern approach, MocaMoca offers a completely paperless process. The application procedure is swift, efficient, and 100% online, catering to the needs of the digital age.
  • Versatile Fund Disbursement: Catering to diverse user preferences, MocaMoca provides several methods through which users can receive their loan amount.
  • Zero Collateral Hassle: MocaMoca understands that not everyone has assets to pledge. That’s why their loans are collateral-free, making the process even more accessible.
  • Simple Identification Process: A single valid ID is all you need to start with MocaMoca. They accept around 10 different types of cards, ensuring a broad user base can access their services.
  • Economical Fee Structure: MocaMoca believes in transparency and affordability. Their fees and charges are minimal, ensuring users get the best value for their money.
  • Transparent Operations: From the initial application to the final repayment, every step with MocaMoca is transparent. Users can confidently know where they stand at every stage of their loan journey.
  • Round-the-Clock Account Access: The digital platform provides users with the facility to monitor their accounts 24/7, giving them complete control and real-time insights.
  • Incentives for Good Credit: To reward those with a commendable credit history, MocaMoca provides more attractive offers, showcasing their commitment to fostering responsible financial behavior.
  • Choosing MocaMoca is a testament to embracing a blend of convenience, security, and value, all wrapped up in a user-friendly digital platform.

    Loan parameters
    • Loan amount
      2.000 - 35.000 PHP
    • Interest rate
      0,03-0,06 per day
    • Term
      180 – 360 days
    • Age

    MocaMoca loan requirements

    The Moca Moca app offers a straightforward and accessible lending process, making it convenient for potential borrowers. Here are the minimal requirements for eligibility:

  • Citizenship: You need to be a Filipino citizen and provide proof of valid residence within the country.
  • Communication: Possession of an active mobile number is essential to facilitate seamless communication and verification.
  • Identification: You must hold a valid government-issued ID, showcasing your identity and relevant details.
  • If you align with these criteria and have the necessary documents on hand, you stand in good stead to apply. The process is designed to be efficient, ensuring that those who fit the bill can initiate their loan application promptly.

    Moca Moca app

    The Moca Moca app serves as a versatile tool tailored to cater to a myriad of financial needs, whether it be personal expenses, business capital, settling bills, addressing medical urgencies, covering rent, or any other financial commitments. One of the standout features of MocaMoca is the ease and simplicity with which customers can access its services. A mere government-issued ID is all it takes to kickstart the application process, eliminating the need for hefty deposits or extensive documentation. All of this convenience is brought directly to your fingertips, enabling you to manage your finances from the comfort of your home.


    A cornerstone of Moca Moca’s ethos is its unwavering commitment to security and privacy. Every transaction executed through the platform is fortified with top-tier security measures, ensuring your data and finances remain uncompromised. Furthermore, they are staunch advocates for customer privacy, upholding the sanctity of personal profiles with utmost diligence.

    For those eager to harness the benefits of this platform, the official Moca Moca app is readily available for download. Whether you’re an Android aficionado using the Play Store or an iOS enthusiast frequenting the App Store, Moca Moca has got you covered. The app’s design prioritizes user experience, showcasing an interface that’s not only visually appealing but also incredibly intuitive. Even if you’re a newcomer to the digital lending landscape, navigating through loan amounts, repayment terms, and other essential details is a breeze. The seamless blend of convenience, transparency, and security makes Moca Moca a preferred choice for many in their financial journey.

    How To Apply Moca Moca Online Loan

    Securing a loan through MocaMoca platform is a user-friendly experience, tailored for ease and speed. Here’s a step-by-step guide on how you can effortlessly apply for a loan using the MocaMoca app:

    1. Installation: Begin by downloading the MocaMoca app from Google Play Store onto your mobile device.
    2. Registration: Create an account using your active mobile number, ensuring you have ready access for any verification steps.
    3. Detailed Application: Once registered, you’ll need to fill out the application forms. This will include personal details, professional data, monthly income, and specific details about the loan amount and term you’re seeking.
    4. Loan Details & Disbursement Choice: After providing your details, select your preferred method for receiving the loan amount.
    5. Swift Approval: Our system is designed for efficiency. Most loan applications receive an approval verdict within a mere 60 seconds, making it one of the fastest in the industry.
    6. Timely Repayment: Ensure you settle your dues on or before the stipulated due date to maintain a good credit standing.
    7. Hassle-Free Reapplication: Should you require another loan in the future, you can apply without undergoing the entire documentation process all over again.

    Once you successfully complete the registration and application, system takes no more than 5 minutes for a loan approval decision. If approved, you’ll be promptly informed about the outcome and the estimated time for loan disbursement. MocaMoca prides itself on rapid processing, ensuring that most loans are disbursed within an hour of application acceptance.

    • The entire procedure is digital, ensuring a 100% online experience.
    • No need to pledge assets; it's collateral-free.
    • The app facilitates round-the-clock account monitoring.
    • Multiple options are available for receiving funds via the loan app.
    • Loans can be secured even with a less-than-perfect credit history.
    • While the service doesn't condone harassment, there have been claims regarding this issue.
    • For security, avoid downloading the app from APK stores as this could compromise your phone's personal data.
    • There are associated penalties and interest rates to be wary of.

    Options for Loan Repayment with MocaMoca

    Repaying your loan with MocaMoca is designed to be both flexible and convenient, providing multiple avenues suited to your preferences. Here are the options available to you:

  • MocaMoca App: Within the MocaMoca app itself, there’s a provision to process repayment directly using your bank card. This method offers a seamless experience, allowing you to manage and settle your loans without navigating away from the platform.
  • E-Wallets: For those who prefer digital wallets for their financial transactions, MocaMoca accepts payments through popular e-wallets like GCash and Paymaya. These platforms provide a quick and easy way to repay without the need for physical cash.
  • Physical Stores: If you’re someone who finds in-person transactions more reassuring or just convenient, there are multiple physical outlets where you can settle your MocaMoca loan. This includes:
  • M Lhuillier: Renowned for its money transfer services, this chain also accepts MocaMoca loan repayments.
  • RD Pawnshop: A trusted name for financial services, you can walk into any of their branches for repayment.
  • 7-11: Given the ubiquity of 7-11 stores, finding one nearby to make your payment should be hassle-free.
  • Other Designated Outlets: Apart from the mentioned locations, there are other affiliated stores and outlets where MocaMoca has facilitated repayment options for the ease of its customers.
  • This wide array of repayment methods underscores MocaMoca’s commitment to ensuring that their clients have an effortless experience while managing their financial obligations

    MocaMoca reviews

    Ramon Dela Cruz
    30 November 2023
    MocaMoca turned out to be a reliable and quick solution to my financial difficulties. I recommend it to anyone looking for help.
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    Jakob Gleason
    I liked everything. They approved a loan for the amount I needed on favorable terms. I\'m about to finish paying.
    Harold Beer
    Friends advised me to apply to this company for a loan. I liked everything, the approval was quick, the receipt of funds on the same day.
    Evert Jones
    I am a regular customer, I always pay my loan on time. Favorable conditions, easy repayment process
    Janet Halvorson
    I use not the first time. Convenient conditions for obtaining an online loan. Friendly managers always resolve issues.
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    Applying does NOT affect your credit score!

    No credit check to apply.