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Mocasa: Pay Later & Quick Loan

This app hands users immediate purchasing power, bypassing traditional credit hurdles.

Key Figures

Downloads

500k+

User Rating

4.5/5

Total Ratings

23.3K

Publisher

Philippines Cashtrout Lending Corporation

An evaluation of core functionalities designed for digitally-savvy Filipino adults seeking convenient financial solutions.

Mocasa: Pay Later & Quick Loan - Key Features Analysis

Quick Cash Loans

The app provides quick cash loans ranging from ₱3,000 to ₱50,000, offering immediate financial relief for urgent needs without the complexities of traditional credit.

Integrated Bill & Load Payments

The app enables users to conveniently pay various utility bills (electricity, internet, water) and purchase mobile load and data directly from the app, even on credit.

Extensive In-store QRPh Payments

This tool allows users to pay with their Mocasa credit at over 700,000 QRPh-supported merchants nationwide, enhancing convenience for daily purchases and in-store transactions.

Rapid Loan Disbursement

It allows users to receive approved cash loans swiftly, with funds directly deposited into their chosen bank accounts, GCash, Lazada Wallet, or Maya Wallet for immediate use.

Virtual Mastercard for Online Payments

This tool features a virtual Mastercard that functions as a digital credit card, enabling secure and convenient online payments across various e-commerce, food delivery, and service platforms.

Up to 50-Day Interest-Free Period

It provides up to a 50-day interest-free billing cycle for virtual Mastercard transactions, similar to traditional credit cards, allowing for significant savings and flexible repayment.

Streamlined Loan Application

The app features a simple and quick loan application process, minimizing hurdles for users seeking financial assistance and promoting easy accessibility.

Competitive Fees & Transparent Terms

The app is characterized by competitive fees, such as a ₱20 flat service fee per transaction, and transparent loan terms with a maximum APR of 30%, ensuring clarity and trust for borrowers.

FAQ

Frequently Asked Questions

Everything you need to know about Mocasa: Pay Later & Quick Loan

What is Mocasa?

Mocasa is a financial app that provides virtual Mastercards and quick cash loans. It also enables users to pay bills, buy load, and make purchases using credit or QRPh.

What is the maximum loan amount available through Mocasa?

The maximum loan amount available with Mocasa Quick Loan is ₱50,000.00. Mocasa also offers a 'Pay Later' option for various transactions.

What are the loan terms for a Mocasa Quick Loan?

Mocasa Quick Loan offers terms ranging from 91 days to 180 days. Longer payment terms of up to 12 months are also available for users.

What is the Maximum APR for Mocasa loans and associated fees?

The maximum Annual Percentage Rate (APR) for Mocasa loans is 30%. Mocasa charges a flat service fee of ₱20 per transaction, with no additional transaction fees.

Is Mocasa a regulated financial service?

Yes, Mocasa is regulated. Its corporate entity, Philippine Cashtrout Lending Corporation, is licensed by PSEC with Registration Number CS201910407 and Certificate of Authority 3015.

What are the eligibility requirements for a Mocasa Quick Loan?

Eligibility for a Mocasa Quick Loan requires applicants to be Filipino citizens, 21+ years old, possess one government-issued ID, and have a stable income.

How does the Mocasa virtual Mastercard function?

The Mocasa virtual Mastercard works like a digital credit card for users. It allows online shopping by adding it as a payment option and provides up to a 50-day interest-free billing cycle.

Can Mocasa be used for in-store purchases and payments?

Yes, Mocasa supports in-store payments. Users can pay at over 700,000 QRPh-supported merchants nationwide using their Mocasa credit via scan-to-pay.

What cash-out channels are available for Mocasa loans?

Mocasa loans offer multiple cash-out channels. Funds can be sent directly to your Bank Account, GCash, Lazada Wallet, or Maya Wallet.

Does Mocasa allow users to pay utility bills and buy load?

Yes, Mocasa enables users to pay utility bills for electricity, internet, cable, and water. It also supports buying load and data for phones, all using credit.

How fast is the approval process for Mocasa loan applications?

Mocasa loan applications feature a fast approval process. The app advertises approval in as little as '3 Minutes!' for quick access to funds.

Is there an interest-free period for the Mocasa virtual Mastercard?

Yes, the Mocasa virtual Mastercard offers users an interest-free billing cycle of up to 50 days. This provides flexibility similar to a traditional credit card.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Mocasa: Pay Later & Quick Loan - The app's intuitive dashboard offers a quick overview of financial services, showcasing options like the Mocasa Card and convenient Pay Bills feature. — The app's intuitive dashboard offers a quick overview of financial services, showcasing options like the Mocasa Card and convenient Pay Bills feature.
Dashboard Overview

Mocasa: Pay Later & Quick Loan - Experience rapid processing with the app's promise to 'Get Approved in 3 Minutes!', as visually represented by a delighted user holding cash. — Experience rapid processing with the app's promise to 'Get Approved in 3 Minutes!', as visually represented by a delighted user holding cash.
Instant Approval

Mocasa: Pay Later & Quick Loan - Users can confidently access substantial funds, with available credit reaching 'P50,000', all under the stringent regulation of the Securities and Exchange Commission. — Users can confidently access substantial funds, with available credit reaching 'P50,000', all under the stringent regulation of the Securities and Exchange Commission.
High Loan Limits

Mocasa: Pay Later & Quick Loan - This tool provides exceptional flexibility, allowing users to select payment terms extending 'up to 12 Months' directly from the clearly presented options on the screen. — This tool provides exceptional flexibility, allowing users to select payment terms extending 'up to 12 Months' directly from the clearly presented options on the screen.
Flexible Repayments

Mocasa: Pay Later & Quick Loan - Access your funds effortlessly through multiple cash-out options, including popular platforms like GCash and Lazada, all listed for user convenience. — Access your funds effortlessly through multiple cash-out options, including popular platforms like GCash and Lazada, all listed for user convenience.
Diverse Cash-Outs

Mocasa: Pay Later & Quick Loan - The Mocasa Card simplifies online shopping, enabling users to easily pay at top e-commerce sites like Shopee and Lazada directly with their virtual card. — The Mocasa Card simplifies online shopping, enabling users to easily pay at top e-commerce sites like Shopee and Lazada directly with their virtual card.
Online Shopping Ease

Mocasa: Pay Later & Quick Loan - Enjoy widespread payment acceptance by scanning via QRPh, available in over '700,000 Stores' and clearly demonstrated by the in-app QR code for transactions. — Enjoy widespread payment acceptance by scanning via QRPh, available in over '700,000 Stores' and clearly demonstrated by the in-app QR code for transactions.
QRPh Payments

Mocasa: Pay Later & Quick Loan - The app allows users to settle utility expenses using credit, featuring a comprehensive list of major billers such as Meralco and PLDT. — The app allows users to settle utility expenses using credit, featuring a comprehensive list of major billers such as Meralco and PLDT.
Credit Bill Payments

Description

Unlock your way to a smarter financial choice with Mocasa! With Mocasa, you can not only obtain a virtual Mastercard, but also a cash loan just in a flash. Mocasa Quick Loan Introduction: Loan amount: ₱3,000.00 - ₱50,000.00 Loan term: 91 days - 180 days Maximum APR: 30% Transaction Fee: 0 Other fees: we will charge ₱20 flat service fee for per transaction For Example: 91-days(3 months) loan with interest rate of 12%, and principal amount is ₱10000 Total Interest fee: ₱10000*12%/365*91= ₱299.17 Service fee: 0% Total repayment : ₱10000*12%/365*91+10000=₱10299.17 Monthly repayment: ₱10299.17/3=₱3433.06 Mocasa company is licensed by PSEC: Corporate Name: Philippine Cashtrout Lending Corporation Business Name: Mocasa PSEC Registration Number: CS201910407 Certificate of Authority (CA): 3015 Note: Always study the terms and conditions and the disclosure statements before proceeding with any transaction Loan application requirements: • 21+ years old • Filipino citizen • Have 1 government-issued ID • Have a stable income How simple is the quick cash loan process? • Download the Mocasa app • Fill out our quick loan application in the Mocasa loan lending app • Wait for evaluation • Get fast cash sent directly to your Bank Account/GCash/Lazada Wallet/Maya Wallet Mocasa Advantage: • Convenient Online App • Instant Cash Loan • Simple Loan Process • Easy Approval • Low Interest and Fees What’s Mocasa virtual Mastercard? Mocasa virtual Mastercard works just like a digital credit card especially issued to Mocasa users. By using Mocasa virtual Mastercard, users can enjoy the freedom of shopping whenever you want. 1. Shop whenever and wherever you want by adding your Mocasa virtual Mastercard as a payment option when you’re paying online, including but not limited to e-commerce, food delivery, car service, etc. 2. Enjoy up to 50-days interest-free billing cycle just like using a credit card. Save more with Mocasa! How to get approved for a Mocasa virtual Mastercard? 1. Download Mocasa sign up with your phone number 2. Choose Mocasa Standard Account and fill in your info to submit your application. 3. Wait for approval. Activate your Mocasa Card after approved! Start enjoying your shopping. More ways to use your Mocasa credit if you’re a Mocasa Standard Account or Constructive Account user! 1. Pay at over 700,000 Merchants In-store Nationwide Shop with ease using your Mocasa credit at any QRPh-supported merchant like Jollibee, McDonald’s, AllDay Supermarket, Abenson’s, National Bookstore, Petron, SeaOil, Mercury Drug Store, and many more. 2. Pay Utility Bills, Buy Load and Data Get all your utility bills paid such as electricity, internet, and cable, water, buy load and data for your phone, and even do it all on credit. With Mocasa, you can pay on the spot - no more waiting for bills to arrive or going to the store to buy a load. Get the convenience you deserve and make life simpler with Mocasa! We Want to Hear from You! We will be fully with you 08:00 – 20:00 from Monday to Sunday and will get back to you ASAP during non-business hours. Email Us at: support.user@mocasa.com For any inquiries, you can also reach to us on Facebook: https://www.facebook.com/MocasaPayLaterandQuickloanPH/ https://www.facebook.com/MocasaCustomerServicePH/