MocaMoca Loan App Review, Is It Legit?

MocaMoca Loan App Review, Is It Legit?

All about MocaMoca 💻 100% Online ✨ Up to P10,000 📱 Loan App 🤔 Complaints ✅ Verified reviews

What is MocaMoca?

MocaMoca is an online loan app that offers short-term loans with no credit check. Its goal is to help people in the Philippines overcome financial hardships when they need money the most.

The app provides fast and convenient access to funds in times of emergency. It caters specifically to low-income people who need instant cash without the need for paperwork and collateral.

How does Moca Moca loan work?

With Moca Moca, instant cash is just a click away. Download the Moca Moca loan app from theGoogle PlayStore or Apple AppStore. Once you have registered, you can apply for small loans of up to P10,000.

The Moca Moca loan application process can be completed in minutes with only minimal documentation. It takes the stress out of submitting documents to prove that you are not a credit risk to them.

Complete the loan application form and submit it. Wait for the approval. Typically, loans are approved in just a few minutes. Once approved, the loan amount will be disbursed into your bank account.

How can I apply for a loan with MocaMoca?

Moca Moca app lending requirements are very minimal: 

  • You must be a Filipino citizen and at least 18 years old.
  • You must have at least one valid ID with a photo.
  • Passport, driver’s license, and other government-issued IDs are required as proof of your identity.
  • Other requirements include a phone number and e-mail address.

If you meet the criteria and have the documents, you’re eligible and can apply right away.

How much does MocaMoca loan?

The minimum loan amount you can borrow from the Moca Moca app is P2,000 while the maximum is P10,000. These are small loans that you can pay off within a specified number of days. According to MocaMoca, the shortest repayment term is 91 days and the longest is 120 days. If they are being truthful, then this is  better than what traditional loan sharks typically offer.

The annual interest rate is set at 10-20%. This is the typical interest rate for online loan apps and may even be a little bit on the low side, in comparison to well-known cash loan apps.

But here’s the catch, there is a one-time service fee of 10%, which is quite hefty.

Say, you borrowed P5,000 and you have 91 days (3 months) to pay it back. Here is the computation:

  • Cash loan: 5000
  • Service Fee: 500 (5000 x 0.10)
  • 10% Interest: 124.66 (5000 x 10% x 91/365)


  • The amount you’ll receive is: 4500
  • The amount you’ll pay per month is: 1708.22
  • The total loan amount including interest: 5124.66

Make sure that you are agreeing to the interest rate and repayment term that you can comfortably pay on time. Otherwise, you should rethink your plans to borrow and check your financial capacity before applying for a loan. If you miss any payment, you might be charged late fees.

How to pay my Moca Moca loan?

Loan payments can be made through online channels like GCash and PayMaya. You can also pay offline through payment centers like 7-11, M Lhuillier, RD Pawnshop, etc.

Is Moca Moca legit?

Yes, MocaMoca is a legit online lending app that’s registered with the Securities and Exchange Commission under the company name Copperstone Lending Inc on May 6, 2021. It’s worth mentioning that the company is also doing business under the following names:

  • QuickLa

  • PocoCash

  • Blue Peso

  • Peso Forrest

  • PesoBuffet

  • Loan Cash

Evidently, Moca Moca is a new player in the online lending space. There may not be enough feedback to help you make an informed decision on whether to avail of MocaMoca’s cash loan offer.

Moca Moca app

The official Moca Moca app can be downloaded from the Play Store or the App Store, depending on your phone’s OS. With its simple, easy-to-use interface, you can intuitively navigate the Moca Moca online app with no problem. You’ll see the loan amount, terms, and other pertinent information.

You might be tempted to download Moca Moca APK, but it’s not recommended. APK stands for Android Package Kit and is a tool that allows anyone to access the contents of an app, which could include advertising and tracking software, or worse a virus. With this information, hackers can gain access to personal information and data if the user is not careful with their phone.

It’s important to keep in mind that Moca Moca loan APK download can pose a serious security threat. Someone with malicious intentions could modify the APK and use it for nefarious purposes. Your personal information is at risk, so stay away from Moca Moca loan APK.

  • You can download the MocaMoca app from the Google Play Store here.

Moca Moca Customer Service

MocaMoca’s phone number is not available, and they do not have a website. Although they have an e-mail address, it’s not a company email. The best way to communicate with them is through the agent who handles your account. They will call or text when the payment due date is fast approaching.

Moca Moca Complaints

Looking at the Moca Moca loan app review section in both Google Play and the App Store, it’s evident that many customers are not happy with their experience in using the app. It appears that MocaMoca is not being 100 percent truthful in their marketing.

The most common complaint is that the loan repayment term is only 7 days, instead of the advertised 91-120 days. Borrowers are said to be left struggling to pay their loans in such a short amount of time. And when they fail to pay on the due date, they get repeated calls from debt collectors demanding payment.

Furthermore, there are additional fees deducted from the principal amount. They are said to be technical fees. So, if you borrow P2,000, you’ll only receive P1,400 net of service fee and technical fee.

Although many users of the app have had terrible experiences, it doesn’t mean that you’ll have one too. What this should tell you is that before you apply for a loan, make sure that you read and understand the fine print.

Moca Moca reviews

The reviews for MocaMoca are generally bad because of misleading information about the repayment terms. However, it’s only fair to point out that using Moca Moca has a good side too. MocaMoca approves loans almost instantly. This helps tremendously if you’re in a financial tight spot and you need access to funds fast.

With the emergence of online lending apps, there has been an increased risk of falling into false marketing tactics, resulting in individuals failing to pay their loans. Lending companies may not always be honest with their customers about the terms of the loan, so it’s up to you to do your due diligence before making a decision.

Have you used the MocaMoca loan app? Share your experience here.

Joenard Delmo

It was terrible bad experienced in Mocamoca Online Lending Apps. I had read their marketing schemes, terms and condition on lenght of payment. But their interest rate and period of time of payment was not transparency amd truthfull. They provide me a calculation of Php 3,660.00 to be borrow. And schedule for 2 weeks amounting Php1,830.00per week. I was amazed because when I pay on time it will have no interest rate. But when I applied and click for loan. My net disbursement amount is Php 2,500.00. They automatically deduct Php 1,160.00 a total of 31.69%. For what is this. Then they want to me to pay 1st Schedule Feb.27, 2024 an amount of Php 1,830. and only 2nd Schedule Php1,830.00. Failure to pay on the said schedule. Additional Interest rate 7% per week. This is so much and I think this is unlawful to the Interest Rate Regulation Act of Securities and Exchange Implementing Rules and Regulation Act and I think they are violating the laws.

Joyla Sicnoy

ngsisisi aq na dinownload ko itong app na ito.. akala ko totoo na umabot sa 91-120 days ang pagbabayad taz kunti lng kukunin nilang interest pero ang laki pala.. binigyan nila aq ng 1600 nung oct. 15 ata un?.. taz ang babayran ko ay 2430.. taz hanggang oct. 31 lang ung due date ko.. hindi aq nakabayad nung 31 kasi hindi po aq nakapagcash in kasi katatapos ng election nasa bario aq.. ngaun nung tinignan ko n ang moca2 app ko.. naging 3k+ na ung babayaran q.. ewan q kung mababayran ko p ito kasi nasasayangan n aq sa pera ei kunti lng nmn nareceived q. imbes n makatulong sila.. lalo nila pinapahirapan ang mga kagaya ko.. ano po b mangyayari kung sakaling hindi ko n mabayaran ang utang ko sa kanila?


This app keeps on calling me kahit di ako nag loan. Letse nakagigil. Nakabwesit talaga. Ok lang tumawag kung nagloan ako. Pero hindi ako nagloan dahil sa sobrang taas ng service fee at interest ng loan.

Hanny Lin Ybirnas

Wag nyung subukan tong apps nato,napaka ---- Kasi once na makapag log in ka sa apps nila at makakapag submitt Ng mga details mo magkaka utang ka kaagad sa kanila Ng 2k kuno daw,and they will keep contacting you or harassing you using your contacts Kasi due date mo na daw sa loan mo.Tapos Sabi nila nag send daw sila halimbawa nalang yung sakin 2k sa gcash ko pero kahit anong halungkat ko sa gcash transactions kodon is Wala talaga,I don't recieved any transactions from them worth of 2k.Oh my God,dirin nila ako tinawagan para ma aware man lang ko or enemail na ano like today makakatanggap kana Ng loan mo and be ready,walang ganun sa apps nato ,kaya be careful at wag nyung subukang mag download ,mag log in o magsubmitt Ng information nyo.

Nori Marcos

This is the worst OLA ever. I already paid my schedule payment then upon checking may second repayment schedule pa same amount ng 1st repayment schedule ko. nakakairita dahil walang nasagot sa email and sa customer services nila

Nerieza Baid

Gravh yung umasa ka sa knila dahil emergency nagipit ka at naniwala ka nmn sa advertise nila sa yt, etc na pedi 180 dys babayaran tapos mababa daw ung interest at ayun na nga nag try ako mg loan ng 5k tapos ung natanggap ko lng 3K halos 2k ung chrge nila na service fee tapos ang babayaran ko 2gvs 2780 bali pumapatak 5560 lahat ng babayaran ko sa loob lng ng 14dys, tapos di nmn nila sinabi muna or approval sa akin na kya ko ba yung set up na gnyan diretso lang nila pinasok sa gcash ko di mn lng nila tinanong kung tutuloy ba ako sa loan, iwan ko pinag iisipan ko pa kung babayaran ko tas ibabalik ko nlng sana ndi na daw pedi at magchrge daw ako 1k


Naku were planning to barrow dahil needs nga asap..Ganda ng mga nkalagay saarules na 3mons to 120days ang pagbbyad pero lumalabas pala n a7days lng...HahaaaWag ng ituloy


Unang una ang system nila ay d nagwowork dahil kahit na bayad nako at nag full payment lumulitaw pa rin sa app na may utang pa ko. wag na wag na wag kayo manghihiram sa app na to at sila ay mga professional ----!

Glorie Jane Yu

Nakakainis tung mocamoca app Nato I never feel humiliated before but what they did to me is I feel I was harrassed. Babayaran naman ung utang e. Kaso nagipit nga lang. What they did was tinawagan nila mga kamag anak ko sa Cebu. Ni hindi ko nga nilagay ung pangalan nila as my reference eh .Grabeee sila sobraaa laki pa nang interest. Grabeeee papaimbestigahan ko sila . Not anymore.

Karil Lopez

This is app is not good. I delete my account because I know I don't have loan to repay but sadly last night they always called my relatives to tells that I have loan to pay worst it's more than 5k how come I pay that if my apps is clean and no to repay.


Nagbayad na ako sa mocamoca kahit di pa due date kc nagtext sila na due date kahit di pa nman so para di na maabala nagbauad ako through gcash para matapos na ako,kaso nagulat ako di nagreflect sa ccount ko na bayad na,so i try to contact sa customer service nila kaya inap date nila,ang siste 2 transactions lang dapat tapos na ako,nagulat ako nagkaroon pa ako ng 3rd transaction,so hindi pa pala ako tapos? taw ngayon kinukulit ako tawag sila ng tawag kahit hindi ko referrence tinawagan nila,kinausap ko sila hiningian ako resibo, binigay ko lang yung rrferrence # na nasa gcash ko,hindi pa daw yun sapat na proof,sabi kulang pa daw ako sa pang 2md transaction ko,ano?? sa customer service ma recieved na 2nd trans ko tapos may 3rd trans pa..Ano ba talaga.. ang gulo ng apps na to,pabago bago pa ng due date,lalo nalulubog sa utang ang tao sa ginagawa nila


Na shock aq...nong nakita q sa fb sabi monthly i stallment daw tapus maliit ang interest..piro nong mag apply aq .lol! Ngayun lang aq nag apply..july 03 2023, tapus ang 1st loan q 2,700 tapus ang darating sa account q 1, 900 service charge nila iba pa yung interest nila tapus ang due date july 7 2023,---- naman 4days lang due date na tapus laki ng service charge pati interest nasaan ang installment nito MOCAMOCA FOR SHORT NAKAKALOKA KAYU!


Wag na wag i download itong apps na to, nag loan ako 2000 June 16 ,ang na received ko lang 1300, ang nakalagay na due date June 27. Ngayon inopen ko ulit yung apps para i check ang due date ko nnman is June 23, wow bakit ang bilis..Tapos wala pa silang installments. 7dayss lang pero ang laki ng binawas😡


The computation is wrong, you loan 5000, you only get 3000. They duducted 2000, and you will pay the amount loan + 2000 (5000+2000=7000), while you only borrow 3000, you will pay 150% overall. And its totally ---- in a form of interest and processing fee in just a short period of time. 90days period became only 2 weeks. When you got delayed paying they will threaten you and also your family.


This is app is -------- competing the Juanhand yes sobrang TaaS nang interest at rude customer service din.Please let us know to delete and banned this app. Mas mabuti pa sa bangko Ang loan decent and updated ito pucho pucho The office is located in Taguig no worries lawyers and laws will come .you will be justify moca moca.worst to worst. 0.% score for you.

Maybelle Wong

---- to grabe laki interest report to nbi at police

Ethanen Gumawa

Moca Moca is threatening me even though I have already paid it. They aren't reliable.


Nag sign up lang Ako pero Bakit kayo nag send Ng pera sa Gcash ko without my permission 👿2000 daw tapos 1300 namn..worst 2010 daw babayaran ko.. in the first place hindi Ako nagloan pero. Bakit kayo nag send Ng pera tapos magpabayad kayo Ng interest na malaki??????????????karmahin sana kayo


Don't download this app, madelay ka lahat ng contact mo tatawagan. At very rude pa.


Very very worst ever nagbayad na ako naniningil pa din sa akin sila kala ko makakatulong eh I baba ka pa la sana makarma sila sa ginawa ni lang pangloloko sa. Managing interest aka ko kasi. Nong apply ako 120 days saka ko na lang nalaman na 7 days lang pala na tapos na sila nag process nakakairita yong mga contacts di naman ako naglagay nakokontak nila

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This article was updated on 24 july 2024