MocaMoca - Safe and fast loan

Copperstone Lending Inc.

About this app

MocaMoca - Instant Cash Loans for Filipinos
MocaMoca is designed to provide express cash credit services to Filipinos in urgent need. Whether you need to pay for your children's tuition fees, purchase computers or motorcycles, or cover medical bills, MocaMoca is available for you 24/7. We've made this process incredibly convenient, allowing you to apply from the comfort of your home. We ensure that all your transactions with us are safe and secure, strictly adhering to client profile confidentiality.
🔔🔔Why Choose Us?
✔️ No Hidden Fees - get exactly what you apply for
✔️ 3-5 Minute Application - no collateral or income proof required
✔️ Fair For All - no profession discrimination
✔️ Low rates + lower fees for repeat loans
✔️ Flexible Repayment Options
✔️ SEC-licensed & bank-level security

🔔🔔Requirements:
-Filipino citizen with a valid ID card
-Above 18 years old
-Have a stable job or source of income

🔔🔔Product introduction
✅Loan Amount: ₱2,000 ~ ₱50,000
✅Loan Term:
-Min 91 days (shortest, including renewal)
-Max 180 days (longest, including renewal)
✅Fees and Charges:
-Annual Interest Rate (APR): Maximum interest rate is 20%
-Service Fee: 5%-10% (The service fee will be charged upon repayment)
-Other fees: There will be no other fees. Absolutely no hidden charges.
⚠️Note: Please adhere to the repayment schedule and pay on time to avoid additional charges in your account. Maintaining a good credit history can help you qualify for higher loan amounts in the future.

🔔🔔Loan Case Sample
If you apply for a loan with a principal amount of ₱5,000, and the loan period is 180 days (6 months), the annual Interest rate (APR) is 10%, the service fee is 10%, and other fees is 0, then you will need to pay:
Amount Received: ₱5,000
Service fee: ₱5,000*10% = ₱500
Total interest fees: ₱5,000*10%*180/365 = ₱246
Total Amount Due: Loan amount + Service fee + Interest Fee = ₱5,000 + ₱500 + ₱246 = ₱5,746
Monthly Repayment: ₱5,746/6 = ₱957

🔔🔔Repayment Methods
-E-Wallets: GCash/Maya/ShopeePay/etc.
-Bank Transfer: BDO/MetroBank/BPI/PNB/LandBank/etc.
-Convenience Stores: MLhuillier/RD Pawnshop/7-11/RD Pawnshop, Cebuana/etc.
-Others: QR code/online transfer/etc.

🔔🔔Company Information
Company name: Copperstone Lending Inc.
SEC Registration No. 2021050012959-04
Registered Business Name: MocaMoca
CERTIFICATE OF AUTHORITY NO.3454
Note: Please study the terms and conditions of the Disclosure Statement before proceeding with the loan
Address:
The Penthouse, Marajo Tower, 26th st. Cor. 4th Ave. Bonifacio Global City 312 Metro Manila Fort Bonifacio, Taguig City, Fourth District, National Capital Region (NCR), 1634

❤️❤️Contact Us
✉️Email: [e-mail]
📞Hotline: [phone]
📱Online service: You can reach the online customer service via MocaMoca App.
💻Website: mocamocatech.com
⏰Customer service working hours: 8AM — 10PM

Ratings and reviews

The interest rate is criminally high that it's illegal and the repayment date is too short like it only gives you a few days before you should pay. After downloading the app, I kept receiving spam messages from other loaning apps so I believe that the app sold my information to other lenders. After I'm done paying off my loans, I'll never use or even recommend the app. They offered me 3k but I only used 2k but the repayment is 3,100 plus. This is too high.

I will rate it zero. Lending app should be helpful but it will make you more indebt. 7% penalty per day if you missed is too high. And even you say your reason, they will still spam call you. Repayment period is weekly. You borowed 1,500 and you'll pay 700+ weekly (for 3-4 weeks only) Save yourself. Look for other more reliable lending app like only once a month repayment.

If I can give 0 stars on this app, that would be my review. Imagine I borrowed 800 pesos and the payment is weekly, 310 pesos per week for 4 payments. It doesn't help you instead it will lead you to higher debt. So meaning the total of my weekly payment is 1240 and I try to make a delay of one day for my first payment and guess what? Another 7 percent was added. The interest is more than 50 percent of your credit and a lot of calls that you receive plus they will leak your info to other apps.😩