Mocasa: Pay Later & Quick Loan

4.4
29.3K reviews
1M+
Downloads
Content rating
Everyone
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About this app

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/
Updated on
Oct 28, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Device or other IDs
This app may collect these data types
Location, Personal info and 7 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.4
29.2K reviews
Allan
November 2, 2025
Mocasa really helped me during a difficult time. The whole process—from application to approval—was quick and hassle-free. The interest rates are reasonable, and repayment is flexible. I appreciate how professional and transparent they are. Highly recommended
10 people found this review helpful
Mocasa
November 3, 2025
Hi, Thanks for your feedback. We are continuously working on adding more features to our app to make your experience better.
jay mori
October 27, 2025
⭐ “Mocasa is easy to use and very helpful! The approval was fast and perfect for quick emergencies.” 2. ⭐ “I really love Mocasa! The process is smooth, fast approval, and great for daily financial needs.” 3. ⭐ “Highly recommended app! Very convenient, quick approval, and trustworthy for urgent expenses.” 4. ⭐ “Mocasa app made my life easier! Fast service, smooth process, and reliable for all my payments.” 5. ⭐ “Super satisfied with Mocasa! Easy to use, quick approval, and very helpful.
7 people found this review helpful
Mocasa
October 28, 2025
Hello! We appreciate you choosing our app and sharing your good experience. We’ll keep improving, and if you need help, just send an email to support.user@mocasa.com. Thanks again!
Rich VOTuRe
September 3, 2025
Not well-regulated!!! So, I was about to try this app and fill in some details until I reached submitting ID, but suddenly it says that someone has used my PRC license already and take note with a different name and phone number. How did they accept those people without even cross checking the ID, face, and username. I don't know how that someone got my PRC details. You should have delete it. It's identity theft!!!
42 people found this review helpful
Mocasa
September 12, 2025
We sincerely apologize for the frustration from this issue—identity security is our top priority. Our app has strict identity verification, so this likely comes from a misunderstanding. Please contact support.user@mocasa.com with your user ID; we’ll assist in resolving promptly.

What’s new

Optimized the UI Display of the Home Page and My Loan Page

App support

Phone number
+639190751072
About the developer
PHILIPPINES CASHTROUT LENDING CORPORATION
support.user@mocasa.com
4th Floor Metroview SVN Building Quirino Avenue, Malate Manila 1004 Metro Manila Philippines
+63 917 628 0481

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