# Mocasa: Pay Later & Quick Loan — High Credit. Low Rate. Legit.

> Virtual Mastercard and quick cash loans for online and in-store payments. (iPhone/iPad app by Philippines Cashtrout Lending Corporation.)

- Source: https://appshunter.io/ios/app/mocasa-pay-later-and-quick-loan/id1610456371 (this page in markdown: same URL + `.md`)
- Developer: [Philippines Cashtrout Lending Corporation](https://appshunter.io/developer/1610456373)
- Category: Finance, Shopping
- Price: Free
- Rating: 4.40/5 from 106 App Store ratings · 14 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 171 MB
- Languages: American English
- Released: 2023-02-13
- Data updated: 2026-09-01
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/mocasa-pay-later-and-quick-loan/id1610456371/reviews.md

## What is Mocasa?

Get your first Cash Loan or Virtual Mastercard on Mocasa – Hassle-free! Instant approval with transparent pricing.

Mocasa Quick Loan Highlights:
· Loan amount: ₱1,000.00 - ₱50,000.00
· Loan term: 91 days - 365 days
· Maximum APR: 36%
· Convenience Fee: up to ₱20 per transaction (varies by payment channel)
· Applicable Tax (DST & GRT): N/A

REPRESENTATIVE EXAMPLE OF THE TOTAL COST OF A LOAN:
91-day loan with principal amount of ₱10,000
· Interest (2.867% per month × 3): ₱860
· Service Fee (0.4% of principal): ₱40
· Total cost retained by Mocasa: ₱900
· Total Repayment: ₱10,900
· Monthly Repayment: ₱10,900 ÷ 3 = ₱3,633.33
· Annual Percentage Rate (APR): 36.00%
Note: Convenience fees charged by third-party payment gateway providers are disclosed separately and are not included in the APR.

Mocasa Virtual Mastercard Features:
· Interest-Free Period: Enjoy up to 50 days of interest-free credit, just like a standard credit card.
· Shop Anywhere: Add it as a payment method to any app or website that accepts Mastercard.
· Scan to pay: Pay via QRPh code at stores nationwide.
· Bill Payments: Pay utility bills or buy load/data directly within the Mocasa app.

PRIVACY & PERMISSIONS
Your privacy is our priority. We will never disclose your personal information to anyone without your permission or sell your data to third parties.
Before you avail of any loan, we will provide a Disclosure Statement in compliance with the Truth in Lending Act to ensure full transparency—no surprises.

WHO CAN APPLY?
· 21+ years old
· Filipino citizen
· Have 1 government-issued ID
· Have a stable income

HOW TO APPLY?
· Register: Create an account with an active mobile number.
· Apply: Fill out the simple Online Loan Forms.
· Review: Get evaluated in as fast as 5 minutes.
· Cash Out: Money will be disbursed to your preferred account immediately upon approval.

WHY CHOOSE MOCASA?
· High Limit: Get approved for up to ₱50,000.
· Easy Access: 100% online process with no collateral required.
· Transparent Pricing: All fees and costs are clearly disclosed before you confirm your loan.
· Fast Disbursement: Transfer cash instantly to your GCash, Maya, Lazada wallet, or bank account.

WHO WE ARE
· Corporate Name: Philippines Cashtrout Lending Corporation
· Business Name: Mocasa
· PSEC Registration Number: CS201910407
· Certificate of Authority (CA): 3015
· Office Address: 4/F Kings Court 1 Building, 2129 Chino Roces Ave., Pio del Pilar, Makati City, Metro Manila, Philippines

CONTACT US
We value your feedback! If you have any questions or suggestions, please contact us:
· Email: support.user@mocasa.com
· Office Hours: 08:00 AM - 20:00 PM, Monday to Sunday
· Website: www.mocasa.com

## Key features

- Virtual Mastercard
- Quick cash loans
- Flexible loan terms
- Interest-free billing cycle
- In-store payments
- Utility bill payments
- Buy load and data

## Recent user reviews (10 of 14)

All indexed reviews: https://appshunter.io/ios/app/mocasa-pay-later-and-quick-loan/id1610456371/reviews.md

### 5/5 — Fast Approval

*2026-07-28*

I was caught off guard with an unexpected home repair bill and needed extra cash quickly. To my total surprise, I got APPROVED in less than 30 minutes.

Highly recommend if you need funds urgently and hate waiting! Will definitely use again if the need arises.

**Developer response:** 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!

### 5/5 — Honest Review

*2026-07-22*

Very convenient and fast and reliable

**Developer response:** Hello! We’re thrilled you’re satisfied with our app—your review means a lot. We’ll keep optimizing, and if you need assistance, contact support.user@mocasa.com anytime. Thanks!

### 5/5 — Fast to borrow

*2026-06-26*

Fast approval and convenient

**Developer response:** Hello! Thank you for choosing our app and sharing your good experience. We’ll keep improving to live up to your expectations. Thanks again!

### 4/5 — Good

*2025-05-26*

Good

**Developer response:** Thanks for your wonderful feedback! We’re glad our service worked for you and will keep delivering user-friendly experiences. Have doubts? Reach out to support.user@mocasa.com. Thank you!

### 5/5 — Nice

*2025-04-29*

Great

**Developer response:** Hello! We’re thrilled to hear you’re satisfied with our app’s convenience. We’ll keep up the good work—if you have any needs, just let us know. Thanks!

### 1/5 — Scamer

*2025-03-16*

Scamer!

### 5/5 — mocasa

*2025-03-14*

nice app have good and trusted application, fast to increase your loan credit and fast receive,hope to continue your work to help other people who need an capital for their business 😊😊

### 1/5 — Risky App

*2025-03-04*

Getting all your sensitive information just to be instantly rejected

### 1/5 — NOT USER FRIENDLY

*2025-02-22*

Face verification is too hassle.

### 5/5 — Nice app!

*2024-12-22*

Awesome!

## Frequently asked questions about Mocasa

### What is Mocasa?

Mocasa is a financial app that provides users with a virtual Mastercard and the ability to obtain quick cash loans. It aims to offer a smarter financial choice by enabling convenient online and in-store payments, as well as flexible loan options.

### What are the loan requirements for Mocasa?

To apply for a loan with Mocasa, you must be at least 21 years old, a Filipino citizen, possess one government-issued ID, and have a stable income. The app guides you through a simple application process.

### How does the Mocasa virtual Mastercard work?

The Mocasa virtual Mastercard functions as a digital credit card, allowing you to shop online and add it as a payment option for various services. It offers up to a 50-day interest-free billing cycle, similar to a traditional credit card.

### What are the loan amounts and terms available?

Mocasa offers cash loans ranging from ₱3,000.00 to ₱50,000.00 with loan terms between 91 days and 180 days. The maximum Annual Percentage Rate (APR) is 30%, with a flat service fee of ₱20 per transaction.

### Can I use Mocasa for utility bills and other payments?

Yes, Mocasa allows you to pay utility bills such as electricity, internet, and cable, as well as buy phone load and data. You can also use your Mocasa credit at over 700,000 merchants nationwide that support QRPh.

## Version history (last 5 releases)

### 1.8.5 — 2026-08-04

Some Technical Optimizations

### 1.8.4 — 2026-07-16

Some Technical Optimizations

### 1.8.3 — 2026-07-07

Optimized the User Flow Experience.

### 1.8.2 — 2026-06-26

Some Technical Optimizations

### 1.8.1 — 2026-05-21

Some Technical Optimizations

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*