Philippines loan app review

MocaMoca Loan App Review

Edited by Maria Santos Reviewed by Tristan Kim Last checked: Aug 30, 2026 Our Methodology

What We Could Verify

Loan amount: PHP 2,000 to PHP 50,000
Repayment methods: E-wallets (including GCash, Maya, and ShopeePay); bank transfers (including BDO, Metrobank, BPI, PNB, and LandBank); convenience stores; and QR or online transfers.
Published maximum APR: 20%
Service fee: 5% to 10%

Important conditions

Charged upon repayment.

Borrower Attention

Provider disclosure and authoritative evidence do not resolve to the same current status

SourceWhat We Found

Provider Disclosure

The provider continues to disclose regulatory identity or licensing information.

Philippine SEC Records

The regulator's records show that Copperstone Lending Inc.'s lending authority was cancelled on 2024-04-18. No later authoritative reinstatement record was found in the sources checked as of 2026-08-30.

What this means: The dated records do not establish one clear current status.

Check Your Offer Cost

Final Offer

Amount you receiveAmount you repayDays until due

Your results

Extra Cost

Extra Cost Rate

Daily Cost

Review Insights from Google Play

Recent Topics

Collection and repayment contact

What reviewers discussedSeveral reviews described collection calls or messages arriving before the reviewer’s stated repayment deadline.

Representative User Example

"I wouldn't recommend this app. The interest is way too high, and even if you always pay on time, they keep pestering you. They start calling 2 to 3 days before the due date, which is super disruptive. They can't even wait until the actual due date, even…

Google Play review | 2026-08-09

What this may meanKeep the stated due date, current balance, and contact history so repayment contact can be checked against the account record.

FAQ

Anong ID ang kailangan para sa MocaMoca?

Kasama sa disclosed requirements ang valid government ID. May iba pang application checks at individual pa rin ang approval.

Saan puwedeng magbayad ng MocaMoca loan?

Kasama sa repayment methods na nasa public information ang E-wallets (including GCash, Maya, and ShopeePay); bank transfer (including BDO, Metrobank, BPI, PNB, and LandBank); convenience stores; and QR or online transfer. I-confirm sa app ang available channel at payment reference bago magbayad.

What eligibility requirements does MocaMoca disclose?

The cited provider sources require a valid government ID. Approval and any additional checks remain individual.