Philippines app comparison
Fido PH vs Mocasa: Cost Disclosures, Terms and Risks
Fido PH
Fidoph Philippines-Cash Loan
Fidoph Philippines-Cash LoanFidoph Lending Corporation
Fidoph Lending Corporation
Mocasa
Pay Later & Quick Loan
Pay Later & Quick LoanPhilippines Cashtrout Lending Corporation
Philippines Cashtrout Lending CorporationKey Differences
Published Fee Scope
The published fee types and their stated scope differ.
Fido PH publishes a 0.233% service fee in its product disclosures. Mocasa publishes a 16.5% service fee only in an official representative example and a separate convenience fee of up to PHP 20 per transaction. Do not compare the percentages as universal charges; identify which fees appear in the final offer and payment channel.
Published Cost & Terms
Fido PH
Source:
Google Play- Maximum APR: 144% For some loans above ₱10,000, the APR may be higher.
Mocasa
Sources:
Official WebsiteGoogle Play- Daily Interest Rate: As low as 0.2% per day offer-specific floor stated on the Quick Loan page
- Maximum APR: 144% For Mocasa Quick Loan.
Compare Your Own Offers
Your comparison
Extra Cost
Extra Cost Rate
Daily Cost
Google Play Review Insights
1. Repayment Contact and Reminders
Fido PH
What reviewers discussed
Sampled reviews described collection calls or messages after an overdue or late payment.
Representative User Example
changed from 5 star to 1 star. 1 day late of payment, too much threatening messages. high interests but pay after every 15 days. once it's fully paid done with fidoph. if needed go ahead borrow but lifetime as a borrower a big no no
Mocasa
What reviewers discussed
Sampled reviews described collection calls or messages arriving before the reviewer’s stated repayment deadline.
Representative User Example
The interest rates are exorbitant and there are hidden charges. Although I borrowed ₱2,200, I only received ₱2,048. The customer service is also very annoying, calling every day to remind me about the due date. This experience is nothing like Billease.…
What this may mean
Repayment-contact problems can make it harder to confirm what is due or resolve a disputed balance. Save messages and payment records, and verify the balance and due date before paying.