Mocasa: Pay Later & Quick Loan 앱 분석 (10월 6일)

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